The other sells the exact same product but charges along a metric of particular usage in the app with a bare minimum per month charge. (priceintelligently.com)
My guess is that the $ 25 per month they charge you in premiums is pure profit for the credit card company. (allfinancialmatters.com)
Bank of America, for example, has begun to roll out a $ 9 per month charge for paper statements on some checking accounts. (creditcards.com)