Running the business7 min readUpdated August 2026

Building a UGC rate card

A rate card does one job: it makes the price conversation happen once, in writing, on your terms, instead of repeatedly over email on theirs. Every deal where you improvise a number is a deal where the number is influenced by how the brand framed the ask, and improvised numbers drift downward.

The mistake that costs the most is a rate card that quotes a price per video and stops there. That structure invites the brand to assume the broadest possible usage is included, and it usually is — because nothing on the card said otherwise.

The structure that works

Two blocks, in this order: what you make, and what the brand may do with it. Keeping them visibly separate is the whole point, because it establishes before any negotiation that the licence is a priced item rather than a courtesy.

  • Deliverables with a starting priceShort-form video, product video, photo set, bundle. Use 'from' pricing so the card qualifies budget without committing you to a number before you have seen the brief.
  • Usage rights, priced by tierOrganic only, paid social by duration, whitelisting, broader media, perpetual buyout. Each as a separate line or an uplift on the base.
  • What the base rate includesRevision rounds, turnaround time, formats and aspect ratios delivered, and concept development if you do it.
  • Add-ons with pricesExtra revisions, rush turnaround, raw footage, additional aspect ratios, exclusivity, extra talent, props above a threshold.
  • TermsDeposit policy, payment terms, and your cancellation position. One line each.
  • A dateAn undated rate card is one a brand can hold you to eighteen months later.

Pricing usage rights as tiers, not a toggle

The most common structural failure is a single 'usage rights: +X' line. Usage has four independent dimensions — duration, media, territory, and exclusivity — and collapsing them into one number means you are either overcharging for a modest ask or badly undercharging for a broad one.

The practical version for a rate card is a short ladder of named tiers with an uplift on each. It stays readable, and it makes the expensive asks visibly expensive before anyone starts negotiating. A brand asking for a perpetual worldwide buyout should be able to see, on your own document, that it costs a multiple of the organic rate rather than a small surcharge.

The line that protects you

Put 'Rates are for the usage tier stated. Any use beyond the agreed tier, duration, or territory is a separate licence' on the card. It costs nothing, and it converts an awkward later conversation into a reference to something the brand already read.

What to leave off

Your follower count, unless the deal genuinely includes posting on your own channel. Putting it on a UGC rate card invites the brand to price you by reach, which is the wrong model and almost always produces a lower number than pricing by production and licence.

Hourly rates. UGC is bought by deliverable, and an hourly rate punishes you for getting faster while making the total unpredictable for the brand — the worst of both.

Every possible service. A rate card listing fourteen deliverable types reads as unfocused and does not get read. Lead with the three or four you actually want to sell.

Discounts, as a printed feature. A card advertising bulk discounts anchors the conversation on getting the price down before it has started.

Public card or sent on request?

Both work, and they trade off differently. A public card qualifies budget before anyone writes to you, saves an email round-trip, and reads as confident. The cost is that you cannot price by client — a well-funded brand and a small one see the same number, and you lose the ability to charge more where more is available.

A card sent on request keeps that flexibility and lets you tailor the tiers to the brief. The cost is a delay at exactly the moment a brand is deciding whether to bother, and some of them do not bother.

A middle path most creators land on: publish a starting rate publicly — 'from X per video, usage priced separately' — and send the full tiered card once you have seen the brief. You qualify budget without capping your ceiling.

Keeping it current

Rate cards go stale in a specific way: you raise your prices in conversation but the document still says the old number, and then a brand quotes your own card back at you. Whatever format you use, there has to be one version that is the real one.

This is the practical argument for a live link over an attached file. A PDF you emailed to thirty brands is thirty frozen copies of an old price. A link updates in place, and the version they have is always the version you have.

Frequently asked questions

What should I put on a UGC rate card?

Deliverable types with starting prices; usage rights as separate priced tiers rather than a single surcharge; what the base rate includes, meaning revision rounds, turnaround, and formats; add-ons such as rush, raw footage, extra revisions and exclusivity with prices; your payment terms and deposit policy; and a date. The separation between production price and licence price is the part that matters most.

Should a UGC rate card be public?

A public starting rate qualifies budget before a brand writes to you and saves a round-trip, at the cost of being unable to price by client. The common compromise is publishing a 'from' price with usage noted as separate, then sending the full tiered card once you have seen the brief — you filter out unviable budgets without capping what you can charge a well-funded brand.

How often should I raise my rates?

Raise them when you are consistently booked, when you are turning work away, or when your work has visibly improved — not on a schedule. Apply the new rate to new enquiries and give existing repeat clients notice before their next project rather than mid-deal. Most creators wait far too long, because the signal to raise is a full calendar and a full calendar feels like something to protect.

Do I have to honour an old rate card?

Not indefinitely, which is exactly why the date matters. A card marked with a date and a note that rates are current as of that date is straightforward to supersede. An undated one that a brand received a year ago is much harder to walk back without friction.

Build the card from a real formula

The free rate calculator prices each tier from deliverable, usage, term, and exclusivity — so the numbers on your card have working behind them.

Open the calculator

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