The verdict first: cellular is worth it when walking to the camera would pressure the spot you intend to hunt, when the camera is genuinely far from a road, or when you are managing several properties. It is not worth it when you drive past anyway, when coverage on your ground is marginal, or when you check cameras on your way in to hunt regardless.
Do the arithmetic before you buy. A cellular plan at $12 a month across a six-month season is $72 per camera per year. Three cameras over three seasons is $648 — which buys twelve card-based cameras outright. Over five years with three cameras you are past a thousand dollars in subscriptions alone.
That is not an argument against cellular. It is an argument for knowing the number, because almost nobody runs it before the first bill arrives.
Where each one genuinely wins
Cellular wins on pressure
Every trip to a camera leaves scent, disturbs bedding areas and educates deer. On a small property or a heavily hunted piece of public land, that cost is real and it compounds. If your camera sits somewhere you cannot reach without walking through the exact ground you plan to hunt, cellular is buying you something a card cannot.
Cellular wins on scale and distance
Six cameras across three properties is a full day of driving to check. One camera two miles up a drainage is a half-day round trip. In both cases the subscription is buying back time that has a real value.
Card-based wins on total cost, obviously
Zero running cost, forever. Buy the camera, buy two SD cards, and that is the entire expenditure. For a hunter running two cameras on ground they drive past, this is straightforwardly the correct answer.
Card-based wins on reliability
A card camera has fewer failure modes. No coverage problem, no plan lapsing mid-season, no app outage, no SIM issue, no carrier tower maintenance during the rut. It writes to a card and the card works.
The coverage question nobody can answer for you
Cellular camera performance is decided by signal strength at the tree it hangs on, not at your house or your truck. Check your phone's signal at the exact spot before you buy, and if it is one bar, consider a dual-SIM model that can select between carriers — or buy card-based and save the money.
What both share
Trigger speed, detection range and flash type matter identically in both. Do not let the cellular decision distract from the specifications that actually determine whether you get a usable photograph.
How these were picked
I haven't handled these. Here's what I did instead.
Everyone in this category says they tested twenty of these. I haven't tested any, and I say so. What I do instead: read the manufacturer's manual and published specification, compile the numbers that decide the purchase, do the arithmetic in the open, check the live price, and name one product to skip. The scores above are judgments from that research against a published rubric — they are not measurements I took, because I do not have a lab and I am not going to pretend otherwise.