Seems the refresh may be a selling point when time comes to Swappa it. The buyer will be getting a like new phone. That's why I got it, that and never had a 64gb phone before.
I use the Transcend 64 Gig microSDXC/SDHC Class 10 UHS-I U3 633x (Ultimate). There is a difference:
Transcend's SDXC/SDHC UHS-I Speed Class 3 (U3) 633x microSD cards provide the performance and capacity necessary to harness the full power of your UHS-I compliant smartphones, tablets, digital cameras and camcorders. Capable of reaching incredible read and write speeds of up to 95MB/s and 85MB/s, these cards can easily capture ultra-high quality 4K and 3D recording and significantly reduce the time it takes to transfer videos to your computer. Additionally, the top-tier MLC NAND flash chips inside provide consistent long-life durability and endurance.
Look on the web for "transcend-info.com/Products/No-697"