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There are no big surprises here: Today's phones are getting more nice-to-have refinements rather than the awe-inspiring innovation seen just three or four years ago. Discover the latest news and best reviews in smartphones and carriers from CNET's mobile experts. Up until a couple of years ago, smartphone manufacturers had us sitting on the edge of our seats, waiting for the next design refresh.

But that's not as much the case anymore. With the iPhone 12 series, 5G was probably its buzziest feature -- one that understandably ended up triggering an upgrade supercycle. Apple's proprietary technology, allowing you to magnetically snap on attachments , was first introduced some 15 years ago with the first-gen MacBook Pro.

It was then reintroduced for the iPhone When you look at what changed from the iPhone 11, you'll see the usual suspects on your list: 5G, OLED screen, new design. Admittedly there are a few more things you won't see everywhere, such as MagSafe and the Ceramic Shield, but nothing extra-special to truly write home about. Personally, the last time I was blown away by an iPhone reveal was back in when Apple introduced the iPhone X, which set new design standards for the modern-day iPhone.

The iPhone X did away with the physical home button and chunky bezels of its predecessors and made way for a sleek, futuristic device that inspired the iPhone 12 family.

Also, for the first time with Apple, we were able to unlock an iPhone with Face ID, Apple's facial recognition technology. Looking at the iPhone 13, the narrative sounds familiar. We knew it wouldn't get a major technical upgrade though that didn't stop us from wishing. While we appreciate the upgrades Apple did give the phone a smaller notch, a larger battery and a faster screen refresh rate , the iPhone 13 is "not radically different," according to CNET's Patrick Holland. Plus a number of these new iPhone features, like the Hz screen, currently exist on Android phones, reinforcing the notion of a decreasing technological gap in the smartphone landscape.

Apple itself says the life-cycle of a typical iPhone is now three years. So the company times its new releases accordingly: We get a major redesign every three years, not two, with more minor updates in between. Look no further than the glitziest non-Apple flagship launch of this year for clues: Samsung's Galaxy S21 family. Here the standout change wasn't made to the hardware or software, but perhaps to its least interesting feature: its price tag. Apart from that, major differences between the S21 and last year's S20 were mostly incremental.

I remember having to pore over the specs sheet to spot salient differences as I covered Samsung's virtual Unpacked event. Refinements were made to the usual suspects, including the processor, software and 5G. This might have been part of Samsung's response to the global coronavirus pandemic, but again it lends credence to the notion to that decreasing technological gap. It was also interesting to note the items Samsung dropped from the S21 flagship family to meet that lowered price.

We said goodbye to expandable storage, bundled earphones and most notoriously the in-box charger , as Samsung followed in Apple's lead -- apparently in the name of the environment.

Read more: Here's what we know so far about Samsung's Galaxy S If you want to upgrade but do not want to stay in the iPhone Upgrade Program, you should not complete the preapproval process.

After 24 payments, the iPhone is yours, and your iPhone Upgrade Program contract is complete. In order to upgrade, you need to make or have made the equivalent of at least 12 payments. You can pay any remaining balance needed to meet your 12 payments at the time of upgrade. At that time, your new loan will begin, and the early upgrade payment you made for your original loan will be reassessed. Any amount you paid in excess will be refunded to you. The person who upgrades your iPhone will be responsible for starting a new iPhone Upgrade Program loan agreement.

If you satisfied your current iPhone Upgrade Program loan, you own the iPhone outright. But if there is a remaining balance due, you are responsible for paying the balance of the loan to Citizens Bank.

If you upgrade online, you may be charged an incident fee after your iPhone is received and assessed for damage. If you upgrade at an Apple Store, you may be charged an incident fee at that time.

Citizens One is the official financing partner for the iPhone Upgrade Program. Monthly charges from Citizens One will appear on your card statement per the terms of your installment loan. You will also receive communications from Citizens One about your loan. Citizens One is a brand name of Citizens Bank, N.

Tap Download and Install. Overview How to upgrade. Upgrade to your favorite iPhone. Year after year. Check upgrade eligibility for the iPhone Upgrade Program.

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