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Exhausted by the big three's limited options, perplexing billing, and exorbitant prices?
As the major wireless companies revel in their soaring profits and simultaneously unveil plans for yet more price increases, it's evident they've not fully grasped the demands of today's consumers.
With over a decade of experience in the wireless industry, I've witnessed firsthand the expanding gap between high costs and genuine value. However, the transition to a more affordable carrier is now easier than ever.
To spare you the exhaustive research, I've thoroughly reviewed 30 alternative carriers and over 100 prepaid phone plans.
To save you time, I have excluded carriers that:
- Only offer unlimited data plans
- Only advertise multi-line prices
- Have confusing phone bills with unexpected fees
- Lure customers with "free" phones
- Constantly try to upsell additional lines
- Bundle plans with unnecessary subscriptions
- Need loads of small print to explain their offers
- Want you to go to a store
- Need a commission-based salesperson
- Reward customer loyalty with increased prices
What might come as a surprise is the abundance of carriers still in the game, offering the same 5G & 4G LTE wireless networks at a fraction of the cost.
I've compiled a list of the best value 5G phone plans across all three major networks, whether you're a high, medium, or low data user.
Depending on your cell phone usage and preferred network, there are plenty of options for you to choose from.
Best 5G plans on T-Mobile
These are the top 3 plans from low-cost carriers with T-Mobile coverage to consider.
Cheap T-Mobile plan
Tello 2GB plan
- T-Mobile coverage
- Unlimited talk and text
- Instant eSIM activation
Tello phone plans keep things simple with their wireless service. None of those hidden fees or long-term contracts that'll leave you feeling trapped.
With free international calls to 60+ countries on all plans, including Canada and Mexico, and a range of data allowances suitable for light to heavy users. Check out our review about best 5g plans on T-Mobile.
Pros
- T-Mobile 5G & 4G LTE wireless coverage
- Free international calling to 60+ countries
- Free mobile hotspot included
- Excellent score on Trustpilot
- eSIM compatible
Cons
- No international roaming
- No multi-line discounts
- Not only are their plans affordable for all budgets, but you can build your own plan. Depending on your usage, you get to choose how much data, minutes, and texts you need, so you're not paying for stuff you don't use.
- It's always worth checking your data usage as a set data plan could save money and help restrict excessive phone usage.
- Mobile hotspot is available with a limit of 5 GB of data.
- Tello doesn't offer any discounts if you purchase multiple lines, so if you're looking to get a plan for another family member, each line is billed as a single line at full price. However, you can still save money due to the low cost of their individual plans.
- Being online-based means that activation of an eSIM plan can take just a few clicks, or you can have a SIM card mailed to you.
Best family plan on T-Mobile
Mint Mobile 15GB plan
- T-Mobile coverage
- Unlimited talk and text
- Instant eSIM activation
Mint Mobile phone plans are powered by the T-Mobile network, providing the same great service at a lower cost. They offer various data allowances, including an unlimited plan with 40GB of high-speed data and unlimited talk and text.
With Mint Mobile, their transparent messaging shows how you can save more money the longer you commit. Check out our review about best family plans on T-Mobile.
Pros
- T-Mobile 5G & 4G LTE wireless coverage
- Free calls to Mexico and Canada
- Free mobile hotspot with all plans
- eSIM compatible
Cons
- No international roaming
- Limited customer service
- 3-month minimum sign-up
- Mint Mobile offers mobile hotspot access with all of their plans. So you can use your phone to tether to tablets or other mobile devices, and the unlimited plan includes a 10 GB hotspot data limit.
- A minimum 3-month upfront commitment is required to subscribe. The longer commitment period means cheaper prices. Choose a 3, 6, or 12-month pricing structure available after initial commitment.
- If you're unsatisfied, Mint Mobile offers a 7-day money-back guarantee.
- You can bring your own device, so there's no need to buy an expensive iPhone. However, if you prefer a new smartphone, there are many options available, including iPhones, Samsung, and other Android models like Google Pixel, with a 0% finance over 1-2 years.
- With the Mint Mobile app, you can easily monitor your usage and manage multiple lines and plans.
- One downside is that international roaming is an additional cost, and although you get free calls to Canada and Mexico, other international countries are extra.
Best unlimited plan on T-Mobile
Tello unlimited data plan
- T-Mobile coverage
- Unlimited talk and text
- Instant eSIM activation
Tello phone plans keep things simple with their wireless service. None of those hidden fees or long-term contracts that'll leave you feeling trapped.
With free international calls to 60+ countries on all plans, including Canada and Mexico, and a range of data allowances suitable for light to heavy users. Check out our review about best unlimited data plans on T-Mobile.
Pros
- T-Mobile 5G & 4G LTE wireless coverage
- Free international calling to 60+ countries
- Free mobile hotspot included
- Excellent score on Trustpilot
- eSIM compatible
Cons
- No international roaming
- No multi-line discounts
The table below demonstrates that choosing the Tello unlimited data plan would save you $600 per year compared to buying an unlimited data plan from T-Mobile directly.
| T-Mobile | T-Mobile coverage at a fraction of the cost | ||
|---|---|---|---|
|
|
*$45 for 3 Months
|
|
| T-Mobile 4G & 5G | T-Mobile 4G & 5G | T-Mobile 4G & 5G | |
| Unlimited data *not unlimited | 2GB data | 15GB data | Unlimited data |
| $75/mo | $10/mo | $15/mo* | $25/mo |
| $900/yr | $120/yr | $225/yr | $300/yr |
| 1.4 on Trustpilot | 4.5 on Trustpilot | 3.3 on Trustpilot | 4.5 on Trustpilot |
| Annual savings | $780/yr | $675/yr | $600/yr |
Best 5G plans on Verizon
These are the top 3 plans from low-cost carriers with Verizon coverage to consider.
Cheap Verizon plan
Twigby Mobile 2GB plan
- Verizon coverage
- Unlimited talk and text
- Instant eSIM activation
Twigby Mobile phone plans give you the option to customize your plan and only pay for what you need. They have a range of affordable no-contract plans that are powered by the Verizon network, so you don't have to sacrifice quality for flexibility.
Plus, if you have loved ones abroad, Twigby Mobile offers free international calling to 80 countries. Check out our review about best 5g plans on Verizon.
Pros
- Verizon 5G & 4G LTE wireless coverage
- Free international calls to 80+ countries
- eSIM compatible
- Free mobile hotspot access
- Excellent score on Trustpilot
Cons
- No multi-line discounts
- No International roaming
- Offering a selection of customizable wireless plans with a range of data options, with Twigby Mobile, you can create plans, whatever your needs and budget.
- Twigby Mobile provides free international calling to 80 different countries, ideal for those with family or friends living abroad.
- Being 100% online based, you can purchase your plan from home, and your SIM card will be sent in the mail.
- Mobile hotspot allowance is available and comes out of your monthly data usage, which for unlimited plans is a maximum of 20GB.
- Twigby Mobile doesn't offer multi-line discounts, so if you're looking for more than one line, they may not be the low-cost carrier for you.
- There are no international roaming services, which may not be ideal for frequent travelers as it could result in a significantly higher monthly bill.
Best family plan on Verizon
Red Pocket 10GB plan
- Verizon coverage
- Unlimited talk and text
- Instant eSIM activation
Red Pocket Mobile phone plans are powered by the Verizon and AT&T wireless networks. And if you're looking for multi-line discounts, they're one of the best MVNOs for family plans, with a $20 discount for each additional line added.
You also get free international calls to 80 countries, so you can stay connected with loved ones abroad. Check out our review about best family plans on Verizon.
Pros
- Verizon, and AT&T 5G & 4G LTE network coverage
- Free international calls to 80 countries
- Roaming available in Mexico and Canada
- Mobile hotspot access on all plans
- Excellent score on Trustpilot
- eSIM compatible
Cons
- Limited international roaming
- With Red Pocket Mobile, not only are their plans straightforward with no hidden fees, but they also offer features like unlimited talk and text.
- Get up to 30GB high-speed data allowance with the unlimited plan.
- Mobile hotspot access is available up to 30GB on the unlimited plan, which comes out of your monthly data allowance.
- Being able to save on the whole family's bill is a benefit. You get a $20 discount for each additional line added. You'll need to pay a setup fee, but after that, choosing a family plan could save you hundreds of dollars a year.
- They offer a 7-day money-back guarantee with their eSIM plans.
- Red Pocket Mobile offers free international calling to 80+ countries, with free roaming in Mexico and Canada.
Best unlimited plan on Verizon
Visible unlimited data plan
- Verizon coverage
- Unlimited talk and text
- Instant eSIM activation
Check out our review about best unlimited data plans on Verizon.
Pros
- Great pricing
- Unlimited talk, text, and data
- Taxes & fees included in price
- User-friendly website
Cons
- Only 2 plan choices
- Data speed is capped at 5 Mbps
- Limited phone compatibility
- App-based service
The table below demonstrates that choosing the Visible unlimited data plan would save you $600 per year compared to buying an unlimited data plan from Verizon directly.
| Verizon | Verizon coverage at a fraction of the cost | ||
|---|---|---|---|
|
*$5/mo for 1st 3 Mths
|
|
|
| Verizon 4G & 5G | Verizon, AT&T & T-Mobile 4G & 5G | Verizon 4G & 5G | |
| Unlimited data *not unlimited | 2GB data | 10GB data | Unlimited data |
| $75/mo | $5/mo* | $20/mo | $25/mo |
| $900/yr | $150/yr | $240/yr | $300/yr |
| 1.2 on Trustpilot | 4.6 on Trustpilot | 4.4 on Trustpilot | 1.5 on Trustpilot |
| Annual savings | $750/yr | $660/yr | $600/yr |
Best 5G plans on AT&T
These are the top 3 plans from low-cost carriers with AT&T coverage to consider.
Cheap AT&T plan
Red Pocket 1GB plan
- AT&T coverage
- Unlimited talk and text
- Instant eSIM activation
Red Pocket Mobile phone plans are powered by the Verizon and AT&T wireless networks. And if you're looking for multi-line discounts, they're one of the best MVNOs for family plans, with a $20 discount for each additional line added.
You also get free international calls to 80 countries, so you can stay connected with loved ones abroad. Check out our review about best 5g plans on AT&T.
Pros
- Verizon, and AT&T 5G & 4G LTE network coverage
- Free international calls to 80 countries
- Roaming available in Mexico and Canada
- Mobile hotspot access on all plans
- Excellent score on Trustpilot
- eSIM compatible
Cons
- Limited international roaming
Best family plan on AT&T
Red Pocket 10GB plan
- AT&T coverage
- Unlimited talk and text
- Instant eSIM activation
Red Pocket Mobile phone plans are powered by the Verizon and AT&T wireless networks. And if you're looking for multi-line discounts, they're one of the best MVNOs for family plans, with a $20 discount for each additional line added.
You also get free international calls to 80 countries, so you can stay connected with loved ones abroad. Check out our review about best family plans on AT&T.
Pros
- Verizon, and AT&T 5G & 4G LTE network coverage
- Free international calls to 80 countries
- Roaming available in Mexico and Canada
- Mobile hotspot access on all plans
- Excellent score on Trustpilot
- eSIM compatible
Cons
- Limited international roaming
Best unlimited plan on AT&T
Red Pocket unlimited data plan
- AT&T coverage
- Unlimited talk and text
- Instant eSIM activation
Red Pocket Mobile phone plans are powered by the Verizon and AT&T wireless networks. And if you're looking for multi-line discounts, they're one of the best MVNOs for family plans, with a $20 discount for each additional line added.
You also get free international calls to 80 countries, so you can stay connected with loved ones abroad. Check out our review about best unlimited data plans on AT&T.
Pros
- Verizon, and AT&T 5G & 4G LTE network coverage
- Free international calls to 80 countries
- Roaming available in Mexico and Canada
- Mobile hotspot access on all plans
- Excellent score on Trustpilot
- eSIM compatible
Cons
- Limited international roaming
The table below demonstrates that choosing the Red Pocket unlimited data plan would save you $540 per year compared to buying an unlimited data plan from AT&T directly.
| AT&T | AT&T coverage at a fraction of the cost | ||
|---|---|---|---|
|
|
|
|
| Verizon, AT&T & T-Mobile 4G & 5G | Verizon, AT&T & T-Mobile 4G & 5G | Verizon, AT&T & T-Mobile 4G & 5G | |
| Unlimited data *not unlimited | 1GB data | 10GB data | Unlimited data |
| $75/mo | $10/mo | $20/mo | $30/mo |
| $900/yr | $120/yr | $240/yr | $360/yr |
| 1.3 on Trustpilot | 4.4 on Trustpilot | 4.4 on Trustpilot | 4.4 on Trustpilot |
| Annual savings | $780/yr | $660/yr | $540/yr |
Best overall value 5G plan
Tello unlimited data plan
- T-Mobile coverage
- Unlimited talk and text
- Instant eSIM activation
Tello phone plans keep things simple with their wireless service. None of those hidden fees or long-term contracts that'll leave you feeling trapped.
With free international calls to 60+ countries on all plans, including Canada and Mexico, and a range of data allowances suitable for light to heavy users. Check out our review about the cheapest 5g phone plans.
Pros
- T-Mobile 5G & 4G LTE wireless coverage
- Free international calling to 60+ countries
- Free mobile hotspot included
- Excellent score on Trustpilot
- eSIM compatible
Cons
- No international roaming
- No multi-line discounts
Big wireless: Big prices, big profits, little value
The average phone bill is $155 per month, and while 38 million Americans live in poverty, the government cut funding to the Affordable Connectivity Program, which was assisting 22 million low-income families with subsidized internet and cell phone service.
At the same time, the big three spent January celebrating record profits and multi-billion dollar shareholder dividend payouts while simultaneously announcing yet more price hikes.
So, big wireless continues to raise prices, and the government drops assistance to those in need. However, you do have options, so the power is in your hands.
Take back control of your phone bill
A big wireless unlimited plan will cost you $1,600 extra over the next 3 years compared to getting the same service from an MVNO.
A big wireless unlimited data plan will cost you $2,700 over the next 3 years for just 1 line. In comparison, unlimited plans from a low-cost carrier over the same period would cost only $900.
So, buying directly from Verizon, T-Mobile, or AT&T is now 3 times more expensive for the same coverage. This does not include fees and taxes or future price hikes.
Why is it so much more expensive to buy the same service directly?
With big wireless, you are paying for multi-billion dollar ad campaigns, stadium sponsorships, and thousands of stores with commission-based salespeople - all these expenses get passed onto you to maximize profits and dividend payouts.
With this next generation of MVNOs, you switch online and just pay for phone service.
Cut your phone bill, not your coverage
These low-cost carriers offer a great alternative with transparent pricing, a range of data plans to customize to your needs, and more highly rated customer service.
You can keep your phone, number, coverage, and most importantly, your money!
Even better, it's quick and easy. You can complete the entire switching process online in minutes with an eSIM-compatible phone.
So, now is the time to re-evaluate your options, take back control of your phone bill, and free yourself from price hikes forever!
Compare the cheapest 5G cell phone plans
| Carrier | Data | Monthly Price | Annual Price | Savings | |
|---|---|---|---|---|---|
| Tello | 2GB | $10/mo | $120/yr | $780/yr | See at Tello |
| Mint Mobile | 15GB | $15/mo* |
$225/yr | $675/yr | See at Mint Mobile
*$45 for 3 Months
|
| Tello | Unlimited | $25/mo | $300/yr | $600/yr | See at Tello |
| Carrier | Data | Monthly Price | Annual Price | Savings | |
|---|---|---|---|---|---|
| Twigby Mobile | 2GB | $5/mo* |
$150/yr | $750/yr | See at Twigby Mobile
*$5/mo for 1st 3 Mths
|
| Red Pocket | 10GB | $20/mo | $240/yr | $660/yr | See at Red Pocket |
| Visible | Unlimited | $25/mo | $300/yr | $600/yr | See at Visible |
| Carrier | Data | Monthly Price | Annual Price | Savings | |
|---|---|---|---|---|---|
| Red Pocket | 1GB | $10/mo | $120/yr | $780/yr | See at Red Pocket |
| Red Pocket | 10GB | $20/mo | $240/yr | $660/yr | See at Red Pocket |
| Red Pocket | Unlimited | $30/mo | $360/yr | $540/yr | See at Red Pocket |
Check out our 5G cell phone comparison to help find the best deal.
How to choose the best value carrier for 5G plans
What network coverage do you prefer?
For those eager to harness the speed of 5G, network coverage is paramount. Most low-cost carriers now offer access to the same 5G & 4G LTE wireless networks. According to an Opensignal 5G Experience Report (2023), T-Mobile leads in 5G coverage, but you can choose an MVNO on your preferred network for peace of mind.
How much data do you need?
The allure of unlimited data plans is strong, especially with the data-intensive applications that 5G enables. However, consider your actual usage patterns. With widespread Wi-Fi access, your on-network data use might be less than you think. In fact, according to this report, the average monthly cellular data use is around 10GB.
Is hotspot data included?
While most carriers support hotspot usage, the data allowance can vary significantly. Some also provide dedicated data-only plans, perfect for those times when Wi-Fi is out of reach, but you still need a fast connection for your laptop or tablet.
What's the monthly price?
While unlimited plans from the big three might hover around $75-90 per month, the best MVNOs are breaking the mold with budget-friendly 5G plans starting from $5-35 per month. Always check for hidden fees and taxes to ensure you're getting the best deal.
How many lines do you need?
Contrary to the big wireless approach of offering the best prices for multiple lines, MVNOs provide transparent, competitive pricing even for single lines. This is ideal for individuals or families needing flexibility without the commitment to multiple lines, though many affordable carriers also offer discounts for adding more lines.
Can I bring my own phone or buy a new device?
MVNOs encourage you to bring your own device as long as it is 5G-compatible. If you need to purchase a new 5G phone, many MVNOs offer affordable options with flexible financing.
Are there any deals or promotions?
While big carrier promotions might catch your eye, they often come with unwelcome strings attached. In contrast, many MVNOs offer straightforward, transparent promotional pricing for new customers, making it easier to understand exactly what you're getting and how much you're saving.
What perks or add ons can I expect?
Be cautious of "free" perks included in some big wireless plans, as they often lead to unexpected costs. Some low-cost carriers offer add-ons, but it's wise to evaluate whether you really need them or if they're just an additional cost.
Is international calling included?
Many MVNOs include this feature, allowing you to stay in touch with friends and family abroad without additional charges.
Are there parental controls?
If you're buying 5G plans for the whole family, including your kids, some MVNOs offer features that help manage and monitor usage, ensuring children and teenagers can safely and responsibly enjoy the benefits of 5G connectivity.
Check out our cell phone plan comparison to ensure you find the best deal.
Find the best phone service in your area
5G phone plans FAQs
T-Mobile currently has the best 5G coverage, with AT&T second and Verizon in third. So, T-Mobile MVNOs can offer you cheap 5G phone plans, but it's important to check you have T-Mobile coverage in your area.
The cheapest 5G plans are with low-cost carriers like Mint Mobile and US Mobile. Operating on the same major US networks, you'll get access to their 5G coverage, where it's available.
As long as your phone was made within the last few years, it should support 5G. If you're unsure, you can go into your phone's settings and check under Mobile Network > Preferred Network Type, and if it's compatible, you'll see 5G as an option.
Recap: What is the best 5G cell phone plan?
Big three are signaling their plans to continue escalating prices, a move seemingly aimed more at boosting their profits in a competitive market than at responding to any real economic pressures.
Amid rising living costs, with little relief in sight for everyday expenses like fuel or groceries, there's good news if you're seeking a 5G cell phone plan.
Before you commit to your next cell phone plan, check out our cell phone comparison to help you find a plan that could save you up to $600 per year per line while keeping you connected to your favorite network.
Phone plan guides
- Best Cell Phone Plans
- Best Prepaid Phone Plans
- Best Unlimited Data Plans
- The 10 Best MVNOs
- Best Phone Plans for One
- Best Cell Phone Plans for Two
- Best Cell Phone Plans for Kids
- Best Cell Phone Plans for Seniors
- Best Cell Phone Plans for Students
- Best Bring Your Own Phone Plans
- Best 5G Cell Phone Plans
- Best Talk & Text Plans
How we choose the best carriers and plans
To select the best carriers and plans, MoneySavingPro's team of experts evaluated over 30 different carriers.
Carriers were rated in five categories, with a star rating from 1-5, with 5 stars being the best. We then calculate the overall star rating using the five categories:
- Value for money: We compare carriers based on price, features, benefits, and promotions. It's not just about the lowest price but getting the most bang for your buck.
- Coverage: We look at network 5G and 4G LTE coverage across the US. We use coverage maps to determine service availability and data speeds in urban, suburban, and rural locations.
- Customer experience: We take into account items such as current user experience, website and app usability, ease of switching, and customer service in terms of availability, channels, and satisfaction ratings.
- Transparency: We assess whether carrier pricing is clear and straightforward. We examine the fine print to check for hidden fees, confusing terms or conditions, and misleading offers to ensure upfront, honest prices and advertising.
- Range of choice: We evaluate the diversity of plan options to determine if they fit the individual needs of all customers.
Read more about our carrier ratings methodology and our editorial process.
We regularly update our comparisons. Updating cell phone plans weekly and our content monthly to ensure we are showing the latest and most accurate information.
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