docs(billing): document Free plan and team-member add-on credit purchases

.agents/references/terminology.md

@@ -248,6 +248,8 @@ For the summary of the most critical terms (core features, Oz terms, terms to av
 ## Billing and credits
 
 - **Add-on Credits** — capitalized as a product feature name
+- **Auto-reload** — the setting that automatically purchases another add-on credit pack when a user's balance drops below 100 credits. Hyphenated; capitalize the first letter only at the start of a sentence, bullet, or bolded list term.
+- **team-wide spend cap** — the admin-configured monthly ceiling on add-on credit spending across a whole team. Use instead of "budget" or "credit limit" when describing the cap. The per-account wording "monthly spend limit" refers to the same setting in single-user contexts.
 - **compute credits** — lowercase common noun; capitalize the first letter only at the start of a sentence or bullet. The compute bucket, consumed when an agent run uses Warp-hosted compute. Use alongside AI credits and platform credits when describing credit types.
 - **cloud agent credits** — lowercase common noun; capitalize the first letter only at the start of a sentence or bullet. Credits consumed by cloud agents, in contrast with local agent credits. Refers to the same compute bucket as compute credits; choose the term that fits the framing.
 - **platform credits** — lowercase common noun; capitalize the first letter only at the start of a sentence or bullet. The platform-infrastructure bucket, consumed for every cloud agent run plus local runs with customer-supplied inference.

src/content/docs/support-and-community/plans-and-billing/add-on-credits.mdx

@@ -2,12 +2,12 @@
 title: Add-on credits
 description: >-
   Purchase add-on credits to keep using premium AI models after reaching your
-  monthly credit limit.
+  monthly credit limit, or to top up on the Free plan without subscribing.
 ---
 
-Add-on credits let you continue using premium AI models even after you've reached your monthly credit limit — at lower rates and with more control over spending.
+Add-on credits let you continue using premium AI models even after you've reached your monthly credit limit — at lower rates and with more control over spending. You can also buy them on the Free plan without subscribing.
 
-You can manage and purchase add-on credits directly in **Settings** > **Billing and usage**.
+In the Warp app, you can manage and purchase add-on credits directly in **Settings** > **Billing and usage**.
 
 ![Add-on credits management surface under **Settings** > **Billing and usage**.](../../../../assets/support-and-community/reload-credits.png)
 
@@ -17,10 +17,20 @@ Add-on credits extend your AI usage beyond the included monthly quota in your pl
 
 If you’ve enabled **auto-reload**, new credits will be added automatically and billed based on your selected configuration of monthly spending limit and selected purchase amount.
 
-Add-on credits are available for Build, Max, Business, and Enterprise plans (with custom pricing for Enterprise). On self-serve plans (Build, Max, and Business), add-on credits are scoped to each individual user; Enterprise uses a team-pooled model. These credits **roll over across billing cycles** and remain valid for **12 months from the purchase date**.
+Add-on credits are available on every self-serve plan — Free, Build, Max, and Business — plus Enterprise. The Free plan buys the same packs at a higher rate than paid plans; see [Warp pricing](https://www.warp.dev/pricing) for current rates. On self-serve plans, add-on credits are scoped to each individual user; Enterprise uses a team-pooled model. These credits **roll over across billing cycles** and remain valid for **12 months from the purchase date**.
 
 Add-on credits draw from the same pool as [platform credits](/support-and-community/plans-and-billing/platform-credits/) and compute credits, so a single balance covers all three credit types.
 
+### Who can purchase add-on credits
+
+Any active member of a team can purchase add-on credits for their own usage. You don't need to be a team admin, and you don't need a paid subscription — Free plan users can buy packs and spend them on any model. Credits you buy are scoped to you, so they only draw down for your own usage.
+
+Team admins keep the team-level controls:
+
+* **Team-wide monthly spend cap** - Caps what the whole team can spend on add-on credits per calendar month, across all members.
+* **Auto-reload** - While an admin has auto-reload on, individual members can't purchase add-on credits manually.
+* **The team's payment method** - Every purchase charges the payment method saved for the team, and only admins can change or remove it. See [Which card is charged when a team member buys add-on credits?](/support-and-community/plans-and-billing/pricing-faqs/#which-card-is-charged-when-a-team-member-buys-add-on-credits).
+
 ### Purchasing add-on credits
 
 You have two options for purchasing more credits:
@@ -73,7 +83,7 @@ You can track your remaining credits and spending in the credits transparency fo
 
 #### Teams using add-on credits
 
-On Build, Max, and Business self-serve plans, add-on credits are scoped to individual users. Each team member's add-on credits draw down only for their own usage.
+On self-serve plans (Free, Build, Max, and Business), add-on credits are scoped to individual users. Each team member's add-on credits draw down only for their own usage.
 
 Team admins manage add-on credit settings for the team in **Settings** > **Billing and usage**:
 
@@ -85,12 +95,12 @@ For how cloud agent runs that aren't initiated by a specific team member (schedu
 
 ### Plan changes and cancellations
 
-Any purchased add-on credits remain in your account and can continue to be used for up to 12 months after purchase, as long as you have an active subscription.
+Any purchased add-on credits remain in your account and can continue to be used for up to 12 months after purchase.
 
-If you move to the Free plan, your remaining add-on credits aren't removed. They keep their original 12-month expiration from the purchase date, but you can't use them. When you re-subscribe, on the same team, you regain access to any unused, non-expired credits. You also can't buy additional add-on credits until you're subscribed again.
+If you move to the Free plan, your remaining add-on credits aren't removed and they keep their original 12-month expiration from the purchase date. You can keep spending them on the Free plan and buy more, though new purchases use the Free plan rate until you re-subscribe.
 
 :::caution
-Add-on credits are tied to your team. Leaving the team, being removed by an admin, or having the team deleted revokes your access to any credits tied to that team. Premium models require an active paid plan.
+Add-on credits are tied to your team. Leaving the team, being removed by an admin, or having the team deleted revokes your access to any credits tied to that team.
 :::
 
 #### When team membership changes
@@ -102,5 +112,5 @@ Add-on credits are tied to the team they were purchased under. The flows below d
 * **An admin deletes the team** - Any remaining add-on credits must be used or removed before a team can be deleted. Contact [support@warp.dev](mailto:support@warp.dev) if you need help with this.
 
 :::note
-All unused add-on credits remain valid for 12 months from purchase. Using them requires an active paid subscription on the same team.
+All unused add-on credits remain valid for 12 months from purchase, and they stay tied to the team they were purchased under.
 :::

src/content/docs/support-and-community/plans-and-billing/credits.mdx

@@ -43,7 +43,7 @@ You can view your total credit usage, along with other billing details, in **Set
 
 * **Seat-level allocation**: On team plans, credit limits apply per seat — each team member has their own allowance. Individual users (not on a team) also have their own credit allocation.
 * **Cloud agents and integrations**: Individual users can run cloud agents via the CLI and API, drawing from their Warp credits. Slack and Linear integrations require team membership.
-* **Credit limits by plan**: The Free plan doesn't include bundled AI usage for the Warp Agent. To use the Warp Agent, [upgrade to a paid plan](https://www.warp.dev/pricing) or bring your own inference with [Bring Your Own API Key (BYOK)](/agents/inference/bring-your-own-api-key/), a [custom inference endpoint](/agents/inference/custom-inference-endpoint/), or a [SuperGrok or X Premium subscription](/agents/inference/grok-subscription/). On paid plans, once you reach your monthly credit limit you can continue using AI with usage-based billing via [add-on credits](/support-and-community/plans-and-billing/add-on-credits/).
+* **Credit limits by plan**: The Free plan doesn't include bundled AI usage for the Warp Agent. To use the Warp Agent, [upgrade to a paid plan](https://www.warp.dev/pricing), buy [add-on credits](/support-and-community/plans-and-billing/add-on-credits/) without subscribing, or bring your own inference with [Bring Your Own API Key (BYOK)](/agents/inference/bring-your-own-api-key/), a [custom inference endpoint](/agents/inference/custom-inference-endpoint/), or a [SuperGrok or X Premium subscription](/agents/inference/grok-subscription/). On paid plans, once you reach your monthly credit limit you can continue using AI with usage-based billing via [add-on credits](/support-and-community/plans-and-billing/add-on-credits/).
 
 #### **Other features that use credits**
 

src/content/docs/support-and-community/plans-and-billing/plans-pricing-refunds.mdx

@@ -10,7 +10,7 @@ sidebar:
 
 Warp offers flexible, pay-as-you-go plans designed for individual developers, teams, and enterprises.
 
-Paid plans include a monthly allowance of credits that power features such as code generation, debugging, and multi-agent workflows. The Free plan doesn't include bundled AI usage for the Warp Agent. To use the Warp Agent, [upgrade to a paid plan](https://www.warp.dev/pricing) or bring your own inference with [Bring Your Own API Key (BYOK)](/agents/inference/bring-your-own-api-key/), a [custom inference endpoint](/agents/inference/custom-inference-endpoint/), or a [SuperGrok or X Premium subscription](/agents/inference/grok-subscription/).
+Paid plans include a monthly allowance of credits that power features such as code generation, debugging, and multi-agent workflows. The Free plan doesn't include bundled AI usage for the Warp Agent. To use the Warp Agent, [upgrade to a paid plan](https://www.warp.dev/pricing), buy [add-on credits](/support-and-community/plans-and-billing/add-on-credits/) without subscribing, or bring your own inference with [Bring Your Own API Key (BYOK)](/agents/inference/bring-your-own-api-key/), a [custom inference endpoint](/agents/inference/custom-inference-endpoint/), or a [SuperGrok or X Premium subscription](/agents/inference/grok-subscription/).
 
 :::note
 See [Warp pricing](https://www.warp.dev/pricing) for the latest plans and what’s included in each offering.
@@ -49,7 +49,8 @@ After 15 days, we will refund you for the remaining full months on your subscrip
 
 #### Add-on credits refund policy
 
-* If you purchased [add-on credits](/support-and-community/plans-and-billing/add-on-credits/) by mistake, you can receive a refund **as long as none of the credits have been used**. Warp cannot refund add-on credits if there has been any usage. Add-on credits remain available for up to **12 months** from the date of purchase. If you move to the Free plan, your remaining add-on credits aren't removed and keep the same expiration. You just can't use them until you re-subscribe on the same team.
+* If you purchased [add-on credits](/support-and-community/plans-and-billing/add-on-credits/) by mistake, you can receive a refund **as long as none of the credits have been used**. Warp cannot refund add-on credits if there has been any usage. Add-on credits remain available for up to **12 months** from the date of purchase, including if you move to the Free plan.
+* Add-on credit purchases charge the payment method saved for your team, and any active team member can make one. If a purchase was billed to a card you didn't expect, see [Which card is charged when a team member buys add-on credits?](/support-and-community/plans-and-billing/pricing-faqs/#which-card-is-charged-when-a-team-member-buys-add-on-credits) before requesting a refund.
 
 :::caution
 Warp does not offer a formal guaranteed uptime Service Level Agreement (SLA). Live incidents can be monitored on our [**Status Page**](https://status.warp.dev/), and open issues are tracked on our [**GitHub Issues**](https://github.com/warpdotdev/Warp/issues).