T-Mobile Cell Phone Plans Review

If you’re looking for fast speeds and unlimited plan prices with no gotchas, T-Mobile is a clear winner. But its spotty coverage in rural areas keeps it from a full 5 stars.
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If you’re looking for fast speeds and unlimited plan prices with no gotchas, T-Mobile is a clear winner. But its spotty coverage in rural areas keeps it from a full 5 stars.
Overall Rating 4 out of 5
Straightforward plans and pricing
Great ratings for 4G speed
50 GB of data each month
Lacking coverage in rural areas

T-Mobile Cell Phone Plans Review

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All the catchy commercials aside, why should you choose T-Mobile?

The answer is simple: if you can’t stand phone plans covered in gotchas and fine print, the T-Mobile ONE unlimited plan offers refreshingly up-front pricing.

Those T-Mobile ONE prices include taxes and fees and still fall in the middle of the pack of the top four cellphone providers. And though its coverage doesn’t match up to Verizon in rural areas, we think transparent pricing and high ratings for 4G speed make T-Mobile a great choice for city dwellers.

How T-Mobile unlimited plan prices compare*

Carrier1 line2 lines3 lines4 linesLearn more
T-Mobile**$70–$80/mo.$120–$140/mo.$140–$170/mo.$160–$200/mo.View plans
Verizon$75–$95/mo.$130–$180/mo.$150–$210/mo.$160–$240/mo.View plans
Sprint$60/mo.$100/mo.$100/mo.***$100/mo.***View plans
AT&T$70–$80/mo.$125–$150/mo.$145–$170/mo.$160–$190/mo.View plans

* Prices include autopay, paperless billing, and multi-line discounts where applicable.
** T-Mobile prices include taxes and fees.
*** Sprint offers savings for 3–5 lines through 6/30/19.

How much is T-Mobile? Depends on the plan.

The T-Mobile ONE plan comes with no frills, no confusing caveats, and advertised prices that include taxes and fees. Now that’s refreshing.

It’s hard to find a straightforward cell phone plan out there, but we think T-Mobile ONE comes the closest. It’s not every day you find a company that advertises its prices with taxes and fees included, but T-Mobile does.

While T-Mobile also offers prepaid plans and plans with no credit checks, the ONE unlimited data plan is its bread and butter, and its ONE Plus upgrade adds additional perks.

Here’s a quick glance at how much T-Mobile ONE and ONE Plus cost.

How much does the T-Mobile unlimited data plan cost?

Number of lines*T-Mobile ONE**T-Mobile ONE Plus**Learn more
1 line$70/mo.$80/mo.View plans
2 lines$120/mo.$140/mo.View plans
3 lines$140/mo.$170/mo.View plans
4 lines$160/mo.$200/mo.View plans
5 lines$180/mo.$230/mo.View plans

* Up to 12 lines available
** Prices include taxes and fees plus autopay, paperless billing, and multi-line discounts where applicable.

Compare that to, say, Verizon, which offers up three different tiers of unlimited plans. You’ll have to read closely to find out what you get with each Verizon unlimited plan, but the T-Mobile ONE plan standardizes all those essential features—like 50 GB of unthrottled data each month, a 3G mobile hotspot, and streaming at 480p.

And the ONE Plus plan simply comes with more fun—but not essential—features, so you won’t need to decide whether price or a higher unthrottled data cap is more important. (Hey Verizon, are you taking notes?)

T-Mobile unlimited plan features

T-Mobile ONE vs. T-Mobile ONE Plus perks

FeaturesT-Mobile ONET-Mobile ONE Plus
Netflix (for plans with 2+ lines)YesYes
Video streaming quality480p 1080p
In-flight texting and data (on Gogo®-enabled flights)In-flight texting and 1 hour of dataIn-flight texting and unlimited in-flight Wi-Fi
Mobile hotspot3G3G data plus 10 GB of 4G LTE data
Texting and data (in 210+ countries)YesYes
Unlimited talk and text in Canada and MexicoYes plus up to 5 GB of 4G dataYes plus up to 5 GB of 4G data
Voicemail to textNoYes
Unknown caller IDNoYes
View planView plan

T-Mobile ONE highlights

  • Netflix included if your plan has two or more lines. Bring on the popcorn!
  • Texting and data in 140+ countries and unlimited talk and text plus up to 5 GB of 4G data in Mexico and Canada. Now you can look up directions even when the street signs aren’t in English. (Trust us, this is a real necessity in places like Japan.)
  • 3G mobile hotspot data included, because you never know when you’ll need a hotspot. (They come in real handy when your home internet goes dark and you’re down to the wire on work that needs an internet connection.)

T-Mobile ONE Plus highlights

  • Add unlimited in-flight Wi-Fi on those Gogo®-enabled flights, then sink into your neck pillow and watch what you want to watch for the rest of the flight—without paying $7 each hour.
  • Don’t have a minute to listen to garbled messages? Get your voicemails translated into text instead.
  • And this one might just be our favorite: T-Mobile will screen your phone calls for you by identifying who’s calling from an unknown number. Oh look, a call from out of state? Just say nope.

Add on extras

  • Want to add your tablet or Apple Watch to your data plan? No problem.
  • Wearables: $10 per line per month. Comes with unlimited talk, text, and data with up to 3G speeds.
  • Tablets: $20 per line per month. Comes with unlimited data, texting, and 3G tethering.
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T-Mobile international coverage

If you’re a frequent flyer, you may just fall in love with perks of the T-Mobile ONE Plus International plan. Find out whether this is the best plan for your adventures abroad in our Best of International Plans review.

Compared to other top four wireless providers, T-Mobile isn’t afraid to sweeten the deal with the ONE plan. While video streaming comes in at a baseline of 480p like its competitors, T-Mobile edges into the lead with perks like no speed throttling until you’ve used 50 GB of data in a billing cycle. Yes, you heard us right: 50 gigs. And AT&T, Sprint, and Verizon don’t even come close—they’ll slow you down at 22 or 23 GB.

It also tacks on 3G mobile hotspot data, while AT&T doesn’t even offer a mobile hotspot unless you upgrade to its pricier Unlimited Plus Enhanced plan.

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Looking for prepaid plans?

T-Mobile offers those too. See how T-Mobile stacks up in our Best of Prepaid Plans review.

T-Mobile cellphones and devices

Pick a phone, any phone, including iPhones and Samsungs. But no Google phones. Womp womp.

T-Mobile has a pretty big lineup of both iPhones and Samsungs—including older models if the price of a just-released phone makes you queasy. But if you’re a Google fan, you may want to look into bringing your own phone.

Which top phones does T-Mobile have?

MakeModels availableLearn more
iPhoneiPhone X, iPhone 8 / 8 Plus, iPhone 7 / 7 Plus, iPhone SEView prices
SamsungGalaxy S9 / S9+, Galaxy S8, Galaxy Note8View prices
GoogleAvailable only through Bring Your Own Device programCheck compatibility

Be ready to share your credit score—even average credit means you’ll most likely need to fork over a down payment on your phone along with monthly payments. This seems fairly common with other top four cellphone service providers, although we didn’t get asked about our credit when we signed up for Verizon.

If you prefer to skip the credit check, you can—just be aware you’ll need to pay the full retail price of your new phone right then and there.

How good is T-Mobile performance?

T-Mobile doesn’t lead the pack for coverage in rural areas, but overall it gets good ratings in coverage reviews. And it’s pretty much neck and neck with Verizon for 4G speed.

Source: T-Mobile

Turns out, T-Mobile has some pretty great rankings for coverage—we’d say it comes third, just behind AT&T.1, 2 If you want to be sure your area is covered, check out T-Mobile’s interactive coverage map.

OK, so coverage is good, but how fast is T-Mobile 4G really? We think T-Mobile deserves second place out of the top four wireless providers for its zippy speeds and high ratings in the latest studies.3, 4, 5, 6

T-Mobile customer service—what’s the deal?

The wireless industry as a whole has issues with customer service, but T-Mobile is trying to change that.

Talk to a T-Mobile customer, and you’ll probably hear a mix of stories about customer service, both good and bad.

We’ve had great experiences with in-store customer service in the past. Long story short, we ordered a phone from the T-Mobile site and it was stolen before it even arrived on our doorstep.

Thankfully, the in-store representative walked us through what to do and how to get a replacement phone, and they remained understanding and helpful even though we showed up right at closing time.

Visit your local T-Mobile store for a better experience.

However, when we later noticed the stolen phone was activated and we started receiving a bill for it, we had to contact the call center several times to cancel the service and zero out the bill. Moral of the story? Visit your local T-Mobile store for a better experience.

If you prefer to avoid phone calls and trips to the store, we feel you. You can make contact with T-Mobile and ask questions on social media. Prepare the hashtags.

We hope T-Mobile will continue to improve on its customer service and keep pushing out transparent, easily understandable pricing plans. Because being able to understand what you’ll owe each month is important.

Recap—how is T-Mobile service?

Here’s the TL;DR for how T-Mobile ranks.

  • Plans: T-Mobile offers only one aptly named unlimited plan: T-Mobile ONE. But you can add on features for $10 more per month with ONE Plus. Overall, we’re pleased that T-Mobile ONE is easy to understand—and that the advertised price included taxes and fees. Oh, and there’s no activation fee.
  • Performance: If you live in a city, you’ll probably have no problems with coverage, but if you live in a rural or suburban area, it might be hit or miss. And we think T-Mobile deserves a silver medal for speed.
  • Customer service: Odds are, you’ll be well taken care of by T-Mobile’s customer service team. We personally found in-person interactions to be really helpful—the call center, not so much.
  • Overall: If the T-Mobile ONE or prepaid plans match your needs, we think it’s a great pick. It won’t cost you as much as Verizon, although you might run into coverage issues depending on where you live.

FAQs

Q: Does T-Mobile have overage charges?

Can we just say that T-Mobile ONE’s soft data cap of 50 GB each month feels oh-so generous? This means you won’t pay overage charges or get your data speed throttled until you’ve used up more than 50 GB of data in a billing cycle.

Who uses more than 50 GB in a billing cycle? Streamers, Instagram stars, maybe us. (But we’ll never admit it.)

Q: Does T-Mobile have an activation fee?

No activation fees here, unless you activate a classic plan or a line in Puerto Rico. This means you save $30 or $45 compared to Verizon’s, Sprint’s, or AT&T’s one-time activation fee. That’s money you now get to spend on pizza. Or doughnuts.

Q: Should I get the T-Mobile protection plan?

Have a tendency to toss your phone off a cliff? Drop it in the shower with the water running? Watch as it slams into the pavement like a slow-motion action sequence? You’re not alone. (We should add that all of these have happened to us. Yes, even the cliff story.)

First off, we recommend grabbing a case and screen protection on Amazon. But if you’re still concerned about damage to your phone, one of T-Mobile’s protection plans should do the trick.

T-Mobile’s protection plans aren’t as easy to understand as, say, Verizon’s, so we recommend checking out its site for a full comparison.

Q: Does T-Mobile let you bring your own phone?

You bet. In fact, if you’re switching to T-Mobile from another carrier, you can bring your phone with you. T-Mobile will even sweeten the deal by paying off up to $650 of the remaining balance if you’re currently on a device payment plan that’s been in good standing for at least 90 days. To find out if you’re eligible for this deal, we recommend checking out T-Mobile’s FAQs.

All T-Mobile asks is that your phone is unlocked and you grab a T-Mobile SIM card. Easy peasy. Check out its bring your own device program to get the full details.

Q: Can I keep my phone number?

Don’t worry—your mom doesn’t need to memorize your new phone number if she wants to call and chat. Chances are more than good you can transfer your old phone number to T-Mobile.

If you want to be doubly sure, you can even check if your number can be transferred online.

Heads Up icon

Heads up

Don’t cancel your account or toss your old phone before you transfer your number to T-Mobile. While you may be ready to cut ties, keeping your service until the transfer is complete helps make your transition smoother.

Q: What are T-Mobile’s return policy and cancellation fee?

The sooner you decide you want to return your phone to T-Mobile, the better. Depending on where you bought your device (in a store, over the phone, or online), you’ve got a different set of rules to work with.

We recommend taking a look at the T-Mobile return policy to make sure you don’t run into issues.

The same goes for T-Mobile’s early termination fee—there’s a lot of lingo in there that can make it difficult to understand. You can read up on it in the early termination fee guide.

Q: Does T-Mobile give discounts?

Yeah-huh. T-Mobile has discounts for active duty military, veterans, and their families, as well as discounts for anyone aged 55 and older.

T-Mobile military discount

  • Get 50% off lines 2–6 on the T-Mobile ONE plan (with autopay).
  • Available to active duty, veterans, National Guard, Reserve, and Gold Star family members.
  • You’ll need to verify your military status within 45 days to stay eligible for the  military discount.

T-Mobile Unlimited 55+ discount

  • Get two lines for $75 per month (or $55 per month for one line)—this includes unlimited talk, text, and LTE data.
  • Available to anyone age 55 and older.
  • Only the primary account holder needs to be 55 or older—your account buddy can be younger. You’ll need to send T-Mobile proof of your age too.