The T-Mobile wireless network has launched its first co-branded credit card, issued by Capital One.
The $0-annual fee T-Mobile Visa Card will begin taking applications on Nov. 4, 2025, and will earn rewards on T-Mobile purchases as well as on everyday spending.
Importantly, to apply for the card, you must be an active T-Mobile wireless customer with at least one active line on an eligible smartphone plan.
About the T-Mobile Visa Card
Image courtesy of T-Mobile
Welcome bonus: None at the time of writing.
5% back in T-Mobile rewards on all phone, device or accessory purchases made at T-Mobile.
2% back in T-Mobile rewards on all other purchases.
T-Mobile rewards are earned in the form of credits that can be redeemed at a 1:1 ratio toward your monthly T-Mobile bill or phones, devices and accessories purchases through the company. Rewards don’t expire.
$5 discount per eligible line, for up to eight lines, every month, when you use the card via autopay.
Up to 50% off select hotels and up to 45% off select Pay Now rental cars booked through T-Mobile Travel, the company’s travel portal.
25-cent discount per gallon, up to 20 gallons, at Shell Fuel Rewards. Note that this discount is only available on Tuesdays and through Dec. 23, 2025.
Should you get the T-Mobile card?
As with co-branded credit cards from other major wireless providers — like the Verizon Visa® Card and the AT&T Points Plus Card — the T-Mobile Visa Card can help customers save money on their phone bills. While most cardholders probably won’t make enough T-Mobile phone, device or accessory purchases per month to maximize the card’s 5x rate, its unlimited 2x rate on all other purchases is on par with what the best flat-rate cards on the market offer, making it easy to earn rewards.
And while you won’t have much redemption flexibility with those rewards — cash back, for instance, isn’t an option — it may not matter that much when it comes to your cell phone bill. After all, that’s a predictable expense you can count on every month, meaning you won’t lack for opportunities to redeem your rewards.
Plus, when you sign up to pay your bill automatically with autopay, you get a $5 discount per line, for up to eight lines. That, too, can help you knock off a good bit of your family’s monthly phone bill. The card doesn’t charge an annual fee, so there’s no cost for carrying it in your wallet either.
One drawback, however, is that the T-Mobile Visa doesn’t offer cell phone insurance, an increasingly common side perk for credit cards. That means that if you do use the card to pay your T-Mobile bill, you may want to consider buying a cell phone coverage policy — which, of course, T-Mobile offers separately.
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