Monica
Worth it if you want one subscription that reaches GPT, Claude and Gemini from wherever you already are; pointless if you live inside a single vendor's app and are happy there. The value is the sidebar and the model switching, not the intelligence, which is all rented.
Pros
- Genuinely wide model roster, including image and video models, under one credit pool
- Extension plus desktop plus iOS/Android means the same history follows you across devices
- Separate prepaid developer API at platform.monica.im if you want the same aggregation in code
Cons
- Prices are only visible after loading the pricing app, and the tier names have already shifted once (Unlimited became Max)
- Advanced credits reset monthly, so heavy image or video use burns a Pro plan fast
- You are a reseller's customer — outages, rate limits and model deprecations arrive second-hand
- monica.cn is a separate China-market build run by a different legal entity, which confuses support and privacy expectations