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Before any of you phone boners say anything, I also have a iPhone 4s, and a SIII with Jelly Bean 4.2.2 Rom installed. This Windows phone isn't even activated, and its still a must buy 
I'll go over the pro's and con's of this phone (Nokia Lumia 521/520)
I read on this site that people were worried about the call quality, but that was the European version on whatever network they was using. The actual phone itself, the phone quality is dependent on your service provider. People here was trying to make it seem like the phone itself had a a call problem. My research has proven that to be false. I just wanted to get that out the way before I start.
The U.I. takes a good hour before you get the hang of everything. I didn't like it at first, but after I customized it I like it more than any other phones UI. When I unlock it I see a picture of my younger brothers, the weather, facebook post/pics from family & friends who I manually picked to be displayed. I can enter and exit applications much faster than I ever did on apple or android. Which leads me to my next Pro, the built in apps!
The built in apps are pretty phenomenal. Remember, I still haven't activated this phone yet but I've already done the things I am about to tell you about. Nokia Music is one of the three music apps already installed (Xbox music and Slacker Radio the other 2) Nokia Music is basically Pandora. The difference is I can click on any mix and it will download the entire mix within 15 seconds so I can continue listening away from a wifi connection. Each mix I downloaded was 1mb to 5mb in size, and each had about 15 songs in them. How they do that? I don't know
Home Beta is a great name, its also the name of the navigation app. With this app you can download either the entire country, or you can do it by region, state, whatever it is in your country. You can also download different genders and/or languages for the navigation (all free) and then it will work without an internet connection
Apparently all the phone needs is GPS which I thought you needed a plan to use. No, this still unactivated phone will give me voice activated directions to anywhere right out the box. All of this is enough imo to get this phone. There are plenty more things I like about this phone, but its time for the Cons.
Micro SD card issues is a big problem for Windows Phones. BIG problem. In the past they just didn't offer the ability, but they do now. So I used a card from an old android phone I stopped using years ago and my windows phone wouldn't even recognize it. Then I noticed the phone itself started to stutter/lag. I thought the card was corrupted or something? I come to find out that micro SD cards if not formatted a certain way has issues on windows phone. I've read formatting to exFAT works, but then I've also read how that didn't work for everybody. I know Nokia makes there own branded SD cards which work. Its just not universally clear what exactly needs to be done for them to work every time. I hope this can be resolved sooner rather than later
Finally, the Camera. Takes really good pictures, but its only 5MP. It also doesn't have a flash If you not in a dark cave then its not a bad camera at all. It has all the Nokia preset camera function apps on there (Panorama, Cinema edit and more) The no flash is disappointing, but at that price? Cuts had to be made somewhere. My sprint contract is up in 2 months, I'm now leaning towards getting a Lumia 928 when that time comes.
I'll go over the pro's and con's of this phone (Nokia Lumia 521/520)I read on this site that people were worried about the call quality, but that was the European version on whatever network they was using. The actual phone itself, the phone quality is dependent on your service provider. People here was trying to make it seem like the phone itself had a a call problem. My research has proven that to be false. I just wanted to get that out the way before I start.
The U.I. takes a good hour before you get the hang of everything. I didn't like it at first, but after I customized it I like it more than any other phones UI. When I unlock it I see a picture of my younger brothers, the weather, facebook post/pics from family & friends who I manually picked to be displayed. I can enter and exit applications much faster than I ever did on apple or android. Which leads me to my next Pro, the built in apps!
The built in apps are pretty phenomenal. Remember, I still haven't activated this phone yet but I've already done the things I am about to tell you about. Nokia Music is one of the three music apps already installed (Xbox music and Slacker Radio the other 2) Nokia Music is basically Pandora. The difference is I can click on any mix and it will download the entire mix within 15 seconds so I can continue listening away from a wifi connection. Each mix I downloaded was 1mb to 5mb in size, and each had about 15 songs in them. How they do that? I don't know
Home Beta is a great name, its also the name of the navigation app. With this app you can download either the entire country, or you can do it by region, state, whatever it is in your country. You can also download different genders and/or languages for the navigation (all free) and then it will work without an internet connection
Apparently all the phone needs is GPS which I thought you needed a plan to use. No, this still unactivated phone will give me voice activated directions to anywhere right out the box. All of this is enough imo to get this phone. There are plenty more things I like about this phone, but its time for the Cons.Micro SD card issues is a big problem for Windows Phones. BIG problem. In the past they just didn't offer the ability, but they do now. So I used a card from an old android phone I stopped using years ago and my windows phone wouldn't even recognize it. Then I noticed the phone itself started to stutter/lag. I thought the card was corrupted or something? I come to find out that micro SD cards if not formatted a certain way has issues on windows phone. I've read formatting to exFAT works, but then I've also read how that didn't work for everybody. I know Nokia makes there own branded SD cards which work. Its just not universally clear what exactly needs to be done for them to work every time. I hope this can be resolved sooner rather than later
Finally, the Camera. Takes really good pictures, but its only 5MP. It also doesn't have a flash If you not in a dark cave then its not a bad camera at all. It has all the Nokia preset camera function apps on there (Panorama, Cinema edit and more) The no flash is disappointing, but at that price? Cuts had to be made somewhere. My sprint contract is up in 2 months, I'm now leaning towards getting a Lumia 928 when that time comes.
You should also look up the built in app called "wallet" that does what you talking about. Now if you don't like the phone, cool. No reason to repeat yourself