It's exactly what you want it to be
There's not much to say about the Playstation Plus card that you don't already know anyway. You need it to play online with the PS4, but it's not necessary to play online with the PS3. However, the biggest perk now is that they give you two free games a month to play for as long as you're a member of the + community. It used to be one game, but now they've bumped it up. Search around and see what games will be free every month. Some of the titles may surprise you.
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