Credits & Plans
Audience: All users · Last updated: May 9, 2026
How Credits Work
Every feature on BIA uses credits. Credits come from your monthly balance, which resets at the start of each billing period.
- Credits do not roll over month to month
- Your balance resets automatically — you don't need to do anything
- Credits are consumed when you generate content or send a message, not when you view existing output
Trial Plan Restrictions
Both Sales and Marketing Trial plans include 40 credits and require no credit card. Not all features are available on Trial.
Sales Trial restrictions
- Outbound hub is present but empty — Messaging Playbook, Cold Email Sequence, and Lead Magnets are locked
- Ask hub is limited to Ask the Expert only — Ask the Buyer and Ask the Committee are locked
- Coach hub is locked on Trial — Coaching Reviews require Sales Starter or Pro
- All five Simulate session types are available
- All Intel, Create, and Dashboard features are available
Marketing Trial restrictions
- Strategy hub shows GTM Assessment only — Messaging Playbook and Cold Email Sequence are locked
- Ask hub is empty — Ask the Buyer and Ask the Committee are locked
- Create hub has Slide Deck Builder, Infographic Builder, and Competitive Intel — Content Studio and Lead Magnets are locked
- Review hub (all 5 tools) is available
- Intel and Dashboard features are available
Upgrade to Starter or Pro to unlock full access.
Credit Cost by Feature
Sales Features
| Feature | Credits |
|---|---|
| Chat / practice session message | 1 |
| Cold Call, Discovery Call, Objection Drill, Demo Prep (per message) | 1 |
| Objection Prep List | 1 |
| Ask the Expert (per query) | 2 |
| Ask the Buyer (per query) | 2 |
| Ask the Committee (per query) | 2 |
| Buyer Intel doc | 10 |
| Buyer Intel doc (cached) | 0 — free |
| Compete (competitive analysis) | 10 per analysis |
| Messaging Playbook | 7–15 (per-section pricing) |
| Cold Email Sequence | 3 |
| Lead Magnet — Cheat Sheet | 3 |
| Lead Magnet — Playbook | 5 |
| Lead Magnet — Scorecard | 7 |
| Lead Magnet — Benchmark Report | 15 |
| Slide Deck Builder | 5 |
| Infographic Builder | 5 |
| Audio unlock (Persona Podcasts) | 10 |
| Coach — Coaching Review | 2 |
Marketing Features
| Feature | Credits |
|---|---|
| Buyer Intel doc | 10 |
| Buyer Intel doc (cached) | 0 — free |
| Competitive Intel | 10 per analysis |
| GTM Assessment | 10 |
| Messaging Playbook | 7–15 (per-section pricing) |
| Cold Email Sequence | 3 |
| Ask the Buyer (per query) | 2 |
| Ask the Committee (per query) | 2 |
| Lead Magnet — Cheat Sheet | 3 |
| Lead Magnet — Playbook | 5 |
| Lead Magnet — Scorecard | 7 |
| Lead Magnet — Benchmark Report | 15 |
| Slide Deck Builder | 5 |
| Infographic Builder | 5 |
| Audio unlock (Persona Podcasts) | 10 |
| Content Studio — Ad Copy / Social Post | 1 |
| Content Studio — Blog Post / Landing Page / One-Pager | 5–6 |
Content Refinement
Refining existing generated content (inline edits via the Refine panel) costs half the original generation credit cost.
Caching — Free Repeat Generations
Some content is cached. If a Buyer Intel doc has been generated for a persona + product combination recently, it serves from cache at 0 credits.
This applies to: Buyer Intel docs
When you receive cached content, the platform indicates it in the output.
Credit States
Your account has four credit states:
| State | What It Means |
|---|---|
| Active | Normal usage — all features available |
| Warning | Credits exhausted, first overage event — limited continued use |
| Overage | Credits exhausted, in overage buffer — usage continues up to 10% of monthly limit |
| Blocked | Overage buffer exceeded or 2+ overage events this year — features paused |
When blocked, no new content can be generated. Your existing generated content remains accessible. Enterprise accounts are never blocked.
Plan Comparison
Sales Plans
| Plan | Monthly Credits | Best For |
|---|---|---|
| Trial | 40 | Evaluating the platform |
| Sales Starter | 80 | Individual reps, light usage |
| Sales Pro | 160 | Individual reps, regular usage |
| Enterprise | Unlimited | Teams, heavy usage |
Marketing Plans
| Plan | Monthly Credits | Best For |
|---|---|---|
| Trial | 40 | Evaluating the platform |
| Marketing Starter | 150 | Small marketing teams |
| Marketing Pro | 250 | Active content production |
| Enterprise | Unlimited | High-volume teams |
First-Month Bonus
New paid subscribers receive a +50% credit bonus in their first billing month.
| Plan | Standard Credits | First Month |
|---|---|---|
| Sales Starter | 80 | 120 |
| Sales Pro | 160 | 240 |
| Marketing Starter | 150 | 225 |
| Marketing Pro | 250 | 375 |
Upgrading Your Plan
- Click your profile icon (top right)
- Go to Account Settings → Plan & Billing
- Select your new plan
- Complete payment
- Your new credit balance activates immediately
If you upgrade mid-cycle, your new credits are added to your current balance for the remainder of the billing period.
Admin Dashboard
Available to admin users only.
| Panel | What It Shows |
|---|---|
| User Overview | Active users, signup trends |
| Plan Breakdown | Users by plan tier |
| Credit Health | Credit consumption across the account |
| Feature Usage | Which features are used most |
| Top Personas | Most-used buyer personas |
| User Management | Add, remove, or adjust user access |
To access: Log in as an admin → click Admin in the main navigation.
Estimating Your Monthly Credit Needs
Use this as a rough guide:
Sales rep, light usage (1–2 sessions/day):
- 30 practice sessions × 10 messages = 300 chat credits
- 2 Buyer Intel docs = 20 credits
- 1 Competitive analysis = 10 credits
- ~330 credits/month → Sales Pro or above
Sales rep, regular usage:
- 50 sessions × 15 messages = 750 chat credits
- Consider Enterprise
Marketing team, content production:
- 4 slide decks = 20 credits
- 2 lead magnets = 20 credits
- 3 competitive intel = 30 credits
- 1 GTM assessment = 10 credits
- ~80 credits/month → Marketing Starter