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Best Talk & Text Plans in 2022

What is the best unlimited talk & text service?

0GB 5G & 4G LTE data
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$5/mo*$10/mo

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* $5 Off for 3 Months
0GB 5G & 4G LTE data
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$8/mo
0GB 5G & 4G LTE data
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$8/mo

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* FREE 10-Day Trial
0GB 5G & 4G LTE data
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$10/mo
Big wireless coverage at small prices: switch & save up to $600 a year
99% coverage4G & 5G speedBring your phoneNo contracts
Twigbyunlimited talk & text plan* $5 Off for 3 Months

Unlimitedmins

Unlimitedtexts

0GB

4G/5G data

$5/mo*

$10/mo

Powered by: Verizon

Unlimitedmins

Unlimitedtexts

0GB

4G/5G data

$8/mo

Powered by: T-Mobile

Unlimitedmins

Unlimitedtexts

0GB

4G/5G data

$8/mo

Powered by: Verizon & T-Mobile

Unlimitedmins

Unlimitedtexts

0GB

4G/5G data

$10/mo

Powered by: AT&T & T-Mobile

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Disclaimer: MoneySavingPro is a free price comparison service but we do not provide service directly. We do our best to keep all the information up to date but there may be some discrepancies between the price you pay.

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Same coverage, massive savings!
Stop the Unlimited Data Plan Rip Off!
CarrierNetworkDataPrice Annual 
VerizonVerizon 4G & 5GUnlimited*$80/mo$960/yr
US MobileVerizon 4G & 5G5GB$15/mo$180/yr
*Avg. data usage only 3-5GBSavings$65/moSavings$780/yr
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Unlimited talk & text phone plans

By Rob Webber - Last updated on

Are you looking for a basic plan without data? A talk and text plan could be just what you need.

The best value talk and text plans are with MVNOs (or Mobile Virtual Network Operators). These low-cost carriers like Tello, Twigby, and US Mobile have basic plans starting from under $10 a month for unlimited talk and text.

Operating on the same US networks, you won't have to sacrifice coverage.

We've compared plans from all MVNOs below, including features and benefits, to help you find the best deal for you.

Check Carrier Coverage

Cheap talk & text only plans

Best prepaid talk & text plan

Twigby SIM Card - Twigby 0GB $5/moTwigby SIM Card - Twigby 0GB $5/mo
Minutes
Unlimited
Texts
Unlimited
Data
0GB
Price
$5/mo** $5 Off for 3 Months
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Twigby 0GB plan includes unlimited mins, unlimited texts and 0GB data for only $5 per month. Twigby plans offer wireless coverage on the Verizon 5G and 4G LTE network. To learn more about why this is one of the best cell phone plans, check out MoneySavingPro's Twigby review

Plans
PlanDataPriceView plan

Twigby 1GB

1GB

$5*

* $10 Off for 3 Months
View Plan

Twigby Unlimited Talk & Text

0GB

$5*

* $5 Off for 3 Months
View Plan

Twigby 4GB

4GB

$10*

* $10 Off for 3 Months
View Plan

Twigby 7GB

7GB

$15*

* $10 Off for 3 Months
View Plan

Twigby 10GB

10GB

$20*

* $10 Off for 3 Months
View Plan
Review
4.5

Pros

  • 5G & 4G LTE coverage on Verizon network

  • No hotspot charges

  • International calling and texting

  • 30 day money back guarantee

  • Great new customer discounts

Cons

  • Limited cell phone selection

Benefits

  • Runs on the Verizon 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

Best talk & text plan for seniors

Tello SIM Card - Tello 0GB $8/moTello SIM Card - Tello 0GB $8/mo
Minutes
Unlimited
Texts
Unlimited
Data
0GB
Price
$8/mo
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Tello 0GB plan includes unlimited mins, unlimited texts and 0GB data for only $8 per month. Tello plans offer wireless coverage on the T-Mobile 5G and 4G LTE network. To learn more about why this is one of the best cell phone plans, check out MoneySavingPro's Tello review

Plans
PlanDataPriceView plan

Tello Unlimited Talk & Text

0GB

$8

View Plan

Tello 5GB

5GB

$10*

* $9 Off First Month
View Plan

Tello 1GB

1GB

$10

View Plan

Tello 2GB

2GB

$14

View Plan

Tello 10GB

10GB

$24

View Plan

Tello Unlimited Data

Unlimited

$29

View Plan
Review
5

Pros

  • No contract. No bulk buying.

  • 24/7 friendly customer support

  • 4G LTE/5G nationwide coverage

  • Free Hotspot & Wi-Fi Calling

  • Free international calls to 60+ countries

Cons

  • No roaming

  • Coverage in rural areas

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

Best talk & text plan for kids

US Mobile SIM Card - US Mobile 0GB $8/moUS Mobile SIM Card - US Mobile 0GB $8/mo
Minutes
Unlimited
Texts
Unlimited
Data
0GB
Price
$8/mo* FREE 10-Day Trial
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US Mobile 0GB plan includes unlimited mins, unlimited texts and 0GB data for only $8 per month. US Mobile plans offer wireless coverage on the Verizon & T-Mobile 5G and 4G LTE networks. To learn more about why this is one of the best cell phone plans, check out MoneySavingPro's US Mobile review

Plans
PlanDataPriceView plan

US Mobile 500MB

500MB

$5

View Plan

US Mobile Unlimited Talk & Text

0GB

$8

View Plan

US Mobile 2GB

2GB

$12

View Plan

US Mobile 5GB

5GB

$15

View Plan

US Mobile 15GB

15GB

$20

View Plan

US Mobile 25GB

25GB

$25

View Plan

US Mobile Unlimited Data Basic

Unlimited

$35

View Plan

US Mobile Unlimited Data Premium

Unlimited

$45

View Plan

* FREE 10-Day Trial

Review
4.5

Pros

  • Flexible, no contract plans

  • 24/7 customer service

  • 5G coverage available

Cons

  • No international calling

  • Phone selection

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

Best talk & text only plan for one

Good2Go Mobile SIM Card - Good2Go Mobile 0GB $10/moGood2Go Mobile SIM Card - Good2Go Mobile 0GB $10/mo
Minutes
Unlimited
Texts
Unlimited
Data
0GB
Price
$10/mo
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Good2Go Mobile 0GB plan includes unlimited mins, unlimited texts and 0GB data for only $10 per month. Good2Go Mobile plans offer wireless coverage on the AT&T & T-Mobile 5G and 4G LTE networks. To learn more about why this is one of the best cell phone plans, check out MoneySavingPro's Good2Go Mobile review

Plans
PlanDataPriceView plan

Good2Go Mobile 3GB

3GB

$10*

* 50% Off for 3 Months
View Plan

Good2Go Mobile Unlimited Talk & Text

0GB

$10

View Plan

Good2Go Mobile 6GB

6GB

$15*

* 50% Off for 3 Months
View Plan

Good2Go Mobile 1GB

1GB

$15

View Plan

Good2Go Mobile 10GB

10GB

$35

View Plan

Good2Go Mobile 20GB

20GB

$45

View Plan
Review
4

Pros

  • 4G LTE coverage

  • No contract

  • No credit checks

Cons

  • No unlimited data options

  • No app interface

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

Talk & text only 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.

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

Best talk & text plan on T-Mobile

Unlimitedmins

Unlimitedtexts

0GB

4G/5G data

$8/mo

Powered by: T-Mobile

Compare: T-Mobile talk & text plans


Best talk & text plan on Verizon

Twigbyunlimited talk & text plan* $5 Off for 3 Months

Unlimitedmins

Unlimitedtexts

0GB

4G/5G data

$5/mo*

$10/mo

Powered by: Verizon

Compare: Verizon talk & text plans


Best talk & text plan on AT&T

Unlimitedmins

Unlimitedtexts

0GB

4G/5G data

$10/mo

Powered by: AT&T & T-Mobile

Compare: AT&T talk & text plans


Cheapest talk & text only plans

CarrierDataNetworkPrice
Twigby unlimited talk & text plan0GBVerizon$5** $5 Off for 3 Months
Tello unlimited talk & text plan0GBT-Mobile$8
US Mobile unlimited talk & text plan0GBVerizon & T-Mobile$8* FREE 10-Day Trial
Good2Go Mobile unlimited talk & text plan0GBAT&T & T-Mobile$10

Carrier customer service

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:

CARRIERTRUSTPILOT USER RATING
Reach Mobile4.9
Tello4.6
US Mobile4.6
T-Mobile1.5
Verizon1.3
AT&T1.2

Switch to a cheap talk & text plan

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 carriers list

AT&T MVNOsVerizon MVNOsT-Mobile MVNOs
Red PocketUS MobileBoost Mobile
PureTalkRed PocketUS Mobile
Good2Go MobileTwigbyUltra Mobile
H2O WirelessVisibleTello
Straight TalkAffinity CellularRed Pocket
TracfoneReach MobileMint Mobile
Boom! MobileSpectrum MobileLycamobile
Kroger WirelessPage Plus CellularConsumer Cellular
easyGO WirelessXfinity MobileGoSmart Mobile
Unreal MobileLivelyRepublic Wireless
Optimum MobileWalmart Family MobileSimple Mobile
FreedompopTingSelectel Wireless
Gen Mobile
Wing
easyGO Wireless
Speedtalk Mobile

Talk & text plans FAQS

What is the cheapest talk and text plan?

You'll find the cheapest talk and text plans with low-cost carriers like Twigby, Tello, and US Mobile with plans starting at $5-10 per month.

Who has the best talk and text plan?

MVNOs like Twigby and US Mobile have unlimited talk and text plans starting from $10 a month.


Recap

Whether you're looking for a talk and text plan for emergencies or your kid's first phone, there are plenty of deals to suit everyone.

MVNOs offer a wide variety of options at affordable prices. By operating on the major networks, Verizon, AT&T, and T-Mobile, you'll still get the same nationwide coverage, but at a fraction of the cost.

You can check who has the best cell phone coverage where you live with our ZIP code checker.

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.

Big wireless coverage at small prices