WA Credits 101: Exactly How AI, Cash & Community Credits Work

byJohnMaluth

490 followers

2 weeks ago

When I first joined Wealthy Affiliate, I was more confused by the word “credits” than I was by SEO. Three kinds of credits? One that spends like money, one that feels like influence, and another that powers AI?

I remember asking myself, “Why not just call them all dollars?” But as I grew into this platform, I realized: the credit system at WA is not just about money it’s about how you grow as a person, as an entrepreneur, and as a community member.

Let me tell you why.

AI Credits: My Creative Engine

There was a time I would sit staring at a blank page for hours, waiting for words to come. You may know that feeling.

Today, AI Credits make that blank page less scary. As a Premium member, you get 10,000 AI Credits every month, and if you upgrade to Premium Plus+, that becomes 30,000 AI Credits. That’s a serious engine for anyone building content.

When I run dry on ideas, I throw a prompt at the AI tool. It doesn’t write my life for me but it does give me a map. I still add my stories, my humor, my values. That’s where my integrity shows up. But AI keeps the gears turning.

AI Credits taught me that creativity is less about waiting for lightning and more about keeping the lights on while you work.

Cash Credits: Money That Teaches You Discipline

The first time I saw Cash Credits appear in my account, I felt like a child who found a coin on the road. It was small, but it was mine.

Each Cash Credit equals $0.50 USD. You earn them through referrals, affiliate activity, or certain opportunities in WA. And here’s the magic: you can cash them out on the 1st of every month if you hit at least $10, or you can reinvest them in the platform (comments, feedback, domains).

I like to think of Cash Credits as a test. They ask you: Are you ready to build wealth, or are you just chasing pennies?

I’ve learned to reinvest some, cash out some. That balance between feeding my growth and rewarding myself is the same balance life asks of us every day.

Community Credits: Trust That Outlives Cash

Now here’s the tricky one: Community Credits. They don’t turn into dollars. You can’t buy lunch with them.

So, what’s the point?

I’ll tell you a story. Back home in South Sudan, we share food, homes, even mobile phones. Often, the one who gives the most respect ends up being respected the most. That’s how community works; every act of generosity multiplies.

Community Credits at WA work the same way. You earn them by helping others through SiteComments and SiteFeedback. They build your rank, trust, and visibility. And while you can’t cash them out, you can cash in on the relationships and authority they bring you.

I’ve seen new members grow faster simply because they were generous with their comments. In business, trust is the seed. Community Credits are how you water it.

The Bigger Truth

When I step back, I see the genius of this system:

• AI Credits remind me that I don’t have to do everything alone. Tools can help.
• Cash Credits remind me that money rewards consistency and smart choices.
• Community Credits remind me that giving is wealth in itself.

That’s life. That’s WA. That’s why this platform has kept me not just growing a business but growing as a person.

🔥 If you’ve been overlooking the credit system, don’t. It’s not about three different currencies; it’s about three different ways of becoming who you’re meant to be: a creator, an earner, and a community builder.

And that’s the real credit you’ll carry long after the numbers in your account.