Capital One
T-Mobile Visa®
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | No signup bonus |
| Rewards Rate | 2%-5% rewards |
| Network | Visa |
About this card
The T-Mobile Visa card receives an overall rating of 2.8 out of 5.0. While it boasts a solid rewards program for T-Mobile customers with 2% cashback on all purchases and 5% on T-Mobile purchases, the high APR significantly diminishes its value, particularly for a card targeted towards those with good credit. The limited redemption options, restricting rewards to T-Mobile products and services, further hamper its appeal compared to more flexible cashback cards. The absence of an annual fee is a notable strength, but the high APR outweighs this benefit for many users. Ultimately, the card's value is heavily dependent on the user's commitment to T-Mobile's ecosystem and their ability to pay their balance in full each month. Reputationally, the card is viewed as a niche product. Its strengths are the no annual fee and decent rewards for T-Mobile users. Its weaknesses are the high APR, limited redemption options and requirement of a T-Mobile service.
Pros & Cons
What's great
- No annual fee
- Cashback on purchases
- High rewards rate
- Exclusive cardholder offers
- Specific brand discounts/benefits
Things to consider
- No sign-up bonus
- No intro APR period
- Requires good or excellent credit
What this card offers
Rewards
- Earn 2% in rewards on every purchase, every day.
- Earn 5% in rewards on any phone, device, or accessory at T-Mobile.
Other features
- Find out if you're pre-approved with no risk to your credit score.
- $5 off per line per month Just use your card for T-Mobile AutoPay (eligible plans only, up to 8 lines).
- Rewards never expire Redeem your rewards anytime.
- Exclusive offers Cardholder deals on dining, travel and more.
- Track rewards in T-Life Connect your T-Mobile Visa to the T-Life app to track rewards, make easy payments and get exclusive benefits.
- Manage your card anytime, anywhere with the Capital One Mobile App
- Card management Manage your credit card account, access your virtual card, check your balance and more.
- Card lock Effortlessly lock your card with a few taps if it has been misplaced, lost or stolen.
- Autopay Schedule automatic payments so you never miss a payment.
- Payment flexibility Pick your own monthly due date. You have the control to pay when you want.
- Redeem rewards towards a new phone, device, or your T-Mobile bill.
Additional Notes
Exclusively for T-Mobile customers*. Credit Level: GOOD-EXCELLENT.