I was under the impression that getting a 2 year contract also raised your bill roughly $30 a month. The old math I saw when they first did away with 2 year contracts showed people saved roughly $40 over two years by paying for the phone in full with installments and getting a discount on their service. Also, the 2 year contract charges a $40 activation fee. I'm paying the phone off in full with an American Express Blue Cash Everyday card and I'll get 10% back as a statement credit. But I do wish they'd show the promos, because if the 256 SD card isn't included, that's gonna offset my savings using my card to buy it through Verizon.