Do I need a Stock Photo Subscription or Can I buy Individual Image Credits?

Should I Buy Image Credits or a Stock Agency Subscription?

There is no easy answer to this question. As a buyer, your particular needs are what will define which method suits you better. Essentially, it comes down to the level of usage and frequency at which you need royalty free stock photos for your business or creative projects, and equally important, your budget. Based on these parameters, individual image purchase may be perfect for some buyers, while for others a stock photo subscription makes perfect sense.

Stock Photo Subscription or Credit Package?

Most stock agencies have credit programs that allow you to buy credit packages to purchase images individually. While most stock photos are normally priced at one credit, most agencies establish a minimum number of credits to be purchased (this number falls between 5 and 12 credits depending on the agency).

Subscriptions allow you to get a larger volume of stock images, with monthly, weekly or daily limits, for a convenient flat fee. If you want to know more, here’s our primer definition of stock photo subscriptions.

The major difference between credit packs and subscriptions is price: Subscriptions offer a much greater value for buyers who need large amounts of stock images.

For instance,’s Club Easy gives you 200 XXL stock images for $99 (which works out to $0.49 per image), and their Club Plus subscription gives you 500 XXL images for $199 (only $0.39 per image). In comparison, an iStock image credit pack gives you 12 credits/12 images from their Essentials Collection for $115 ($8.33 per image).

Learn more about the Club Easy and the Club Plus subscriptions from

Do you want to know the best subscription offers available? Click here to read The Top 7 cheapest stock photo subscriptions.

Why Image Subscriptions are Cheaper

You may balk at the pricing of iStock’s credit packs, or at the price hike between their subscription offers and our Stock Photo Secrets’ subscriptions.

So we feel it is important to explain here the difference between our agency and iStock.

iStock by Getty Images is one of the oldest and largest stock photo agencies, with a massive collection of photos, illustrations, video and audio files, making it one of the most diverse stock image collections in the world. Their varied and high-quality royalty free images, included in their Essentials (can be found at other stock agencies) and Signature (exclusive and only found on iStock) collections demand a higher sticker price mainly because of their exclusivity and premium quality. You can read our iStockphoto Review (now iStock) here.

This agency also offers 4 free stock images every week to their members, click here to know where to find iStock’s free photos. To get iStock’s free photos sign up here now. And check their pricing for credits and subscriptions here.

iStock Promo Code 2023

Are you after a great iStock subscription? Check out our following offer:

Get a 15% Discount on all iStock Credit Packs and iStock Subscriptions

Don't waste time, and buy your choice of stock videos and stock images at iStock: 15% discount on everything: subscriptions and image packs.

So, how about Why do they have some of the cheapest stock photo subscriptions around? Well, their collection, with its 8,000,000 stock photos, vectors, and fonts, is much smaller than iStock’s, and it’s not exclusive.

Plus’s Club Easy and Club Plus subscriptions were specifically created to offer small-to-medium-sized businesses (like graphic designers, small agencies, and bloggers) access to high-quality stock images on a limited budget.

Click here to purchase the Club Easy or the Club Plus subscriptions here.

Buying an individual stock photo using credit packages

Most stock agencies sell photo credit subscriptions or credit packages for the purchase of stock photos. Stock photos can be purchased with one credit but the minimum number of credits that can be purchased is 5 to 12 credits depending on the agency.

For the personal buyer, credit packages are an inexpensive introduction to using stock agency photos. If you buy for your website, or a marketing campaign and only require a few images and photos, the credit package is an alternative to the stock agency subscription.

Buying Stock Photos Using Credit Packages

Most stock agencies sell photo credit subscriptions or credit packages for the purchase of stock photos. As said, stock photos’ individual prices start at 1 credit, but there is a minimum credit purchase of around 5 to 12 credits to start buying images. In the last years the stock agencies have changed their terms and made their credits have a much longer validity period.

For the beginner buyer, credit packages are an inexpensive way to start using stock agency photos.

If you are buying images to use in your website, a marketing campaign or other similar projects that would only require a few images, then credit packages are a good alternative. They allow you to get fast access to stock photos, and to buy only the ones you need.

Buying a Stock Agency Subscription Makes Stock Photos Cheap

Now, if you need to buy stock photos constantly and/or in large quantities, a stock photo subscription is the most convenient option. It is the cheapest way to buy photos and images and saves you both time and money giving you access to hundreds of images per month for a flat rate.

The average price of's Club Easy subscription is $0.49 per image and can go as low as $0.39 per image when you purchase their Club Plus subscription.

Other stock agencies’ subscription offers differ, and there are many options to choose from. Would you like to compare image prices for stock photos? Read here.

So what is better, to get a stock agency subscription or to buy image credits? Here’s a worksheet to help you determine it:

Subscriptions vs. Image Credits Worksheet

  • Are you new to stock photography buying? Get started with image credits, but buy a subscription if it works better for your business.
  • Do you only need a few images per year? Buy image credits (but always sign up for free memberships!)
  • Do you have a demand for hundreds of stock photos per year? Buy a stock photo subscription, you’ll save money!
  • Are you on a tight budget, and need lots of stock images? Buying a stock photo subscription will be cheaper for you in the long run.

Stock Agency Membership is Free So Sign Up Now!

Membership to every stock photo agency is free. Even if you are not sure yet which one is the best for you, sign up for as many agencies as you want, become a member, and when you are ready to buy your stock photos, get your image credits or subscription.

To sign up for iStock click here. And here for Club Easy and Club Plus subscriptions.

If you want to learn the differences between the main stock agencies, read: Stock Photo Agencies Compared: Shutterstock, iStockphoto, Fotolia, Dreamstime, 123rf here.

In conclusion, image credits are nothing to worry about, and are the perfect way to dip your toes into buying from stock agencies. They offer you little risk in the long term, meaning that you can buy images in small quantities, and if you ever need more images and want a better price, you can switch to a subscription.

The real beauty of stock photo subscriptions is that they save you money in the long run. Our subscription plans let you save hundreds of dollars compared to other stock photo agencies! Whether Club Easy or Club Plus piques your interest, having these subscription plans will save you a ton because they are some of the cheapest stock photo subscriptions available.

Buy a Club Easy or Club Plus subscription now!

Image: © PeterAustin /

Amos Struck
Amos Struck

Amos Struck, a renowned expert with over two decades in the stock photography industry, is known for his profound expertise in both stock imagery and artificial intelligence (AI). He is the founder of and a driving force behind the innovative AI-driven platform, His pioneering work in visual AI is marked by co-founding Ximilar AI. Amos also established the Microstock Expo Conference, a key event in the stock photography sector. As a regular speaker at major industry conferences like DMLA and a prominent member of CEPIC, he consistently contributes to the industry's growth and evolution through a blend of technological innovation and market insight.

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