The T-Mobile Visa Card is the wireless company’s inaugural venture into the world of co-branded credit cards. Issued by Capital One, this card comes with no annual fee and is tailored for individuals already immersed in the T-Mobile ecosystem. As is common with branded cards, the rewards and perks of the T-Mobile Visa are most advantageous for T-Mobile network users.
Image courtesy of T-Mobile.
The standout feature of this card is its impressive 2% rewards rate on most purchases. These rewards can be used towards your T-Mobile bill, combined with the $5 per line autopay discount, resulting in substantial savings for families.
However, like other wireless company co-branded credit cards, the T-Mobile Visa lacks a common benefit found in many cards today: cell phone insurance.
Here are five key points to consider about the T-Mobile Visa Card.
1. It earns an unlimited 2% back on most expenses
With the T-Mobile Visa, cardholders earn 5% back in T-Mobile rewards on T-Mobile purchases and 2% back on all other purchases.
While the 5% rate is appealing, the unlimited 2% back on other purchases puts it in line with some of the top flat-rate cards available.
It’s important to note that the rewards earned are not cash back directly.
2. Redemption options are limiting
The T-Mobile rewards earned can be redeemed as credits towards your monthly T-Mobile bill at a 1:1 ratio. They can also be used towards purchases of phones, devices, and accessories from T-Mobile. These rewards do not expire.
While the inability to redeem rewards for cash back is a limitation, the guaranteed utility of using the rewards towards your monthly cell phone bill makes them valuable.
3. There’s a bill discount with autopay
By using your T-Mobile Visa for T-Mobile autopay, you can receive a $5 discount per eligible line, up to eight lines, each month. This benefit is particularly advantageous for families sharing a plan.
For instance, a family with eight eligible lines can save $40 on their phone bill monthly.
4. It doesn’t offer cell phone insurance
Unlike many other credit cards, the T-Mobile Visa does not include cell phone insurance as a benefit. This may require cardholders to weigh the value of the autopay discount against the protection provided by phone insurance on other cards.
If cell phone insurance is a crucial feature for you, consider a general rewards card like the Wells Fargo Active Cash® Card, which offers 2% back on all purchases and includes phone coverage up to $600 for damage or theft when using the card to pay your bill. Note that this card has a $25 deductible and a limit of two claims per year.
5. It comes with other valuable benefits
While lacking cell phone insurance, the T-Mobile credit card offers additional benefits that may suit your spending patterns. Cardholders can enjoy:
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Up to 50% off select hotels and up to 45% off select Pay Now rental cars booked through T-Mobile Travel.
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A 25-cent discount per gallon, up to 20 gallons, at Shell Fuel Rewards on Tuesdays until Dec. 23, 2025.