There should be a SIM card included, Specifically a Verizon SIM Card. Not sure why it would be missing. The pre-paid card is no different then a gift card/credit card. It gives you the ability to buy time without using a personal credit card. Overall, prepaid method is more expensive per megabyte. It gives you the option to use it only for the time needed.(by month). If you do not renew, you lose any remaining data on your plan. Overall, a data plan (on auto renewal) is more cost effective. I use mine when I know I will be in a Verizon only area. Else, I tether my Cell phone for internet connection. Prepaid method can be costly in certain situations.