well, I'm not picking, just try to feedback.
phone cards are changing too.
please check firstphonecard.com 90% phone cards are pinless, rechargable, local access, toll free call back, no hidden fee, no connection fee, no extra service charge. And their rate is 1.5-2 c/min
as for the quality, the difference is between landline and cell phone. It is clear but different.
as for us non commercial users, we won't switch unless the difference is really big. For me, I'm still with my 3-year old phone card and I haven't feel urge to change.
I understand it is quite competitive for VOIP services. (for example this one: zenofon.com)
anyway, good luck.