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Memory cards enable you to do more with your cell phone than make calls. You can use the memory card to store and transfer photos or music, or to add new programs to your smartphone. Your cell phone needs to have a slot to put the card into. Right now, most cell phones sold do not have memory card slots. Generally, only smartphones -- phones that combine cell phone and PDA functionality -- have expansion slots. Smartphones only make up about 5 percent of all cell phones sold in the U.S., though that number is expected to grow rapidly.
Bottom line: If you want to expand your cell phone's memory options with a digital storge card, you need a smartphone.