Yeah, I know, but "credit" translates differently because the models bill at different rates, which gets turned into "multipliers" (or at least, it did).

Have they converted entirely to transparent API rates + base allocation now? One of the reasons I left was that if I was going to be billed at API rates anyway, I'd just rather use the APIs. The value proposition still sucks for individuals now, when the other major providers are bundling at below-API rates.

Yes, they have transparent api rates. And for Anthropic and OpenAI their rates are exactly like API pricing.