Paid $1,920 upfront for a year — usable for ~5 days, and no refund for the 11 unused months
I bought the annual "Ultra" plan (12 months prepaid, USD 1,920, charged in EUR) for professional development work. The plan is marketed around "20x usage limits" and "maximum value" — wording that strongly implies a full month of high-volume use.
The reality: under normal professional use, the entire monthly allowance was gone in about five days. My own usage dashboard shows cumulative usage climbing to ~$640 in those few days and then flat-lining for the rest of the cycle, because the included allowance was exhausted (with on-demand spending off, no further use was possible). Most of it was consumed simply by using the very frontier model the plan is sold to provide. After that I stopped using the product entirely — the following billing cycle shows 0% usage.
The core problem is transparency. The plan is sold with impressive-sounding "20x" headlines, but there is no clear, upfront statement of the actual usable limits in plain terms — you only discover how fast a "monthly" allowance really burns once you've already paid for a full year. For my workload, equivalent-priced subscriptions taken directly with the underlying providers last far longer for the same money.
When I realised the annual plan was not viable, I asked to cancel and refund the unused remaining period — I was happy to pay for the part I actually used. Cursor refused, relying on a "no refunds" clause: cancellation only stops future charges and takes effect at the end of the prepaid period, so you forfeit everything already paid. They also contested my bank dispute on the same basis.
Charging a full year upfront, delivering days of usable service, hiding the real limits behind a vague "20x" headline, and then refusing any refund for the unused portion is, in my view, an unfair way to treat customers. I cannot recommend committing to an annual Cursor plan. If you try it, pay monthly only.