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Best cellphone plans 2020

What Are the Best Prepaid/Value Plans?

If you’re looking to save money on your monthly cell phone bill, opting for prepaid wireless service may be the way to go, especially as carriers offer a wider selection of phones to their prepaid customers. With prepaid plans, you pay ahead of time instead of at the end of each billing cycle. Prepaid plans let you get wireless service without a credit check, and you're not tied to any contract.

The challenge is that there are a lot of prepaid carriers — including many you've likely never heard of — touting a lot of plans. But we've cut through the noise to find top prepaid options among the best cell phone plans.

Normally, we recommend Metro by T-Mobile — a rebranded version of MetroPCS — and the discount carrier's 10GB LTE data plan for $40 a month is still a great way to get yourself a lot of data while enjoying the benefits of T-Mobile's high-performing cellular network. But Verizon is currently doubling the size of its $45-a-month plan to 16GB of data, and that's hard to overlook, at least until that offer disappears.

Metro still offers the best unlimited plan for prepaid customers. The carrier's $50 and $60 unlimited options match Boost Mobile on price, though you get a better network with Metro plus other perks like Google One storage. (Boost's unlimited plans give you more hotspot data, if that's something important to your needs.) Visible now offers the best discounts on multiple lines, making it the best prepaid choice for families.

If saving money is more important that maximizing data, you could turn to a host of discount carriers to find the best cheap cell phone plans. Republic Wireless offers the best balance of cost and data: you pay $5 per gigabyte on top of a $15 charge for unlimited talk and text, so 2GB of data would cost you a mere $25 a month.

Note: T-Mobile and Sprint have agreed to merge, and just cleared one of the biggest regulatory hurdles. The combined company hasn't announced changes to its plans yet (and a lawsuit by several states could still undo the deal). What's more, to win regulatory approval, the combined company will divest itself of Sprint-owned Boost, which will now be part of a new cellular network operated by Dish. We're still waiting on details there, too.

You have once less prepaid carrier to choose from starting in February. Sprint is shutting down its Virgin Mobile subsidiary and moving remaining customers over to Boost.

How we picked the best prepaid plans

You've got a vast number of choices when it comes to prepaid and discount carriers. To help simplify things, we divided plans into different categories. First, we looked at the best overall plans, using 3GB as the ideal amount of data an average user would need each month. Because a growing number of discount carriers now offer unlimited data, we also picked the best plan for people who want the fewest limitations on their monthly cellphone plan.

MORE: Prepaid vs. Postpaid Phone Service: What's Better for You?

In addition, we determined which carrier offers the most attractive pricing for families who need multiple lines of data. In all of these categories, we took network performance, including our own 4G testing, into account.

Because some wireless customers want an even lower monthly bill, we broadened our search to include additional discount carriers, which allow you to mix and match the amount of talk minutes, text and data you have in your monthly bill. We picked the best plan for less than $30 that had the most attractive combination of service and price.

Best Prepaid Plans for Individuals: Verizon

Best Overall Prepaid Plan: Verizon, 16GB for $45 a month

Who Should Get It: Users who can switch to Verizon while it's still doubling the data allocation of its $45 plan

Normally, Verizon gives you a healthy 8GB of LTE data for $45 a month. That's all right, but Metro by T-Mobile offers more data for less money. But as part of a current promotion, Verizon is doubling its data allotment to 16GB. And that's just too much data to overlook. (A similar promotion by AT&T ended earlier in July.)

Runner-Up: Metro by T-Mobile

Best Prepaid Plan: Metro by T-Mobile, 10GB for $40 a month

Who Should Get It: Users who want a lot of data on a top-performing network

The rebranded MetroPCS service may be emphasizing unlimited data plans, but its tiered data plan remains a good deal for individuals, especially with the allotted data now reaching 10GB. You'll give up some perks you'd get from other Metro by T-Mobile plans — there's no Google One or Amazon Prime tie-ins and you won't get any hotspot data — but that $40 a month charge includes taxes and fees. Metro uses T-Mobile's network for service, and that will include T-Mobile's newly launched 5G coverage, which comes to Metro customers in December.

Both AT&T and T-Mobile have competitive prepaid plans of their own if you prefer those carriers. T-Mobile's 10GB plan costs as much as Metro's, though you're on the hook for taxes and fees with T-Mobile. As for AT&T, it's back to offering 8GB of data for $40 a month once you factor in a $10 monthly discount for enrolling in autopay.

Other prepaid plan options for individuals

• Cricket, 5GB for $40 a month: Cricket offers 5GB data with its $40 monthly plan, but you can bring your monthly bill down to $35 by signing up for autopay. Unfortunately, Cricket, which uses AT&T's network, caps LTE speeds at 8 Mbps so you take a performance hit. Cricket doubled the size of its low-cost $30 a month plan to 2GB as well.

Boost, 3GB for $35 a month: Boost's lone tiered data plan isn't a bad choice, especially since the carrier matches Metro and Cricket by folding taxes and fees into its monthly rates. Boost uses Sprint's slower network.

Straight Talk, 25GB for $60 a month: Straight Talk currently offers 25GB of LLTE data for $45 a month. (Low-data users can turn to Straight Talk's 3GB plan which costs $35, though Cricket's similarly priced plan still offers more data.) We prefer the more expensive of Straight Talk's 25GB plans because it adds unlimited mobile-to-mobile calling to Mexico, Canada, China and India. If international calling doesn't meet your needs or you want more data, consider Straight Talk's $55 unlimited option (which we'll discuss further below).

Low-cost plans

If you want to save even more money on your monthly bill, other discount carriers let you mix and match talk, text and data allotments. By turning to one of these options, you can cut your bill down to size if you don't really use a lot of data each month or you prefer texting to talking.

MORE: The Best Discount Cellphone Carrier

The perfect low-cost plan depends upon your needs, but to find the carrier that offers the best mix of options, we set a budget of $30. Then we tried to build a plan that offered the best mix of talk, text and data without exceeding our monthly limit. We gave extra marks to plans that came in well under budget while still giving us a good allotment.

Talk Time
LTE Data
Monthly Cost
Consumer Cellular
AT&T, T-Mobile
5 percent discount for AARP members; recently introduced new data plans
AT&T, Sprint
Also offers family plans, bulk discounts for ordering multiple months in advance
Google Fi
Sprint, T-Mobile, US CellularGet refunds for unused data; Bills capped at $80 even if you use more data; Unlimited data plan now available
Mint MobileUnlimited
Requires $60 payment for 3-month commitment; price increases after 3 months to $35 a month unless you commit to a full year
Includes unlimited international texts, plus $10 of international calling credit
Simple MobileUnlimitedUnlimited10GB$40
Current promotion boosts data allocation to 15GB through March 31
Republic WirelessUnlimited
$25Sprint, T-Mobile
Uses Wi-Fi for calls and text when possible; add data for $5 per gigabyte
Plans cover calls to Canada and Mexico; rates recently changed
5GB$29SprintFamily plan discounts let you add another 5GB line for $22
500 minutes
100 texts
Sprint, T-Mobile
Plan reflects "pay what you use" pricing; first month of service gets a $25 credit
Unreal Mobile
Sprint, AT&T
Plans start at $15 for 2GB of high-speed data
US MobileUnlimitedUnlimitedUnlimited$40T-Mobile, Verizon
Data speed capped at 5 Mbps unless you pay another $10 a month; tiered data plans also available
Now supports some Android devices in addition to iPhone; caps on data speeds temporarily lifted

Our favorite low-cost plan comes from Republic Wireless, which offers 1GB of data along with unlimited talk and text for $20 a month. You can up your data allotment by $5 for every extra gigabyte, meaning 2GB brings your cost to $25. Republic keeps monthly prices low by using Wi-Fi networks to handle much of your calling, texting and data needs; when Wi-Fi's not available, it turns to the mobile networks of Sprint and T-Mobile. Sign up for a year of service with Republic, and you can get two months of service for free via discounted annual rates.

Another compelling choice is Google Fi, the rebranded version of Google's Project Fi wireless service. Google Fi charges $20 for unlimited talk and text, with LTE data available for $10 per gigabyte. You're only charged for the exact data you use, and Google also caps monthly bills at $80 even if you use more than 6GB of data. (There's also now an unlimited data plan option at Google Fi, which we'll examine shortly.) While Google used to limit its wireless service to its own phones and a few select Android devices, you can now use just about any phone with Google Fi, including iPhones.

Verizon-owned Visible also expanded which phones work with its service, which you get through a single $40 unlimited plan. Visible used to be limited just to iPhones (and you had to bring your own device, too), but now support has been expanded to some Android phones, including the Galaxy S9 and the latest Google Pixels. Under a current promotion, Visible has removed its 5 Mbps data speed cap for new and existing subscribers. US Mobile also offers a $40 unlimited plan, but a 5 Mbps cap on data speed remains in place there unless you pay an extra $10 per month.

Other high-data options include TextNow with a $40 unlimited plan, and Tello, which has 8GB ($29) and 12GB ($39) options. Simple Mobile also offers 10GB of LTE data in its $40 plan. (That's increased to 15GB for the next few months.)

Mint Mobile has one the lowest-priced options at $15 a month which now gets you 3GB of LTE data. There's a catch to that price, though: You have to prepay for three months at the start, and prices go up after that period unless you commit to a year of service. Seniors should check out Consumer Cellular, where you can get 3GB plan of data plus unlimited talk and text for $30 a month — and that's before a 5 percent discount for AARP members.

Unlimited prepaid plans

Best Unlimited Prepaid Plan: Metro by T-Mobile, $50 a month

Who Should Get It: Data-hungry cell phone users who want a fast network

Metro by T-Mobile and Boost have the best regular price on unlimited data at $50 a month, though both carriers restrict video streaming to 480p. Boost goes a step further by also imposing speed limits on game and music streaming for unlimited customers. That, plus Metro's better performing T-Mobile network and perks like 100GB of cloud storage via Google One, make the choice easier. Boost does offer more hotspot data — 12GB versus 5GB — with its $50 plan.

A second Metro unlimited option costs $60 a month and will give you 15GB of LTE hotspot data. Video streaming is still limited to 480p, but you'll get Google One storage plus an Amazon Prime membership through Metro's more expensive unlimited plan. If HD video streaming is important to you, look at Boost's $60 Unlimited Plus plan, which offers HD video streaming plus 20GB of LTE hotspot data.

Other unlimited plans include:

• Boost, $50 a month: As noted above, under Boost's unlimited plan, music will stream at 500 Kbps, and streaming games will be limited to 2 Mbps on top of the 480p streaming video restriction. You can pay $10 extra each month to stream video at 1080p and you'll get 30GB of LTE hotspot data, too as part of the Unlimited Plus plan. Boost now includes a third unlimited plan that ups LTE hotspot data to 50GB and adds access to the Tidal Premium music streaming service, along with international calling and texting perks. (Other unlimited plans at Boost only offer a six-month trial of Tidal.) This $80-a-month Ultimate Unlimited plan was once a limited-time offer, but it now appears to be a permanent fixture in Boost's lineup.

• Google Fi, $70 a month: Google's wireless service joins the ranks of other carriers with an unlimited plan that rolls in talk, text and data for one $70 monthly rate. One of the best things about Google Fi — the ability to use your data overseas just like you would at home — continues with this unlimited plan.

• Cricket, $55 a month: Unlimited data costs more at Cricket than with Metro and Boost, but an autopay discount knocks $5 off the $60 rate for the Cricket More unlimited plan. Cricket removes the 8 Mbps data speed cap it imposes on other plans for Cricket More subscribers, including its $50-a-month unlimited option. You're restricted to streaming video at 480p resolution, but the pricier unlimited plan now comes with 15GB of hotspot data. If you bring your own device and phone number to Cricket, you can get unlimited data with no speed cap for $40 a month under a limited-time promotional plan.

• Straight Talk, $55 a month: Straight Talk joins the ranks of prepaid carriers with an unlimited data option for a relatively affordable $55 a month, matching Cricket's pricing. As with other prepaid unlimited plans, expect videos to stream at 480p resolution. Autopay enrollment now gives you a $5 discount for three months.

• AT&T, $75 a month: Like its Cricket subsidiary, AT&T has two unlimited options for prepaid customers. In this case, the more expensive $75-a-month plan is the better deal. It lets you stream HD video, offers 10GB of hotspot data and comes with a free subscription to AT&T's WatchTV streaming service. You can currently knock $20 off that plan by enrolling in autopay. (That discount is normally $10.) A $65 unlimited plan — also subject to the $20 discount for autopay — limits video streams to 480p resolution and offers no hotspot data.

• Simple Mobile, $50 to $60 a month: Simple Mobile gives users a choice between a $50 unlimited plan and a $60 option. The more expensive plan includes 15GB of hotspot data, versus 5GB for the $50 option.

• T-Mobile, $50 a month: Prepaid customers who don't want the credit check that comes with the regular T-Mobile One plan can get a prepaid version of that plan for less money, though taxes and fees aren't included as they are with the T-Mobile One plan for postpaid customers. You'll also have to pay extra for coverage in Canada and Mexico as well as international calls with the prepaid version of T-Mobile's unlimited plan, while other restrictions (480p video streaming, 3G hotspot data) remain in place.

• TextNow, $40 a month: In addition to its tiered data plans, discount carrier TextNow has a $40 unlimited option. That matches Visible's price, and at TextNow, you're not restricted to using an iPhone.

• Verizon, $70 a month: Verizon has dropped the price on its prepaid unlimited plan and added 3G hotspot data. You're still limited to streaming video at 480p resolution, though. Sign up for autopay and you can lower your monthly bill to $65.

Visible, $40 a month: As noted above, Visible has one plan and one plan only — a $40 monthly plan with unlimited data on top of talk and text. The good news is that you get to use Verizon's top-performing network and if you act now, you won't be subject to the 5 Mbps cap Visible normally imposes on data speeds. 

• US Mobile, $40 to $55 a month: US Mobile adjusted the pricing on its unlimited plans and speeds on its unlimited data plans. The regular plan costs $40 a month with speeds capped at 5 Mbps per second. To remove that cap and get 10GB of hotspot data, you can pay another $10 per month. (The hostpot data is available as a standalone $5 add-on, too.)

Prepaid family plans

If you're shopping for multiple prepaid lines, you've got more options than ever. In addition to bigger carriers like AT&T, T-Mobile and Verizon, dedicated discount carriers like Metro By T-Mobile, Boost and Cricket all have plans for families too. Even upstarts like Google Fi and Visible now offer plans for multiple people — and it's Visible's plan that's the most appealing. (We also have recommendations for the best family plans if you want to look beyond prepaid options.)

Best Plan: Visible's unlimited plan for four lines of data, $100

Who Should Get It: Families with big data needs who want to save money

The best prepaid family plan usually comes down to who's offering the better discounts on additional lines. That's currently Visible, which lowers the cost of its $40 unlimited data plan for each additional line of data you add. A second line brings the per-line cost down to $35 each, three lines cost $30, and you can get four lines for $25 — a total of $100. That's a $40 savings off what you'd pay each month for four lines of unlimited data from Metro by T-Mobile and Boost, the other top prepaid options for family plans.

Visible's family plan is more appealing right now, as it's currently lifted its 5 Mbps cap on data speeds. That allows you to enjoy the full benefit of Verizon's top-performing network. Even better, Visible also bills each person on a multi-line plan, so it's easier for friends to share their cell phone plan.

Other options for families include:

• Metro by T-Mobile: At Metro, you can add additional lines to any plan for $30, whether that's one of the carrier's tiered data plans or an unlimited offering. That means big savings if you opt for Metro's $50 unlimited plan, which means you get two lines of data for $80, and four lines for $140. A current promotion at Metro means an even better deal if you opt for the more expensive unlimited option with its 15GB of hotspot data, Amazon Prime and 100GB of Google One storage. Metro is waiving the cost of the fourth line of data on that plan so a family of four would pay $120 — cheaper than Metro's other unlimited option.

• AT&T: AT&T has tweaked the escalating discounts it gives to multiple lines. Add a second or third line of prepaid data, and the carrier knocks $10 off the cost of each line. (That $40 8GB plan costs $30 for the second and third lines, in other words.) Add a fourth line and AT&T ups the discount to $20. Autopay discounts also remain in effect for each line of data. A family of four that opts for four lines with 8GB of data each will pay $120, once you factor in all those discounts. That same family can mix and match plans, too, adding a cheaper 1GB plan if there's a member of the family who doesn't use as much data as the rest.

• Boost: Like Metro, Boost lets you add extra lines for $30 each. In the case of Boost's $50 unlimited plan, that means four lines of unlimited data for $140 a month. Unlike Matro, though, Boost also caps the speed at which you can enjoy streaming music and games. And Boost's parent network — Sprint — isn't as strong as the T-Mobile network that Metro uses.

• Cricket: Cricket used to be a much more attractive option for families when it offered steeper discounts on extra lines. While not as generous, the revamped discounts from families still let you save. On tiered data plans, you can knock $10 off the price of a second line and $20 off the price for any lines after that. Under this pricing, a family of four each gets 5GB of data for $110 a month. (Unfortunately, Cricket's group savings aren't eligible for autopay credits.)

It gets a little more complicated with adding extra lines to Cricket's two unlimited plans. Under Cricket's less expensive unlimited plan — the one that caps data speeds at 3 Mbps — you can get four lines for $100 a month. Additional lines for the Cricket More plan — which has no cap on data speeds — cost $30 per line.

• Google Fi: Like other carriers, Google Fi offers discounts when you add additional lines. The better discounts are on Fi's unlimited data plan, with per line costs dropping from $70 for a single line to $45 per line when you have four lines of data. On tiered plans, your $20 fee for talk and text drops to $18 per line when you add two lines, and $17 when you add a third or fourth line; you'll continue to pay $10 for each GB of LTE data you use.

• Straight Talk: There's just one plan offering discounts on multiple lines at Straight Talk, and it only covers two lines of data. But Straight Talk's $90 two-line plan does offer unlimited data and at a per-line discount over what you'd pay for two lines of the carrier's $55-a-month unlimited plan.

• T-Mobile: T-Mobile now offers four lines of unlimited data for $140 for prepaid customers. Four lines with 10GB each will cost you $10 less, at $130 per month.

• Verizon: Verizon follows fellow Big Four carriers AT&T and Sprint by offering discounts as you add prepaid lines, with the size of the discount depending on what plan you have. The carrier will knock $10 off additional lines of its $40 3GB plan and $15 off extra lines the $50 8GB plan. (Note that Verizon is currently doubling the  amount of data in those plans to 6GB and 16GB, respectively, though that's a limited-time promotion.) The unlimited plan gets $20 discounts on extra lines. You can can knock off $5 on each line when you enroll in autopay.

Major carriers' prepaid plans

Prepaid Data Plans
Monthly Cost
$30/$40/$45 - $55Pricing reflects autopay discounts; Cheaper unlimited plan caps video streaming at 480p
Pricing and data caps recently changed
Take another $5 off every plan but 500MB with autopay discounts

Three of the four major carriers have prepaid options of their own, and they've gotten pretty creative with what they offer. Verizon, for example, normally gives you 3GB for $40 a month or 8GB for $50 a month, respectively, with both plans eligible for a $5 autopay discount; the carrier also has a $30 entry-level option with just 500MB of data. As of this writing, Verizon is doubling the data on all those plans as part of a limited-time offer.

AT&T offers an 8GB option of its own, but charges less than Verizon, once autopay discounts bring your monthly rate down to $40. 

T-Mobile offers two plans — a 10GB option for $40 and a $50 unlimited data plan. While cheaper than the carrier's Magenta unlimited plan, T-Mobile doesn't include taxes and fees with its prepaid unlimited plan, and you'll give up the international coverage included with Magenta plan.

On its website, Sprint says it's no longer accepting new customers for its Sprint Forward prepaid program.