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Fed up with being tethered by contracts, baffling fees, and skyrocketing prices from the big three?
As they rake in unprecedented profits and hint at more price increases, it's clear they've overlooked a crucial fact: today's consumers are more empowered than ever.
Drawing from a decade of insider experience in the telecom industry, I've witnessed the disparity in costs firsthand. However, the journey to a more liberating mobile experience, free from the shackles of contracts, has never been more straightforward.
I've meticulously evaluated 30 alternative carriers and over 100 no-contract phone plans to spare you the deep dive.
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 robust selection of carriers still in play. They offer service on the same high-quality networks you've become accustomed to but without the hefty price tag.
Choosing the right plan is about aligning with your usage habits and network preferences. That's why I've compiled the most cost-effective, best value no contract phone plans across all usage levels and networks.
Additionally, I've highlighted what I see as the pinnacle of value in the no contract plan arena, though the ultimate choice remains yours!
Best no contract 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 no contract 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 no contract 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 no contract 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 $725 per year compared to buying an unlimited data plan from Verizon directly.
| Verizon | Verizon coverage at a fraction of the cost | ||
|---|---|---|---|
 |  |  *50% off 1st Mth |  *$5 Off for 25 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* | $10/mo* | $20/mo* |
| $900/yr | $150/yr | $230/yr | $240/yr |
| 1.2 on Trustpilot | 4.6 on Trustpilot | 4.4 on Trustpilot | 1.5 on Trustpilot |
| Annual savings | $750/yr | $670/yr | $725/yr |
Best no contract 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 no contract 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 $555 per year compared to buying an unlimited data plan from AT&T directly.
| AT&T | AT&T coverage at a fraction of the cost | ||
|---|---|---|---|
 | | *50% off 1st Mth | *50% off 1st Mth |
| 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 | $10/mo* | $15/mo* |
| $900/yr | $120/yr | $230/yr | $345/yr |
| 1.3 on Trustpilot | 4.4 on Trustpilot | 4.4 on Trustpilot | 4.4 on Trustpilot |
| Annual savings | $780/yr | $670/yr | $555/yr |
Best overall no contract phone 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 no contract cell 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
With the average phone bill of $155 per month and the prices of other basic needs rising, it's no wonder nearly 38 million Americans are living in poverty. The government's recent response? To cut funding to the Affordable Connectivity Program (ACP), which helps 22 million low-income families access affordable internet and cell phone service.
At the same time, the big three spent January celebrating record profits and multi-billion dollar shareholder dividend payouts. To add insult to injury, they are simultaneously announcing yet more price hikes. With consumers outnumbering shareholders, the math doesn't add up.
Awareness is power - there are other 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.
An unlimited data plan with a major provider 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 plans 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?
Big wireless companies tack their extra expenses onto your bill.
Essentially, you are paying for multi-billion dollar ad campaigns, stadium sponsorships, and thousands of stores with commission-based salespeople - all these costs are passed onto the many to maximize profits and dividend payouts of the few.
With the next generation of MVNOs, you instantly switch online and simply pay for phone service - none of the extras.
Cut your phone bill, not your coverage
Low-cost carriers are an unbeatable alternative. They offer transparent pricing, a wide range of customizable data plans to fit your needs, and higher-rated customer service experiences.
The best news? Keep your phone, number, coverage, and most importantly, your money!
It's quick and easy. You can complete the entire switching process online in minutes with an eSIM-compatible phone.
Now is the time to reevaluate your options and take back control of your phone bill. Free yourself from price hikes forever!
Compare the cheapest no contract 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 | $10/mo* | $230/yr | $670/yr | See at Red Pocket *50% off 1st Mth |
| Visible | Unlimited | $20/mo* | $240/yr | $725/yr | See at Visible *$5 Off for 25 Mths |
| Carrier | Data | Monthly Price | Annual Price | Savings | |
|---|---|---|---|---|---|
| Red Pocket | 1GB | $10/mo | $120/yr | $780/yr | See at Red Pocket |
| Red Pocket | 10GB | $10/mo* | $230/yr | $670/yr | See at Red Pocket *50% off 1st Mth |
| Red Pocket | Unlimited | $15/mo* | $345/yr | $555/yr | See at Red Pocket *50% off 1st Mth |
Check out our no contract cell phone plans comparison to find the best deal.
How to choose the best value no contract carrier
- Seeking a network that adapts to your pace? Dependable coverage is essential wherever you are. Luckily, there are cost-effective carriers that access the same vast 5G and 4G LTE networks as the industry behemoths. The latest Opensignal 5G Experience Report (2023) may spotlight T-Mobile for its expansive 5G coverage, but choosing any MVNO allows you the freedom of network choice without sacrificing quality.
- Wondering about your actual data needs? You might be surprised to learn your actual data usage is quite modest, courtesy of home Wi-Fi and public networks. In fact, the average monthly cellular data usage is 10GB. Budget-friendly, no-contract carriers craft plans that truly fit your usage, debunking the myth that more data is always better.
- Is the ability to tether a necessity for you? For those who check work emails or stream playlists on the move, hotspot capability is not a luxury. Rest assured, this feature is usually standard, though the specifics may differ by plan and provider.
- Worried about costs? While traditional plans might see costs skyrocketing to $75 or even $90, savvy shoppers can find no-contract MVNO deals ranging from $5 to $35 per line, ensuring significant savings without cutting corners on quality.
- Considering how many lines are needed? Ditch the restrictive multi-line deals of major carriers. MVNOs offer the flexibility of single-line pricing with the added advantage of multi-line discounts, making it easier to keep your world connected affordably.
- Thinking about your device options? I understand the importance of economizing. MVNOs allow you to bring your existing device, freeing you from the cycle of endless upgrades with big wireless. And if it's time for a new device, there are affordable options with 0% financing available.
- Searching for straightforward deals or promotions? Avoid the often misleading and complex "deals" from the major players. MVNOs offer clear, straightforward promotions, so you understand exactly what you're getting - no hidden surprises.
- What about those extra perks or services? The appeal of "free" subscriptions or trials can be enticing, but it's crucial to assess whether these benefits truly enhance your lifestyle or just clutter your bill. Select perks that genuinely match your needs, avoiding needless costs.
- Need international calling in your plan? Staying connected with family and friends around the globe is important. Many no-contract MVNOs include international calling to a variety of countries, making global communication easier for everyone.
- Is parental control a key factor? Monitor and manage your children's cell phone usage. Track and limit their access as needed. Utilize this feature using the plan choice or adjust the settings of your mobile device.
Find the best phone service in your area
No contract phone plan FAQs
Amend or cancel your plan at any time. So, if your usage or budget changes, so can your plan.
Most MVNOs have no contract plans. However, some carriers like Mint Mobile require you to sign up for a minimum term of 3 months at a time.
Absolutely. You can easily transfer your number from your old carrier to your new carrier. Just make sure to start the number porting process when you choose your new plan and carrier.
Boost Mobile, Tello, and Mint Mobile offer the best value no contract unlimited data plans with monthly prices ranging from $25-30. These prepaid carriers offer massive savings compared to AT&T, Verizon, and T-Mobile, who charge $70-90 per month for unlimited data plans. But make sure to check the carrier's small print, as unlimited never really means unlimited, and each plan will have a high-speed data cap.
With MVNOs, it's easy to bring your own phone; as long as it's unlocked, it should be compatible with the network.
Recap: What is the best no contract phone carrier?
The big three's steady march towards higher prices, a maneuver more aimed at lining their pockets than meeting consumer demands, stands in stark contrast to the budget strains families are facing today. From grocery bills to utility costs, every cent matters to everyone regardless of station in life.
However, there's a beacon of hope in the realm of mobile communications. By choosing a carrier that aligns with your needs, you can enjoy the same dependable service you're accustomed to at a significantly reduced cost. Picture the potential of trimming up to $600 annually from your cheap no contract phone plan.
For those ready to shift towards a more flexible and budget-friendly option, making an informed choice is essential. Our comprehensive cell phone plan comparison tool is specifically designed for you. I aim to help you sift through the plethora of options to discover the ideal no contract plan that fits your specific needs.
Prepaid plan guides
- Best Prepaid Phone Plans
- Best Prepaid Unlimited Data Plans
- Best Prepaid Family Phone Plans
- Best No Contract Phone Plans
- The Cheapest Prepaid Phone Plans
- Best Prepaid Phone Plans on Verizon
- Best Prepaid Phone Plans on AT&T
- Best Prepaid Phone Plans on T-Mobile
- Best Prepaid Data Plans for Tablets
- Best Prepaid Data Plans for iPad
- Best Prepaid Hotspot 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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