T-Mobile Visa®
- Annual Fee
- $0
- store credit · Welcome Bonus
- $50
- Highest rate (conditional)
- Up to 5X (T Mobile)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Visa Signature
- Rewards Currency
- T-Mobile Rewards
- Credit Required
- Good to Excellent
Welcome Offer
Bonus: $50 store credit
Earning Rates
- 5X
T Mobile
Earn 5% in rewards on any phone, device, or accessory at T-Mobile (excludes device installment plan payments, wireless service, fees and prepaid wireless service).
- 2X
All Other
2% in rewards on every purchase, every day, anywhere Visa is accepted
Benefits & Perks
Annual Credits & Statement Credits
2 credits$50
first-year / eligibility-dependent
1 credit listed below has no stated dollar amount and is not counted in this total.
$50 wireless bill credit when approved
One-time $50 credit on your T-Mobile bill for new T-Mobile Visa accounts, valid through 11/18/2026.
$50
One-time
$5/mo T-Mobile per line
Just use your card for T-Mobile AutoPay (eligible plans only, up to 8 lines).
—
Annual
Insurance & Protections
2 protections24/7 worldwide travel and emergency assistance
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
24/7 roadside dispatch assistance (pay-per-use)
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Reviews & Analysis
The Math: Is $0 Worth It?
First-year value includes $50 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$30
Annual Fee
-$0
Net Annual Value
+$0
Details & Terms
Application Rules
| Rule | Details |
|---|---|
| Account required | Only active T-Mobile consumer postpaid wireless customers with a line on an eligible smartphone plan can apply; business, government and prepaid customers do not qualify. |
Payment Terms
| Purchase APR | 18.49%–28.49% (Variable) |
| Cash Advance APR | 28.49% (Variable) |
| Foreign Transaction Fee | $0 |
Media & Resources
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Capital One | Capital One | |
| Capital One | Capital One | |
| Capital One | — | Capital One |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
