Prepaid plans have come a long way since we created this list in 2012. We’re getting deep into 2021 and prepaid service is no longer just for those with poor credit or tight finances. It’s become perfect for those that want extra flexibility or the freedom to switch carriers as soon as a better deal comes around.
When it comes to the best prepaid carriers, there is no one size fits all approach. Some options offer better pricing, at the cost of less extensive customer service. Others focus on unlimited data or other special features. There are literally dozens of prepaid carriers in the US, so picking the right one for you isn’t always easy. Here are just a few of the best options.
MVNO vs traditional carrier options
Before you jump into picking a prepaid, you have to know what you are getting into. There are basically three types of carriers when it comes to prepaid:
Mobile Virtual Network Operators (MVNO) are the most common option as far as prepaid carriers are concerned. An MVNO is a cellular carrier that doesn’t technically own its equipment or network, instead, they have a contract with another carrier like Verizon, T-Mobile, or AT&T. MVNOs tend to be way cheaper than a carrier owned by a major cellular network but also tend to have compromises like less comprehensive customer support, restricted data speeds, and so on.
Our absolute favorite MVNO is Google Fi, though we also highly recommend US Mobile or Mint Mobile. Here are a few more things to consider before you sign up:
Pros of an MVNO:
- Prices are almost always lower with an MVNO due to lower overhead costs.
- You get the same quality service as the larger carriers thanks to the rental setup.
Cons of an MVNO:
- Most MVNOs are a bit light on the extra perks — don’t expect a free streaming service.
- MVNOs stick to mobile service, so you won’t be able to bundle with TV or the internet most likely.
- The lack of retail shops can make it tough to get in-person customer service.
The traditional carrier
Traditional carriers own their own networks and equipment, which typically means that you’re going to get the best customer service, speeds, and possibly a bunch of extras you won’t find with other prepaid carriers. On the flip side, traditional carriers tend to be more expensive than other prepaid options. T-Mobile is probably our favorite traditional prepaid carrier, thanks to a great mix of value and features.
Pros of a traditional carrier:
- You can often get better prices than traditional phone plans.
- The carrier won’t slow you down during high-volume periods.
- It’s easy to cancel your plan or change carriers.
Cons of a traditional carrier:
- You may not get the same list of devices to choose from.
- Prepaid plans often offer less international access.
A carrier owned by a major network
Want more features and better options than you’re seeing from most MVNOs but don’t want to pay the traditional carrier price? There is a third door, and that’s a carrier owned by a major network. Basically, this is a carrier that doesn’t own its own network, but its parent does. For example, Cricket is owned by AT&T, and Visible is owned by Verizon. This relationship means you get an experience that’s a bit of a mix between an MVNO and a traditional carrier. Visible, Cricket, and Metro are easily the best options in this category.
Pros of an owned carrier:
- Better service than some MVNOs thanks to the closer relationship.
- It’s easy to move to the owner carrier with fewer hoops to jump through.
Cons of an owned carrier:
- You won’t get as many perks as the parent carrier — if any.
- Some owned carriers offer fewer plans in general.
Best prepaid phone plans:
Verizon Wireless is still the nation’s biggest cellular carrier. While it doesn’t have a huge marketing push for its prepaid plans, it does offer a number of different options. You can either purchase your phone direct from Verizon or bring one of your own. Keep in mind that Verizon is a CDMA-based carrier so if you do want to bring your own phone, make sure it’s compatible with its network.
With that said, let’s go over what you can expect from Verizon’s prepaid plans. These all include the $5 discount you get for enabling AutoPay:
- There’s a talk-and-text-only plan available for $30 per month. It offers data, but only at 2G speeds.
- Verizon’s cheapest data plan costs $40 a month, with unlimited talk, unlimited text, and 5GB of LTE data
- The other prepaid plan with limited data costs $50 a month with 15GB of data. Both offer mobile hotspot support and the 15GB plan adds unlimited calls to Mexico and Canada.
- There’s also an unlimited plan that costs $65 a month. It also offers unlimited calls to Mexico and Canada but does not offer mobile hotspot data. This can be added for an extra $5. You can opt for a $75 version that adds 5G Ultra-Wideband to the mix.
- If you want to add more than one line to your Verizon prepaid plan, you can get discounts on each line for up to five lines. You can also have a more expensive plan for one line, and cheaper plans for the other lines on the same account.
- There are also loyalty discounts, so you save $5 on most of the plans after three months, and $10 after nine months.
Visible is a recently launched carrier that is essentially owned by Verizon and utilizes its 4G and Nationwide 5G networks. It tries to do something different in that it has just one plan to choose from, with no other options or add-ons to make things confusing. There’s also no store to visit; Visible is only available on its official website or on its Visible app.
Our own Andrew Grush gave Visible a shot. You can read about his experience right here.
Here’s a quick look at what makes Visible different:
- There’s just one Visible prepaid plan; $40 a month with no taxes or fees. That price gets you unlimited talk, text, data, and hotspot support on that plan for your phone.
- Visible is also offering your first month of service for $25 as well as Party Pay where you can share with as many friends as you please and you’ll each pay $25 per month for good.
- At the moment, there are no speed caps or data throttling with Visible’s plan. However, the company has hinted 5Mbps speed caps will be put in place later so you might want to sign up now to avoid the cap limit.
- Visible sells a solid number of Android phones, but you can also use your own compatible phone if you want.
- Streaming video speeds are limited to 3Mbps and 480p resolution on Visible. Streaming audio is limited to 500Mbps, social networking scrolling is limited to 1Mbps, and video chatting with friends is limited to 2Mbps.
Our full rundown of Visible deals offers more details about how you can best take advantage of this carrier.
Boost Mobile is now owned by Dish Network — a first for the company. It has a few plans to choose from, along with discounts if you add more than one line to your account. It also offers a standalone Wi-Fi hotspot plan as well, along with add-on international calling plans. Boost offers some pretty great plans, especially for those who are looking to save.
Take a look at what you can expect from Boost Mobile’s prepaid plans:
- Boost has a brand-new Shrink It plan which decreases in price by $5 after three months and after six months to cost $35 per month for unlimited talk and text, as well as 15GB of LTE data.
- There’s a $35 a month plan with unlimited calls and texts, along with 3GB of LTE data.
- The two other plans all offer unlimited calls, texts, and high-speed data. They cost $50 a month, with 12GB of mobile hotspot data and $60 a month with 30GB of hotspot data.
- If you have a stand-alone mobile hotspot, Boost Mobile has a prepaid plan that offers 50GB of high-speed data for $50 a month
- Boost Mobile also offers add-ons for its plans that include international phone services, phone insurance, and HD mobile video streaming. All Boost plans now include Boost Perks which are exclusive deals, giveaways, and deals.
For a deeper look at all of the Boost prepaid plans and promotions, you’ll want to visit our Boost deal guide.
If you’ve seen a prepaid commercial recently, there’s a good chance it was from Mint Mobile. Since Ryan Reynolds took over, the carrier with the fox has been everywhere. Mint also skips physical stores in favor of a fully online presence to keep things simple. Mint recently took a big step forward — it now offers an unlimited plan so you can use 4G and 5G data to your heart’s content.
Here’s a look at what sets Mint apart from the rest:
- Introductory plans start at just $15 per month for 4GB of data.
- All plans include unlimited talk and text, along with free mobile hotspot access.
- Mint Mobile relies on 4G LTE and 5G connections — whichever is stronger.
- If you run out of data before your monthly cycle ends, you can add more access with a simple text message.
Like T-Mobile, AT&T has its own sub-brand (Cricket), yet still offers five prepaid plans directly under its main brand. Two plans offer a limited amount of high-speed data for your smartphone, and the others offer unlimited 4G LTE data. There’s also a fifth plan that offers no data for people who still want to use a feature phone.
Here’s what you can expect from AT&T’s prepaid plans:
- For smartphone users, you can get a plan for $30 a month with 5GB of LTE data, unlimited talk, and text in the US
- The next level costs $40 a month and it offers 15GB of 4G LTE data, plus unlimited talk and text to Canada and Mexico, and use of the plan when you are in both of those countries.
- The cheaper AT&T prepaid unlimited data plan costs $65 a month, or you can get the more expensive $75 a month plan that includes 10GB of high-speed mobile hotspot data and 5G access.
Straight Talk Wireless is an MVNO that’s actually owned by Walmart, and uses Verizon’s or Sprint’s network for CDMA phones, along with T-Mobile’s or AT&T’s GSM network for its compatible phones. While it does sell phones on its own, Straight Talk’s main marketing push is for people who already own their phones to sign up and use its service.
Read more: Best Straight Talk phones
Let’s go over what Straight Talk Wireless’ plans are like:
- One plan costs $30 a month with unlimited text, 1,500 minutes of talk in the US, and 100MB of data.
- Two of the plans offer limited data in larger amounts. The first costs $35 a month with unlimited talk, unlimited text, and 5GB of data. The other costs $45 a month and boosts the data cap to 25GB a month.
- If you find yourself running low on either of the limited data plans, Straight Talk will also let you add more for $5 for every 1GB or $10 for 2GB.
- There’s another Straight Talk Wireless plan that costs $60 a month, with unlimited talk, unlimited text, and 25GB of data. It throws in unlimited mobile-to-mobile calling to Mexico, India, and Canada.
- There’s also an unlimited data plan for $55 a month, but it does not have the international calling features.
Cricket Wireless is an AT&T-owned carrier running on the AT&T network. You can bring your own device, assuming it’s compatible, or you can choose from one of Cricket’s own prepaid phones. Keep in mind that if you buy a phone from the carrier, you will have to keep it on the network for six months before you are allowed to unlock the phone and use it on another network.
Let’s go over what you can expect from Cricket Wireless and its prepaid plans.
- Two Cricket plans offer limited 4G LTE data. One costs $30 a month with 2GB of high-speed data and the other costs $40 a month with 5GB of data.
- Two Cricket plans offer unlimited data; one costs $55 a month with speeds capped at 3Mbps, and the other costs $60 a month with possible slowdowns in speeds after 22GB of data is used. You also get 15GB of mobile hotspot data.
- Both of the unlimited plans come with support for roaming in Mexico or Canada as long as your usage doesn’t exceed 50% of your total usage for the month.
US Cellular is the nation’s fifth-largest standalone wireless carrier. It’s a CDMA-based carrier with LTE coverage, so that means you’re mostly stuck with phones offered directly from the carrier. This carrier is particularly common in rural areas, often offering services where there are few other decent options. It also has great free-roaming that extends its coverage to more of the US when traveling.
Take a look at what you can get from the prepaid plans at U.S. Cellular:
- There’s a basic plan that costs just $30 a month, with unlimited talk and unlimited text but no data.
- You can bump up to the $40 a month prepaid plans, which adds 8GB of LTE high-speed data.
- The Unlimited data plan costs $55 a month, with unlimited talk, text, and data. However, speeds are capped at 5Mbps and there might be some more speed throttling if you go over 15GB of data per month.
- US Cellular has also added an Unlimited Plus plan for $65 per month. It has the same perks as Unlimited but also unlimited 1.5Mbps hotspot and dialing to Mexico and Canada. You also get one Redbox movie rental per month.
- All of these plans allow you to add unlimited talk and text to Mexico and Canada for an extra $5 a month.
Despite having its own prepaid sub-brand (Metro), T-Mobile still offers prepaid plans directly. T-Mobile has three prepaid plans to choose from.
The first is called Simply Prepaid which offers a limited amount of high-speed data a month. The second plan is Simply Unlimited Prepaid, which offers unlimited 4G data speeds. T-Mobile’s highest-level prepaid plan is called Simply Unlimited Plus which offers unlimited 4G LTE data and 10GB of LTE hotspot. There’s also a prepaid data-only option for tablets, smartwatches, and hotspots.
Here’s a quick look at what you can get with T-Mobile Prepaid:
- The Simply Prepaid plan offers unlimited talk and texts, along with 10GB of 4G LTE data, for $40 a month for one line, with discounts when you add more lines.
- The Simply Unlimited Prepaid plan includes unlimited talk and texts, and unlimited 4G LTE data, for $50 a month for one line, again with discounts when you add more lines.
- Simply Unlimited Plus includes everything listed above for $60 per month for one line with the added benefit of 10GB of LTE hotspot and unlimited 3G hotspot.
- You can add talk, text, and 5GB of 4G LTE data coverage in Mexico and Canada to both plans for an extra $5 a month, and international calling for an extra $15 a month.
- Prepaid tablet, hotspot, and smartwatches plans can be added for as low as $10 a month for 2GB of LTE data per line, to $85 a month for 22GB of data.
Metro by T-Mobile
T-Mobile purchased MetroPCS a few years ago but recently decided to rebrand MetroPCS to more closely associate it with the main T-Mobile brand. The prepaid carrier is now called Metro by T-Mobile. It offers plans that use T-Mobile’s network and offer some extras on its plans that are similar in tone to the ones that its parent company provides. You can also get discounts on those plans if you add more than one line to the account.
Here’s a look at the plans that are currently offered with Metro by T-Mobile.
- There are two plans with limited 4G LTE data from Metro by T-Mobile. One costs $30 a month with unlimited talk, unlimited text, and 2GB of data. The other costs $40 and bumps up the data to 10GB.
- There’s a $50 Metro by T-Mobile unlimited data prepaid plan but your speeds may slow down if you go over 35GB a month. You also get 5GB of high-speed hotspot data a month, plus access to the Google One cloud storage plan that normally costs $1.99 a month.
- Finally, there’s the $60 a month prepaid plan, which has everything from the $50 plan, plus 15GB of high-speed hotspot data and a free Amazon Prime subscription that costs $12.99 a month.
- There’s also a standalone mobile hotspot prepaid plan, with prices starting at $35 a month for 10GB of data, all the way to $75 a month with $30 of data.
For a deeper look at all of the Metro by T-Mobile prepaid plans and promotions, you’ll want to visit our deal guide.
If you want to customize your prepaid plan to fit your exact needs, US Mobile is a solid choice. Not only are the plans flexible, but the carrier even lets you pause a line for $2 a month — perfect for those that travel to the US and want to maintain a number there, or simply for those times when you’re tight on money but don’t want to risk losing your number.
With US Mobile you can choose exactly how much talk, text, and data you need. Big talkers can get unlimited talk while having cheaper text or data plans. Don’t talk much? You can get the base talk package (50 minutes) for $2 a month, and focus your plan on texting and/or data.
At a glance, here’s what to expect from US Mobile:
- Plans begin at as low as $4 a month, but go up depending on your combination of data, text, and talk.
- Unlimited plans with prices ranging from $40 to $50 a month. There are two tiers — Fast (5Mbps) and Ludicrous (no limits).
- You can also add hotspot support for your unlimited plans for an extra $5.
- You choose between the biggest LTE network coverage (via Verizon) or the network with the broadest device compatibility (via T-Mobile).
We’ve gone into more detail about the US Mobile Prepaid plans in our comprehensive guide.
Google Fi is Google’s attempt at being an MVNO mobile carrier. It uses T-Mobile, Sprint, and US Cellular to provide a pretty decent coverage map. The service is compatible with most Android phones, and even iPhones. However, only a few handsets (like the Pixel family) support all of Google Fi’s features. All plans include access to cell coverage in more than 170 countries, Wi-Fi tethering, and more.
Here’s what you can expect when you sign up for Google Fi:
- The super-cheap Google Fi prepaid plan costs just $20 a month, with unlimited talk and text, but no data. You can add up to five additional lines for $15 a month each.
- When you use cellular data on Google Fi, it increases your costs, starting at $1 a month for each 100MB of data, or $10 a month for 1GB.
- After you use up 6GB of data before your billing period ends on Google Fi, the rest of your data is free under bill protection. That means your total maximum monthly costs for the first line is $80.
- That data ceiling goes up to 10GB if you add another line, 12GB if you add 2 lines, 14GB for 3 lines, 16GB for 4 lines, and 18 GB for 5 lines.
- New unlimited plan option: Pricing for the new Unlimited plan starts at $70 a month for one line, $60/line a month for two lines, $50/line a month for three lines, and $45/line a month for four to six lines. This plan comes with Google One membership.
Learn more about Google Fi plans and options by checking out our guide.
Ting, like US Mobile, places customization at the top of its priorities. You’ll only pay for what you use, and talk, text, and data reach a flat fee after a certain point. Each line costs just $6 per month for access, and then you add what you need for an extra sum.
Here’s how a Ting plan might work for you:
- My plan includes two lines, 1,000 shared minutes, 1,000 shared texts, and 5GB of data.
- All in, I would have to pay $85 a month and I’m not skimping on any access.
- If I switched to one line with no minutes or texts (I can live without them) and 3GB of data, the price comes down to $36 a month.
Ting may not always have the best deals once you get to higher usage levels, but it shows just how much you can do when you keep your limits low.
Consumer Cellular is designed with older subscribers in mind, but it’s still a good pick. You can only have three lines on a single plan, but the costs are low and there’s an AARP discount available. One of the most important protections that Consumer Cellular offers is international limits. You won’t have to worry about accidentally racking up roaming charges because you simply can’t go internationally.
Here are a few other important facts about Consumer Cellular:
- All plans include unlimited talk and text, though you can save money by switching to 250 minutes of talk.
- You can share up to 15GB between the three lines on your plan, or pay extra for unlimited access.
- AARP members can save up to 5% on monthly service.
- Nationwide coverage keeps you connected just about anywhere and usage alerts help you stay within your limits.
Other carriers to consider
If we tried to list off all of the prepaid plans you can pick from, we might be here all day. Every carrier in the world has an option that you can try, there are simply too many of them to list. They all have their own pros and cons, but you’ll have to do a little bit of digging to decide if any of them fits your needs.
Here are a few others to try:
Carrier vs unlocked phones
You might ponder whether to buy an unlocked phone to bring to a network, or to get one as part of your plan when you sign up. We can help you decide. In general, a carrier phone — also known as a locked phone — is sold through a wireless carrier or a third-party partner of that carrier (such as Best Buy, for example). When you buy the phone, it is already attached to your wireless account or will immediately attach it when you first set it up.
Carrier phones are almost always locked to that carrier; you can’t buy a phone through AT&T and then immediately take it to Verizon. This lockdown can be removed, but there are usually significant requirements involved. It also depends on the carrier, with Verizon being one of the few carriers that doesn’t lock its postpaid phones.
Unlocked phones are devices you buy without a carrier involved. This could be buying directly from the manufacturer or through a third-party retailer (such as Amazon). Unlocked phones usually come with no SIM card and no prerequisite to sign up with service for any particular carrier. As the name suggests, unlocked phones are not bound to any particular carrier, so you can feel free to bounce from one carrier to another as you see fit.
So, which is better? Well, a carrier-phone has three main advantages.
Firstly, you rarely have to pay for the phone in full up front as the carrier will let you split the cost of the phone across the length of your plan. In fact — and this is the second perk — on the best cell phone plans, you won’t have to pay the full retail price at all. Carriers know that it’s much more profitable to get you locked into an 18- or 24-month contract than to sell you a full-price phone. So you’ll regularly see carriers, especially the major players, offering deals when you switch that get you a $1,000 phone for half-price or less across the life of your plan.
Finally, there are some phones which you can only get as carrier phones. The LG V60 above is a great example. You might find it online unlocked somewhere, but only once it’s been through another party’s hands. LG doesn’t sell this phone unlocked yet and doesn’t appear to have any intention of doing so soon.
Interested in going the carrier route? Here’s a link to the best carrier-specific phones:
- Best Verizon phones | Best Verizon prepaid phones
- Best AT&T phones | Best AT&T prepaid phones
- Best T-Mobile phones | Best T-mobile prepaid phones
Prefer to go with a prepaid carrier? We have a list for that too:
- Best Google Fi phone
- Best Cricket phones
- Best US Cellular phones
- Best Mint Mobile phones
- Best Boost Mobile phones
- Best Straight Talk phones
Unlocked phones have the obvious benefit of freedom. Pay for them outright, but then you can do what you like with them. You can bring them to the prepaid plan of one carrier, then cut from it if the plan isn’t working for you and try another. You’re also not restricted to the phones that the carrier in question offers. Plus, you can buy a refurbished device to make significant savings. Some carriers have even caught on to the popularity of this approach and offer refurbished phones as options in their online stores.
But be warned, a disadvantage of buying unlocked is that certain phones don’t support specific network bands. This can be complicated for buyers who don’t know all about the differences between types of networks (CDMA vs GSM, for example) or which bands their carrier predominantly uses in their area. This can be especially confusing when importing devices from other countries. In general, you should do a lot of research on a device before buying it to make sure it will work the way you expect it to.
You can dive much further into the pros and cons of carrier vs unlocked phones in our expert analysis on the subject, but those are the key differences. If you’ve already decided that an unlocked device is the way you want to go, then our best phone deals hub is regularly updated on the best deals on unlocked phones from around the web. Also, be sure to check out our guide to the very best Android phones.