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You’re our first priority. Every time. We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners. New T-Mobile Card: 2X Back on Most Purchases, Plus Autopay Discounts Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own. Published Nov 4, 2025 10:39 a.m. PST · 1 min read How is this page expert verified? NerdWallet's content is fact-checked for accuracy, timeliness and relevance. It undergoes a thorough review process involving writers and editors to ensure the information is as clear and complete as possible. Written by Lead Writer & Content Strategist 7 years of experience Expertise Credit cards Funto Omojola is a lead writer and content strategist on the credit cards team. Funto started writing for NerdWallet in 2020 and also has writing featured in MarketWatch, Yahoo Finance, Realtor.com, New York Post and Nasdaq, among others. Funto lives in Brooklyn, New York. Published in Lead Writer & Content Strategist + more Edited by Managing Editor 24 years of experience Expertise Credit cards credit scores Kenley Young directs daily credit cards coverage for NerdWallet. Previously, he was a homepage editor and digital content producer for Fox Sports, and before that a front page editor for Yahoo. He has decades of experience in digital and print media, including stints as a copy desk chief, a wire editor and a metro editor for the McClatchy newspaper chain. Managing Editor + more 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. » MORE: Should you pay your cell phone bill with a credit card? About the T-Mobile Visa Card Welcome bonus: None at the time of writing. Rewards: 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. Notable benefits: $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. » MORE: NerdWallet's best credit cards for cell phone insurance 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 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 either, 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 paying for a separate add-on policy — which, of course, T-Mobile offers separately. Find the right credit card for you. Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you. More like this
