Great Card If
- You’re a T-Mobile customer.
- You want a discount on your monthly T-Mobile bill.
Don’t Get If
- You’re not a T-Mobile customer.
- You have other cards with better reward rates.
T-Mobile Visa Card: Is It Worth It?
For T-Mobile customers who want an autopay discount and rewards on T-Mobile product purchases, the T-Mobile Visa card can be a compelling option.
The T-Mobile Visa card offers a $5 monthly discount per line (on up to 8 lines) when you use your card for T-Mobile autopay. This offers up to $40 in monthly savings, excluding rewards you’ll earn.
T-Mobile Visa Card Best Benefits and Perks
Here is a full look at the top benefits of the T-Mobile Visa card:
- Lower your monthly bill: When you enroll your card in T-Mobile autopay, you can get a $5 monthly discount per eligible wireless phone line, up to 8 lines (depending on your plan), for a total of up to $40 off each month.
- No foreign transaction fees: Use your card abroad without incurring added fees.
- No annual fee: The card has no annual fee.
- Rewards never expire: Accumulate rewards without worrying about expiration.
- Cardholder exclusives: Maximize your savings from T-Mobile Tuesdays and access additional perks.
Best Ways To Earn and Redeem Your T-Mobile Rewards
Use your card to purchase any phone, device, or accessory at T-Mobile, where you’ll earn 5% back, along with all of your other daily purchases, where you’ll earn 2% back. However, other credit cards may earn higher rates on select purchases.
T-Mobile keeps redemptions simple, letting you use your rewards for a new phone or device or toward your T-Mobile bill. Keep in mind that your rewards never expire, so you can build them up for a large redemption, such as a phone purchase.
Alternative Cards to the T-Mobile Visa Card
If you prefer a $0-annual-fee credit card with more flexible redemption options, the Chase Freedom Flex card is a strong choice.
Cardholders earn 5% cash-back on quarterly rotating categories and Chase Travel purchases, 3% cash-back on dining and drugstore purchases, and 1% cash-back on all other purchases. You can redeem these rewards for cash-back, toward travel purchases, gift cards, and more.
Plus, the card comes with coverage for theft or damage to your phone. It offers up to $800 per claim and $1,000 per year when you pay your monthly cell phone bill with your card, with a maximum of 2 claims per year and a $50 deductible per claim.
The Wells Fargo Autograph card is another great $0-annual-fee credit card that offers great bonus categories and cell phone protection as an included perk.
Cardholders earn 3x points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans, along with 1x points on all other purchases. You can redeem Wells Fargo Rewards for cash rewards or travel through the Wells Fargo travel portal, or transfer them at a 1:1 rate to any of Wells Fargo’s transfer partners.
You’ll also receive up to $600 of cell phone protection against damage or theft, with up to 2 claims per 12-month period, and a $25 deductible per claim. This is in addition to other perks like auto rental collision damage waiver and no foreign transaction fee (rates & fees).
