I have MCA,. I got it because I like the sound of unlimited. I even use it for friends when they are in trouble. I recently got 50% off my new designer frames at lens crafters. It says I can get 65% off medicine but have my user it yet. But the hotel and and car rentals discounts are good. And their travel agent got us maps and everything. I'm the type of woman that like to use every feature and benifit I pay for. I think its worth 20$ a month. Still seeing what all it can do. Lol. I can help you get it if you like.