Depends on your future upgrade desires. I guess if you don't mind upgrading for 3 years you could go this route, I'm currently debating it because I think its enough of an upgrade from my 13 Pro Max to justify it. For my phone Apple will give me a $580 trade-in value. I don't think I need it badly enough to owe AT&T $5.50 payments for 3 years. I enjoy the freedom of having a phone free and clear of any kind of monthly payment obligations.On AT&T the credits are over 36 months - this just doesn't seem worth it. Rather trade in direct with Apple and get the credit immediately, right?