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Best phone carriers of 2022

best phone carrier
(Image credit: Tom's Guide)

If you're looking to start the new year with new provider for your cell phone service, we can help you find the best phone carrier. Whether you're picking up a new phone and want to get a better deal by switching or you just want to make sure you're getting the most value for your dollar, comparing phone carriers can help you find the best service overall.

To that end, finding the best phone carrier requires more than just picking the carrier who charges you the least for data each month (though finding the best cell phone plan is an important part of the selection process). Phone carriers also stand out with their network coverage, particularly as wireless providers are expanding their 5G networks. You should consider customer service — the best phone carriers can handle questions about billing as easily as helping you troubleshoot your device. And some carriers make a mark by showering subscribers with plenty of perks.

Sounds like a lot to keep track of? That's why we're here, having done all the research for you. Right now, T-Mobile and Verizon are battling each other for the title of best phone carrier. If you're willing to look beyond the major wireless providers though, you can find good value from smaller operators like Mint Mobile and Visible.

Today's top three best value phone carriers

1. Mint Mobile - Best carrier on a budget

1. Mint Mobile - Best carrier on a budget
Mint Mobile is a great carrier to choose if you're after an affordable phone plan. While Mint plans include only four options, these span from 4GB through to unlimited data, all offering some of the cheapest prices in the US right now. However, with prices this low, Mint is light on added features, and to get the price, you need to commit to a year of service.

2. Visible - Best value carrier for unlimited data and families

2. Visible - Best value carrier for unlimited data and families
Visible offers just one plan, but it's unlimited data for just $40 a month, second only to Mint Mobile for the cheapest unlimited data plan. Visible's pricing gets better thanks to its Party Pay program, in which you can join friends and family to get a major discount, with monthly prices as low as $25 per line. And your service comes through Verizon's top-ranked network.

3. Verizon - Best value carrier if you can spend a bit more

3. Verizon - Best value carrier if you can spend a bit more
On the opposite end of the spectrum to the above deals, Verizon is one of the priciest networks around. But its plans are feature packed, and its coverage is extensive and fast. 5G remains a work in progress, but Verizon is looking to increase the speed of its nationwide 5G network by year's end.

The best phone carriers overall

best phone carrier: T-Mobile

(Image credit: T-Mobile)

1. T-Mobile

The best phone carrier overall

Best Unlimited Plan: $70/month Magenta plan
Best Tiered Data Plan: N/A
Best Prepaid Plan: $15/month 2.5GB plan
5G Coverage: 308 million people (nationwide)
Parent Network: T-Mobile
Reasons to buy
+Attractive unlimited plans+Low-cost tiered data plans+Excellent perks for subscribers
Reasons to avoid
-2.5GB, 5.5GB prepaid plans have a hard cap on data

When it comes to the best mix of data plans, coverage and perks, T-Mobile is a tough phone carrier to beat. While its merger with Sprint has introduced a few customer service struggles, T-Mobile still emerges as the best phone carrier, thanks to some great data plans, excellent perks and a growing 5G network.

T-Mobile offers the best unlimited data plan in the business, with its $70 Magenta plan that bakes taxes and fees into the cost of the plan and also lets you use your data when you're overseas (albeit at slower speeds). Healthy discounts as you add lines also make Magenta the best family cell phone plan, particularly with T-Mobile waving the cost of a third line under a current promotion. 

If you don't need all that data, T-Mobile's 2.5GB and 5.5GB prepaid plans are among the cheapest you'll find. T-Mobile is upgrading all of its monthly plans to include 5G coverage.

In our LTE network testing, we found T-Mobile's LTE download speeds were fast, even if Verizon and AT&T both finished ahead of the Uncarrier the last time we tested. Third-party testing firm Opensignal says that T-Mobile has the fastest 5G speeds for both downloads and uploads as well as the best 5G reach, while RootMetrics touts T-Mobile's 5G speed and availability. 

To that end, T-Mobile's 5G service now reaches more than 308 million people across the country. Of that total, 200 million can access its faster Ultra Capacity 5G service.

What really sets T-Mobile apart is the perks it extends to customers. Weekly T-Mobile Tuesday giveaways include prizes and benefits while T-Mobile's Team of Experts program also provides excellent customer service to subscribers. Family plan subscribers can get the cost of a Netflix account covered as part of their plan, and T-Mobile now provides one free year of both Apple TV Plus and Paramount Plus to Magenta and Magenta Max subscribers.

best phone carrier: Verizon

(Image credit: Verizon)

2. Verizon

A good alternative to T-Mobile

Best Unlimited Plan: $80/month Play More plan
Best Tiered Data Plan: $55/month 5GB plan
Best Prepaid Plan: $45/month 15GB plan
5G Coverage: 230 million people (nationwide); 87 cities (mmWave)
Parent Network: Verizon
Reasons to buy
+Network has extensive reach+Fast 5G speeds thanks to mmWave+Excellent prepaid plans
Reasons to avoid
-Best unlimited plans are pricey-Fastest 5G speeds limited to select areas

Verizon's plans may be pricier than the competition. But there's plenty to like about the nation's biggest wireless carrier, starting with the reach and performance of its network. When we've tested LTE speeds, Verizon has come out on top, with third-party testing firm RootMetrics has placed Verizon in its top slot for 16 consecutive semiannual reports, including for the first half of 2021. 

Sometime this month, Verizon's 5G service will get a big boost when it augments its existing Ultra Wideband 5G network with C-Band spectrum. That will bring faster 5G speeds to more than 100 million people with Big Red's nationwide network already reaching 230 million people (albeit with slower speeds than Ultra Wideband.) Verizon also makes it easier to experience 5G by accepting any phone — even broken ones — to reduce the cost of upgrading to a 5G phone. That includes the new iPhone 13 Pro.

As for the cost of service, you will find cheaper and easier-to-decipher unlimited data plans at T-Mobile, but Verizon's current plans do include interesting perks. Verizon's Do More plan, which costs $80 a month for one line (and $180 for four) includes 600GB of cloud storage and a 50GB ceiling before Verizon will throttle your speeds. Play More, which costs the same, includes access to a bundle of Disney streaming services (Disney Plus, ad-supported Hulu and ESPN Plus) along with a year of Discovery Plus as part of your wireless plan. A year's subscription to a streaming gaming service — either Apple Arcade or Google Play Pass — has just been added to the mix for Play More subscribers.

Verizon's prepaid plans are especially attractive, now that the carrier has increased the amount of data you get. There's a 15GB plan that costs $45 a month after a $5 autopay discount, and loyalty rewards lower the price even further. After three months of service, the rate falls to $40, and nine more months takes the cost down to $35. All Prepaid plans get 5G service, too, though Ultra Wideband coverage is reserved for prepaid customers with unlimited plans.

Verizon has fared well when we've tested customer service for phone carriers, and it continues to offer an extensive selection of phones, including exclusives. (Verizon offers Ultra Wideband versions of both the Samsung Galaxy A42 5G and the Motorola One 5G Ace as less expensive 5G options.) If you don't mind paying a little more on your monthly bill, Verizon provides the performance and service that justifies the extra cost.

best phone carrier: AT&T

(Image credit: AT&T)

3. AT&T

Third place among the major carriers

Best Unlimited Plan: $85/month Unlimited Elite
Best Tiered Data Plan: $50/month 4GB
Best Prepaid Plan: $25/month 8GB plan (12 months in advance)
5G Coverage: 250 million people (nationwide)
Parent Network: AT&T
Reasons to buy
+Extensive network+Growing 5G coverage+HBO Max tie-in for Unlimited Elite plan
Reasons to avoid
-Best unlimited plan is expensive

AT&T finds itself in an awkward position among the remaining major carriers. AT&T's monthly rates and promotions can't match what T-Mobile offers, and Verizon still has the larger overall network (though AT&T's 5G network has wider reach at the moment). That leaves AT&T in third place in our best phone carrier rankings, but there are some notable bright spots for the carrier.

For one, when we last tested network performance, AT&T finished second for LTE download speeds. Other tests from third-party firms paint a rosier picture, with RootMetrics giving AT&T the nod for the speediest network during the first half of 2021, though T-Mobile has since surpassed its 5G speed in recent RootMetrics rankings. AT&T does share top honors with Verizon for 5G reliability, though.

When it comes to plans, AT&T's most appealing unlimited data option is its most expensive offering — an $85-a-month Unlimited Elite plan that includes the HBO Max streaming service. AT&T has removed any cap on data consumption so Unlimited Elite customers won't have their speeds slowed, and you get more hotspot data, too. The cheaper unlimited tiers at AT&T don't compare as favorably to T-Mobile and Verizon plans, though all AT&T unlimited plans now include 5G coverage at no extra cost. AT&T also allows families to mix and match unlimited plans, so that each line can feature a different tier of unlimited data. Unlimited plans also include six months of Stadia Pro streaming gaming.

AT&T's prepaid options provide a lot of data, too. A particularly strong option gives you 15GB of data for $40 a month. However, if you can swing the upfront costs, paying for a full year of service, gets you 8GB of data at $25/month.

best phone carrier: Visible

(Image credit: Visible)

4. Visible

A cheaper way to get unlimited data

Best Unlimited Plan: $40/month **Best Tiered Data Plan:** N/A
Best Prepaid Plan: N/A
5G Coverage: 230 million people (nationwide); 87 cities (mmWave)
Parent Network: Verizon
Reasons to buy
+Unlimited data for $40+Discounts on multiple lines+Services uses Verizon's network
Reasons to avoid
-Speeds can be slowed if network's congested-5G coverage limited to iPhones

Variety is not the spice of life when it comes to Visible's service options, as the discount carrier and Verizon MVNO offers only one service plan. But it's a really good option — you get unlimited data for $40 a month over Verizon's LTE network, which has been the top performer in our testing.

Visible used to place a cap on data speeds when the carrier debuted, but that restriction has since been lifted. That means you can enjoy the full power of Verizon's network, with your speeds slowing only should the network get too congested. (That's standard operating procedure for networks like Visible that use another carrier's towers for their coverage, though.) 5G service is now available through Visible using Verizon's coverage, with iPhone 13, iPhone 12, Galaxy S21 Plus, Galaxy S21, Galaxy A42 5G, Motorola One 5G Ace, Pixel 4a 5G, Pixel 5 and Blade X1 5G users able to access 5G at no extra cost.

Compared to the best cheap cell phone plans, Visible has the best option for families thanks to the generous discounts as you add lines to your plan. Two lines of unlimited data at Visible reduces the per-line cost to $35, while a family of four pays a total of $100 (or $25 per line) each month. Your Visible Party Plan isn't limited to people living at the same address — it can cover friends, distant relatives or roommates. And a referral program can reduce your bill to just $5 for the month after a new customer you've referred joins Visible.

Visible got its start as an iPhone-only carrier, though it subsequently added Android phones to the mix, from flagships like the Galaxy S21 and Pixel 6 to budget offerings like the Galaxy A42. A new early upgrade program lets you switch to a new device after you've paid off 50% of your phone. You can also bring your own device to Visible.

best phone carrier: Mint Mobile

(Image credit: Mint Mobile)

5. Mint Mobile

Low rates if you pay upfront

Best Unlimited Plan: $30/month unlimited data plan
Best Tiered Data Plan: N/A
Best Prepaid Plan: $20/month 10GB plan
5G Coverage: 308 million people (nationwide)
Parent Network: T-Mobile
Reasons to buy
+Low monthly rates, especially for unlimited data+Uses T-Mobil's network
Reasons to avoid
-Low rates require a year's commitment-Minimal perks

Mint Mobile offers some of the lowest rates around, provided you're willing to pay for coverage up front. Pricing starts at $15 a month for 4GB of LTE data — that's better than even T-Mobile's Simple Connect plan. But that price is only available through the first three months of your service. To maintain that low rate, you've got to sign up for a year of coverage, limiting your flexibility to change carriers if you're not satisfied. (That approach also holds true for Mint's 10GB and 15GB plans as well as the carrier's $30-a-month unlimited data plan.)

Mint uses T-Mobile's network to provide coverage, so you should expect fast performance, particularly if you live in an urban area. Mint says you'll get 5G or 4G coverage depending on which signal is stronger — assuming you've got a 5G-compatible phone, of course. 

Speaking of devices, Mint sells both iPhones and Android handsets, at a wide range of prices. You can also bring your current phone to Mint if you prefer. Our Mint Mobile vs. AT&T and Verizon vs. Mint Mobile comparisons offer a closer look at how this discount service compares to bigger phone carriers.

best phone carrier: Metro by T-Mobile

(Image credit: Metro by T-Mobile)

6. Metro by T-Mobile

A good discount phone carrier

Best Unlimited Plan: $50/month Unlimited plan
Best Tiered Data Plan: N/A
Best Prepaid Plan: $40/month 10GB plan
5G Coverage: 308 million people (nationwide)
Parent Network: T-Mobile
Reasons to buy
+Good variety of plans+Uses T-Mobile's network+5G coverage with compatible phones
Reasons to avoid
-Few perks-Data speeds can be slowed if network is busy

Metro By T-Mobile — formerly MetroPCS — remains one of the best phone carriers if you don't want to spend a lot of money on your cell phone service. That said, Metro is facing stepped-up competition from big-name rivals and obscure discount carriers alike. Parent company T-Mobile stole some of Metro's thunder by offering a super-cheap $15/month cell phone plan, while Verizon has doubled the amount of data it packs into its prepaid packages.

Still, there's plenty to like about Metro, which benefits from using T-Mobile's cellular network for its coverage. Even though Metro traffic can slow down when T-Mobile's towers get congested, in our testing, that's been a rare occurrence. More importantly, Metro customers with 5G-capable phones can enjoy T-Mobile's 5G coverage, which now stretches coast to coast.

Verizon may offer more data to prepaid customers, but Metro's $40-a-month plan still includes a generous helping of 10GB of data, with streaming music from more than 40 services not counting against your cap. Metro's unlimited plans — $50 for the entry level plan and $60 for a plan that includes an Amazon Prime membership and more hotspot data — are pretty attractive, too. Under a current promotion, you can get half off the $50 unlimited plan when you switch to Metro and bring your own phone; that $25 monthly price will stick around for two years.

Metro has a good selection of phones, with around a third of the handsets on sale costing less than $200. You can find additional savings if you port over a phone number when signing up for service with Metro.

best phone carrier: Google Fi

(Image credit: Google Fi)

7. Google Fi

The best phone carrier if you go with Pixel

Best Unlimited Plan: $70/month unlimited
Best Tiered Data Plan: $20/month for talk and text plus $10/GB
Best Prepaid Plan: N/A
5G Coverage: 308 million people (nationwide)
Parent Network: T-Mobile, US Cellular
Reasons to buy
+Only pay for the data you use+Use data and text overseas+Optimized for Google Pixels, select Moto phones
Reasons to avoid
-Cheaper unlimited data is available elsewhere

No longer restricted to just Google's own phones, the Google Fi wireless service now supports just about any kind of handset (including iPhones). But it's really the best option if you have a Google Pixel device or a fully compatible third-party phones like the Samsung Galaxy S21 and Galaxy Z Flip 3 or Motorola devices including the Moto G Power (2021) or Motorola One 5G Ace. Those phones seamlessly switch between the carriers that provide Google Fi's coverage — Sprint, T-Mobile and US Cellular — so you'll always have the best connection available. You give that up if you bring your own device to Google Fi. 

Both the Pixel 5a and Pixel 6 are out, and those phones are optimized for Google Fi. In fact, Google Fi is the only carrier to offer the Pixel 5a.

Google Fi's pricing is pretty compelling if you don't use a lot of data. Google charges you $20 for unlimited talk and text and then just $10 for each gigabyte of data you use. But that's adjusted to the precise amount of data you consume — if you use 2.5GB, say, you'll pay $25 instead of Google rounding up to $30. You can opt for unlimited data if you prefer, but at $70 a month, Google's pricing matches what T-Mobile charges for the best unlimited data plan. There's a $60 unlimited data option at Google Fi, but it drops the ability to use your data overseas, a feature that makes Google Fi so appealing.

That feature lets you use your data and text when you're abroad in 200-plus countries. Data is also available at decent speeds overseas. It's available in Google Fi's $70 unlimited plan as well as its by-the-gig pricing, but not in the new $60 option.

Best phone carrier: Consumer Cellular

(Image credit: Consumer Cellular)

8. Consumer Cellular

The best phone carrier for seniors

Best Unlimited Plan: $55/month Unlimited Shared Data
Best Tiered Data Plan: $25/month 3GB plan
Best Prepaid Plan: N/A
5G Coverage: Yes
Parent Network: AT&T, T-Mobile
Reasons to buy
+Discounts for AARP members+Low rates if you don't need much data
Reasons to avoid
-Cheaper plans elsewhere if you use lots of data-Some criticism of customer service

Consumer Cellular is a good option for your cell phone service if you don't need a lot of data each month or you don't need unlimited talk minutes. (Or both!) The carrier has small data tiers available at reasonable prices, and you can switch around your data allotment on a monthly basis if you anticipate needing more data. 

The 3GB plan probably offers enough data for many users who don't stream music and movies and at $25, it's a pretty affordable option.

Because Consumer Cellular offers an additional 5% discount on monthly rates to AARP members, it's become a hit with seniors. The carrier uses both AT&T and T-Mobile for its coverage, so it's likely you'll get good network performance no matter where you are. (And if you buy an iPhone 13 or 5G-ready Android phone through the carrier, you can enjoy 5G coverage.) Consumer Cellular does take some criticism for customer service, but it's generally regarded as any easy service for managing your plan and keeping your cell phone costs low.

best phone carrier: Boost Mobile

(Image credit: Boost)

9. Boost Mobile

A new era of the discount carrier

Best Unlimited Plan: $50/month Unlimited Gigs
Best Tiered Data Plan: N/A
Best Prepaid Plan: $25/month 5GB plan
5G Coverage: 308 million people (nationwide)
Parent Network: T-Mobile/AT&T
Reasons to buy
+Unlimited plans compare nicely to Metro's+Good selection of low-cost phones
Reasons to avoid
-Unlimited plan isn't truly unlimited-Limited perks

Once owned and operated by Sprint, Boost Mobile is now the property of Dish in a $1.4 billion purchase spurred by the Sprint-T-Mobile merger. Boost is keeping its name, and it's in the process of switching over to AT&T's network as Dish looks to build out its own network. 

Boost continues to offer the same plans as before, with your best option being one of the company's two unlimited plans. The $50 plan features 12GB of hotspot data and a six-month subscription to Tidal's streaming music service. For $60 a month, you get HD video streaming and 30GB of hotspot data. Both unlimited data plans slow your speeds after you use 35GB of data in a month.

Boost's unlimited prices compare favorably to what you get from Metro by T-Mobile, though T-Mobile's prepaid service doesn't put caps on music and game streaming like Boost does. The best tiered plan at Boost gives you 5GB of data for $25 a month, with 2GB ($15) and 10GB ($35) options as well.

best phone carrier: Xfinity Mobile

(Image credit: Xfinity Mobile)

10. Xfinity Mobile

A good option if you believe in bundles

Best Unlimited Plan: $45/month Unlimited plan
Best Tiered Data Plan: $30/month 3GB plan
Best Prepaid Plan: N/A
5G Coverage: 230 million people (nationwide); 87 cities (mmWave)
Parent Network: Verizon
Reasons to buy
+Low unlimited rate+5G coverage on Verizon's network+Discounts on multiple lines of unlimited data
Reasons to avoid
-Requires Xfinity internet subscription

If you already get your internet service from Comcast — and since it's the nation's biggest internet service provider, you probably do — Xfinity Mobile offers you the opportunity to save money on your monthly phone bill. The Comcast-backed phone carrier uses a combination of Verizon's cellular towers and Xfinity hotspots to offer nationwide phone coverage.

Xfinity's best plan for individuals is its $45 unlimited plan. Not only is that cheaper than what you'll pay for unlimited coverage at the major phone carriers, it also includes access to Verizon's 5G network if you have a 5G-capable phone. That means you can get 5G for nearly half the cost of what you'd pay for a Verizon unlimited data plan.

Xfinity Mobile has added discounts on additional lines, eliminating one of the big cons against this best phone carrier option. While a single line of unlimited services costs $45 a month, a second line of data brings the per line cost down to $40. A family of four pays $120 each month, or $30 per line.

You'll find a good selection of phones at Xfinity, including the latest iPhone and Android flagships, such as the iPhone 13 and Galaxy S21. These days, Xfinity offers better support for bringing your own device beyond just the iPhone; recent Samsung Galaxy and Google Pixel devices are supported, too, if you already own those phones.

What to look for when choosing a phone carrier

The first thing to consider when determining the best phone carrier for your needs is to figure out who has the best coverage in your area. Concentrate on the places where you spend a lot of time and need cell phone service, such as your home, office and frequent hangouts. Our network performance testing looks at download speeds in select cities, and third-party testing can give you an idea of how networks perform on average. But to truly get a picture of local network coverage, you'll need to ask friends and family about their experience.

If you're comfortable looking beyond one of the major cell phone providers, you can always try a discount carrier. These MVNOs turn to the larger networks to provide cellular service, so be sure to find out which network a discount carrier uses to make sure it's one that provides good service to where you live and work.

Once you've figured out which phone carriers offer the best coverage in your areas, look at plans and pricing. You'll need to figure out how much data you need — whether an unlimited plan is required or if you can opt for a cheaper plan with tiered data. We've analyzed the best cell phone plans overall to help you find one that fits your needs.

phone carriers

(Image credit: 10'000 Hours)

One other thing to consider when picking carriers is perks that come included with a monthly subscription. You'll find more of these with larger carriers, while discount carriers and prepaid cellular service tends to skimp on the extras. Popular perks include streaming service subscriptions, high-speed hotspot data and the ability to use your plan while traveling overseas. (Speaking of overseas travel, we've also got a look at the best international phone plans from the major carriers.)

How we test phone carriers

We evaluate network performance by heading out to eight US cities and running Ookla's Speedtest app to measure download speeds. For real-world testing, we download a sizable app off of Google Play and time how fast it takes to get the app on a smartphone. We augment our own testing by looking at network performance reports from third-party firms including RootMetrics, OpenSignal and Ookla. All that data helps us evaluate a carrier's network performance.

We continuously review cell phone plans to compare how much data each carrier offers and how unlimited plans vary at each provider. We also look at the best prepaid phone plans, including extras you have to give up for the lower price to evaluate whether those are good deals or not.

We've done customer support testing in the past where we contact carriers incognito to ask them questions both about their service as well as phones they offer. We conduct this undercover testing both over the phone and through social media support accounts on Twitter and Facebook.

Philip Michaels
Philip Michaels is a senior editor at Tom's Guide. He has strong opinions about Apple, the Oakland Athletics and old movies. Follow him at @PhilipMichaels.