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Cheapest Unlimited Talk & Text Plans of 2021

Compare unlimited talk & text plans from low cost carriers

Check Coverage

Fed up with the crazy high prices for your phone bill? We've got you covered.

We find the best deals with alternative cell phone companies that piggyback off the four major telecom networks; Verizon, AT&T, and T-Mobile.

With cheap cell phone plans that are half the cost, but with the same network you trust. We've put together some of the best of the bunch for you.

Best cheapest talk text plans of 2021

Best Prepaid Cell Phone Plans

Tello - Cheapest prepaid talk & text plan

Powered by:
Minutes
Unlimited
Texts
Unlimited
Data
0 GB
Price
$8/mo
Pros & Cons

Pros

  • 24/7 customer support

  • No contracts

  • Budget friendly family plans

Cons

  • No roaming

  • Coverage in rural areas

Carrier Benefits
  • Service on the nationwide T-Mobile network

  • Money-back guarantee on phones (no refunds on plans)

  • Prepaid - no contract, credit check, or activation fee

  • Bring your own phone or choose from a modest selection of new or refurbished devices

  • Keep your current phone number

  • Use of your plan data as a mobile hotspot through your phone is allowed

  • Use your minutes to call Canada, China, and Mexico

  • Minutes to other countries available as add-on

  • 24/7 customer service

Carrier Features
Plans
PlanMinutesTextsDataPrice

Tello Unlimited Talk & Text

Unlimited

Unlimited

0GB

$8

Tello 1GB Data

Unlimited

Unlimited

1GB

$10

Tello 2GB Data

Unlimited

Unlimited

2GB

$14

Tello 4GB Data

Unlimited

Unlimited

4GB

$19

Tello 6GB Data

Unlimited

Unlimited

6GB

$24

Tello 8GB Data

Unlimited

Unlimited

8GB

$29

Tello Unlimited Data

Unlimited

Unlimited

Unlimited

$39

Best Cell Phone Plans for Seniors

Twigby - Cheapest talk & text plan for seniors

Powered by:
Minutes
Unlimited
Texts
Unlimited
Data
0 GB
Price
$6.50/mo*
* 50% Off for 6 Months
Editors Take
4.5 / 5
Pros & Cons

Pros

  • No hotspot/tethering charges

  • International calling and texting

  • 4G LTE coverage

  • Exclusive deals and discounts as a Twigby customer

Cons

  • Limited handset selection

  • Not for the data hungry

Carrier Benefits
  • Runs on both the Verizon and Sprint networks

  • 30-day money-back satisfaction guarantee on phones and plans (under 300 minutes, 300 texts, or 300 MB of data used)

  • Prepaid - no contracts, credit checks, or activation fees

  • Bring your CDMA device or choose from a modest selection of Twigby phones

  • Keep your own phone number

  • Use your phone and plan data as a mobile hotspot

  • Use your plan minutes to call Canada, China, and Mexico

  • Free international texting to over 180 countries

  • US-based chat support available weekdays 7am to 9pm CST and 10am to 6pm on weekends

Carrier Features
Plans
PlanMinutesTextsDataPrice

Twigby 300 Mins & Unlimited Texts

300

Unlimited

0GB

$4.50*

Twigby 500 Mins & Unlimited Texts

500

Unlimited

0GB

$5.50*

Twigby Unlimited Talk & Text

Unlimited

Unlimited

0GB

$6.50*

Twigby 300 Mins & 1GB Data

300

Unlimited

1GB

$7.50*

Twigby 3GB Data

Unlimited

Unlimited

3GB

$10*

Twigby 5GB Data

Unlimited

Unlimited

5GB

$12.50*

Twigby 10GB Data

Unlimited

Unlimited

10GB

$17.50*

* 50% Off for 6 Months

Best Cell Phone Plans for Kids

Ting - Cheapest talk & text plan for kids

Powered by:
Minutes
Unlimited
Texts
Unlimited
Data
0 GB
Price
$10/mo*
* $5 extra per GB
Editors Take
4 / 5
Pros & Cons

Pros

  • Simple plans for light phone users

  • Customer service

  • Nationwide LTE and 5G coverage

  • Good selection of handsets

Cons

  • Not for the data hungry user

Carrier Benefits
  • Offers coverage on both Verizon and T-Mobile

  • Prepaid service - no contract, credit check, or start-up fees

  • Bring your GSM or CDMA phone - most devices are compatible - or buy one from Ting

  • Keep your current number

  • Tethering/mobile hotspot allowed, speeds limited to 3G for GSM tethering

  • Use your plan minutes to call 60+ international locations

  • International roaming capability (at surcharged rates)

  • Extensive customer service hours by phone, chat, or email

Carrier Features
Plans
PlanMinutesTextsDataPrice

Ting Unlimited Talk & Text

Unlimited

Unlimited

0GB

$10*

* $5 extra per GB

Ting 1GB Data

Unlimited

Unlimited

1GB

$15

Ting 5GB Data

Unlimited

Unlimited

5GB

$20*

* $5 Off for 6 Months

Ting Unlimited Data

Unlimited

Unlimited

Unlimited

$40*

* $5 Off for 6 Months

Ting Unlimited Pro

Unlimited

Unlimited

Unlimited

$55*

* $5 Off for 6 Months
Cheapest Phone Plans for One Person

US Mobile - Cheapest talk & text plan for one

Powered by:
Minutes
Unlimited
Texts
Unlimited
Data
0 GB
Price
$10/mo
Free Starter Kit with code: MSPUSM
Pros & Cons

Pros

  • Flexible, no contract plans

  • 24/7 customer service

  • 5G coverage available

Cons

  • No international calling

  • Phone selection

Carrier Benefits
  • Coverage on either the T-Mobile or Verizon network

  • Risk-free trial: Full refund within 14 days or before 1000 talk, text, or MB's is used

  • Prepaid - no contract, credit check, or activation fee

  • Bring your own GSM or CDMA phone or choose from a small selection of phones for sale

  • Keep your own phone number

  • Mobile hotspot use available as add-on option with unlimited data plans

  • International roaming plans available with eSIMs

  • Add-ons available for talk, text, and data, with rollover

  • 24/7 customer support

Carrier Features
Plans
PlanMinutesTextsDataPrice

US Mobile Unlimited Talk & Text

Unlimited

Unlimited

0GB

$10

US Mobile 1GB Data

Unlimited

Unlimited

1GB

$12

US Mobile 5GB Data

Unlimited

Unlimited

5GB

$15

US Mobile 12GB Data

Unlimited

Unlimited

12GB

$20

US Mobile 18GB Data

Unlimited

Unlimited

18GB

$25

US Mobile 30GB Data

Unlimited

Unlimited

30GB

$30

US Mobile Unlimited Data

Unlimited

Unlimited

Unlimited

$45

Free Starter Kit with code: MSPUSM

Best Cell Phone Plans for 2 Lines

Good2Go Mobile - Cheapest talk & text plan for two

Powered by:
Minutes
Unlimited
Texts
Unlimited
Data
0 GB
Price
$10/mo
Pros & Cons

Pros

  • 4G LTE coverage

  • No contract

  • No credit checks

Cons

  • No unlimited data options

  • No app interface

Carrier Benefits
  • Coverage on the nationwide AT&T & T-Mobile networks

  • Prepaid cell phone plans - no contract, credit check, or activation fee

  • Bring your own phone or buy a Good2Go Mobile phone

  • Mobile hotspot/tethering not supported

  • International calling to over 60 countries available as affordable plan add-on; calling to other countries via add-on calling card

  • Customer service available by phone 7am - 1am EST every day

Carrier Features
Plans
PlanMinutesTextsDataPrice

Good2Go Mobile Unlimited Talk & Text

Unlimited

Unlimited

0GB

$10

Good2Go Mobile 1GB Data

Unlimited

Unlimited

1GB

$15

Good2Go Mobile 2GB Data

Unlimited

Unlimited

2GB

$20

Good2Go Mobile 6GB Data

Unlimited

Unlimited

6GB

$30

Good2Go Mobile 10GB Data

Unlimited

Unlimited

10GB

$35

Good2Go Mobile 20GB Data

Unlimited

Unlimited

20GB

$45

Best International Cell Phone Plans

Gen Mobile - Cheapest international talk & text plan

Powered by:
Minutes
Unlimited
Texts
Unlimited
Data
0 GB
Price
$9/mo*
* 25% off for 3 months - Promo: MSP25OFF3MO
Pros & Cons

Pros

  • Good plan selection

  • Very affordable pricing

  • Free unlimited domestic and international texting

  • 15-days free texting if late on bill

Cons

  • No plans for heavy data users

  • No international roaming

Carrier Benefits
  • Coverage on the nationwide Sprint network

  • Prepaid - no contract, credit check, or activation fee

  • 7-day money-back satisfaction guarantee

  • Bring your eligible Sprint, Boost, or Virgin Mobile phone or buy a Gen Mobile phone

  • Mobile hotspot/tethering supported

  • Unlimited global text included; international plans with unlimited talk to 100+ countries, international calling to other countries available at applicable rates

  • Customer support available by phone or chat every day from 8am - 6pm PST

Carrier Features
Plans
PlanMinutesTextsDataPrice

Gen Mobile Unlimited Talk & Text

Unlimited

Unlimited

0GB

$9*

* 25% off for 3 months - Promo: MSP25OFF3MO

Gen Mobile 300 Mins & 1GB Data

300

Unlimited

1GB

$9*

* 25% off for 3 months - Promo: MSP25OFF3MO

Gen Mobile 1GB Data

Unlimited

Unlimited

1GB

$13*

* 25% off for 3 months - Promo: MSP25OFF3MO

Gen Mobile 2GB Data

Unlimited

Unlimited

2GB

$17*

* 25% off for 3 months - Promo: MSP25OFF3MO

Gen Mobile 3GB Data

Unlimited

Unlimited

3GB

$20*

* 25% off for 3 months - Promo: MSP25OFF3MO

Gen Mobile 5GB Data

Unlimited

Unlimited

5GB

$24*

* 25% off for 3 months - Promo: MSP25OFF3MO

Best cheap unlimited talk & text plans in April

Check Carrier Coverage

Unlimited talk & text plan benefits

We love Mobile Virtual Network Operators or MVNOs. If you're on the lookout for cheap cell phone plans, they're the best route to go down.

Want to stay on the same network, keep your phone and number, plus get greater flexibility?

Yep. You've got it. Forget the major carriers. Plans include everything you need, but come at a much better price with an MVNO.

  • Same great nationwide coverage: These cell phone carriers operate on the very same networks as the big four carriers.

  • Much lower prices: Save up to $600 per year on your cell phone plan. Why are MVNOs so much cheaper? They don't have the huge overhead and advertising costs the big guys do.

  • No contracts: Don't get trapped into a two-year agreement. Switch carriers when you decide to with a no contract phone plan.

  • Same cell phone service: Just because you're paying less, that doesn't mean you have to scrimp on features. Plans with unlimited everything are easy to find from these prepaid carriers. Usually, a low cost carrier plan comes with unlimited talk and text as standard, high speed data, and even mobile hotspot data features.

  • Keep your phone and number: You can bring your own phone and keep your phone number. No need to sign up for pricey device payments.

  • Great customer support: Smaller mobile providers are known for their attention to their customers. Stop feeling like an anonymous number getting lost in the crowd! Check out our carrier user reviews before switching.

Unlimited talk & text plans comparison

Carrier

Network

Data

Price

Twigby

Verizon & Sprint

0GB

$4.50** 50% Off for 6 Months

Twigby

Verizon & Sprint

0GB

$5.50** 50% Off for 6 Months

Twigby

Verizon & Sprint

0GB

$6.50** 50% Off for 6 Months

Tello

T-Mobile

0GB

$8

Gen Mobile

T-Mobile

0GB

$9** 25% off for 3 months - Promo: MSP25OFF3MO

Cheapest T-Mobile unlimited talk & text plan

UnlimitedminsUnlimitedtexts
0 GB4G data
$8per month
Powered by: T-Mobile

See more: cheap T-Mobile talk & text plans

Cheapest AT&T unlimited talk & text plan

UnlimitedminsUnlimitedtexts
0 GB4G data
$10per month
Powered by: AT&T & T-Mobile

See more: cheap AT&T basic plans

Cheapest Verizon unlimited talk & text plan

Twigby - Unlimited Talk & Text* 50% Off for 6 Months
UnlimitedminsUnlimitedtexts
0 GB4G data
$6.50*per month$13/mo
Powered by: Verizon & Sprint

See more: cheap Verizon basic plans


Carrier coverage comparison

Which prepaid carrier is best for you? That depends on which network has the best coverage in your area.

Whether you go with a GSM carrier (T-Mobile and AT&T) or a CDMA carrier (Verizon) you'll enjoy national coverage, just like with the major carriers.

Network performance ratings

NETWORK

OVERALL

RELIABILITY

SPEED

DATA

CALL

Verizon Coverage

95

96

94

96

94

AT&T Coverage

94

94

95

96

92

T-Mobile Coverage

86

88

82

89

82

Source: Rootmetrics

Find Cheap Cell Phone Plans in Your Area

Carrier customer ratings comparison

Concerned that low-cost carriers won't have good customer service? Don't be, on average MVNOs score much higher customer ratings than the big networks as you'll see in the comparison chart below:

CARRIER

TRUSTPILOT USER RATING

Reach Mobile

4.9

Tello

4.6

US Mobile

4.6

T-Mobile

1.5

Verizon

1.3

AT&T

1.2

Switching to a cheaper carrier

It's never been easier to switch. Let's break it down.

  1. Customize your plan. Whether you're looking for a truly unlimited plan, or in the market for something more basic, choose a plan to suit your cell phone needs.

  2. Prepare to make the switch. Make sure your old bills are paid up and your phone is unlocked. If you're getting a new device, transferring data from one to another is simple. Even if you're going from an iPhone to Android, and vice versa.

  3. Set up your new plan. Keep your current carrier account open until your number has ported over. Once you're sure your new plan is up and running, cancel your old account. If you've got a new device with your Tello plan, it should be ready to use when it arrives. If you're bringing your own phone then you'll need to follow the instructions with the new SIM card kit that Tello will send to you in the post.

Cheap carrier companies list

AT&T

T-Mobile

Verizon

Red Pocket

Mint Mobile

Twigby

Pure Talk

Ultra Mobile

US Mobile

h2o Wireless

US Mobile

Ting

Good2Go Mobile

Ting

Red Pocket

Unreal Mobile

Tello

Reach Mobile

Cricket Wireless

Red Pocket

Spectrum Mobile

Straight Talk

Boost Mobile

Total Wireless

FreeUP Mobile

Gen Mobile

Xfinity Mobile

Altice Mobile

GoSmart Mobile

CREDO Mobile

Freedompop

Republic Wireless

Affinity Cellular

Simple Mobile

GreatCall

Lycamobile

Walmart Family Mobile

Selectel Wireless

yahoo! Mobile

Wing

easyGO Wireless

Speedtalk Mobile

Cheap cell phones

So what if you do want to upgrade your phone? It's all good - with a prepaid carrier you can save a ton of money by choosing one of a couple of great money-saving options:

  • Buy a new phone from the carrier: More and more MVNOs are offering a selection of affordable phones. Some even give you the choice of making device payments instead of paying all at once. We've gathered the best cell phone deals for you to compare all in one place.

  • Buy a refurbished cell phone: If you'd rather own your phone outright, compare refurbished phone deals to save over 50% on top models in great condition.

Compare the cheapest cell phone prices

Phone

AT&T

Verizon

T-Mobile

Unlocked

iPhone 11

$349

$499

$499

$349

iPhone 11 Pro

$649

$799

$799

$649

iPhone 11 Pro Max

$899

$899

$899

$899

iPhone 12

$579

$729

$729

$579

iPhone 12 mini

$479

$629

$629

$479

iPhone 12 Pro

$749

$899

$899

$749

iPhone 12 Pro Max

$849

$999

$999

$849

iPhone SE

$149

$299

$299

$149

iPhone XR

-

$466

$466

$466


Unlimited talk & text plans FAQs

What is the cheapest cell phone carrier for unlimited text and talk?

Low cost carriers such as Twigby and Tello provide the cheapest plans with unlimited talk and text. Low cost carriers operate on the main telecom networks so offer the same quality coverage you're used to.

What is the best unlimited talk and text plans?

The best plan is personal, but MVNOs provide the best value for money. You can find customizable plans with carriers like Gen Mobile or Ting.

How much is unlimited talk and text?

Most prepaid plans from MVNOs come with unlimited talk and text, and prices start at around $10.

Recap

Finding a new prepaid cell phone service is easier now then it's ever been. With cheap online carriers taking the telecoms world by storm you can find a deal to fit any budget. You don't have to forfeit network coverage and you can customize a plan to suit you.

Without all the shops, salespeople and fancy advertising these low-cost carriers can offer you cheaper deals with the same perks.

MoneySavingPro methodology

We're here to bring transparency to telecoms, putting power back in your hands. This guides everything we do.

  • We've got high standards. We use our industry expertise to find carriers that reach these standards. We all deserve the best value for money, choice and customer experience.

  • We care about accuracy. MoneySavingPro is run by cell phone geeks and money saving obsessives. Our content team researches everything thoroughly so that information you read here will give you the whole picture. Everything we do is backed up by the data.

  • We keep things simple. It's our job to break down what you need to know, so you can make informed choices.

Carrier

Best for...

Mins

Texts

Data

Price

Tello SIM Card - Cheapest prepaid talk & text planTello

Prepaid

Unlimited

Unlimited

0GB

$8/mo

Twigby SIM Card - Cheapest talk & text plan for seniorsTwigby

Seniors

Unlimited

Unlimited

0GB

$13/mo

Ting SIM Card - Cheapest talk & text plan for kidsTing

Kids

Unlimited

Unlimited

0GB

$10/mo

US Mobile SIM Card - Cheapest talk & text plan for oneUS Mobile

Individuals

Unlimited

Unlimited

0GB

$10/mo

Good2Go Mobile SIM Card - Cheapest talk & text plan for twoGood2Go Mobile

2 lines

Unlimited

Unlimited

0GB

$10/mo

Gen Mobile SIM Card - Cheapest international talk & text planGen Mobile

International

Unlimited

Unlimited

0GB

$9/mo

Rob Webber
Rob Webber

Rob has 15+ years experience in the US and UK running price comparison sites for cell phone plans, smartphone deals, TV, and internet. He loves thinking outside of the box to build tools that empower consumers to make more informed decisions.

The Best Prices on the Best Networks