Adobe Stock

Adobe Stock is worth its premium only if you already work in Premiere or Photoshop, where a comp drops onto the timeline and licenses in place without a download step. The library is one of the largest anywhere. Credits expire, the annual plan charges a cancellation fee, and both facts are on the page rather than hidden.

Individuals pay $29.99 a month for 10 credits, $39.99 with AI Studio and a 7-day trial, or $89.99 for 40 credits. The plans are annual commitments billed monthly, and the page is explicit that cancelling after 14 days costs a fee of up to half the remaining commitment. Credits expire. Both of those make it the least flexible of the stock subscriptions, and the reason to choose it is the Creative Cloud integration rather than the price.

An editor already working in Premiere or Photoshop, where the in-app workflow saves real time every week. Anybody outside the Adobe apps is paying a premium for an integration they will never use.