I have every console. Let's compare.
Price-
Nintendo: $20 a year
Xbox: $60 a year
PSN: $60 a year
Games-
Nintendo: You get random NES games monthly that you lose when you stop paying.
Xbox: You get two Xbox One and two Xbox 360 games per month. You keep the 360 games forever, even if you stop paying.
PSN: You get a variety of PS3, PSV, and PS4 games.
Cloud saves-
Nintendo: Supports most games. Disappears after a certain time when you stop paying.
Xbox: Unlimited automatic cloud saves for everything, for free. If you log in on a different console, your saves is already waiting for you. You don't have to do a thing.
PSN: Cloud saves with PS+. Disappear after a certain time when you stop paying.
Communication-
Nintendo: voice chat in some games. Some native. Some via app. No messaging or invites whatsoever.
Xbox: Voice chat, party chat, chat with people playing an entirely different game, voice messages, video messages, text messages, updates on what friends are doing, screenshots, videos, achievements, etc.
PSN: Mostly the same as Xbox
Clubs-
Nintendo: nope
Xbox: Automatic "game hubs" for every game. If you play the game, people can see your content. You can see theirs. It's optional. User created clubs.
PSN: Mostly the same as Xbox
Broadcasting-
Nintendo: No built in option to broadcast to others.
Xbox: Supports Twitch streaming and Mixer
PSN: Supports Twitch
Miscellaneous-
PSN and Xbox One support various ways of letting others control the game you're playing via the Internet and they have dedicated servers.
Nintendo offers a 10% reward for every digital purchase (ie: but a $60 game. Get $6 to spend on something else). All companies offer huge digital discounts with M$ and Sony offering the biggest price cuts on top tier titles and additional discounts for subscribers.
That's the gist of it. There's a few other things like the Xbox One app that lets you use your phone as a controller or keyboard or watch digital captures from your friends or the PSN app that lets you buy games or message via your phone amongst other things.
There's also a robust app store on Xbox with everything from Kodi to a Kinect baby monitor. It all depends on what you value.
For me, my Switch is a personal portable gaming machine so I'm happy not paying for Nintendo's online service until they make some improvements. I just miss the days of playing Mario Kart online. 😥
