Stay T-mobile or Switch to Google fi

Currently on (one line) Tmobile one plan + a watch plan for $65 a month, Google FI is $65 before taxes and includes a watch plan but also 1 year of youtube premium that im already paying the $14 a month for. Just got the Text from T-mobile for saying switch to debit card or bank account to keep the $10 autopay discount. Ive had my phone bill on a credit card because it pays for repairs like a cracked screen that I already used 3 times

(my one plan doesnt include netflix but never used netflix anyway)