You'll find a wide variety of cheap cell phone plans offering unlimited talk and text with low cost carriers, also known as MVNOs.
If you're fed up with the high costs of your phone bill, you're not alone. Which is why MVNOs like Ting and US Mobile are becoming more popular.
With a good selection of plans you'll be able to find an affordable plan that suits your personal needs and because MVNOs run on the same networks as the big three you don't have to sacrifice coverage.
We've picked some of the best unlimited talk and text plans for you below.
| Prepaid talk & text | Tello |
| Senior talk & text | Twigby |
| Individual talk & text | US Mobile |
| 2 line talk & text | Good2Go Mobile |
Cheapest prepaid unlimited talk & text plan
- Minutes
- Unlimited
- Texts
- Unlimited
- Data
- 0GB
- Price
- $8/mo
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
Pros
24/7 customer support
No contracts
Budget friendly family plans
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
Cheapest unlimited talk & text plan for seniors
- Minutes
- Unlimited
- Texts
- Unlimited
- Data
- 0GB
- Price
- $6.50/mo** 50% Off for 6 Months
Twigby 0GB plan includes unlimited mins, unlimited texts and 0GB data for only $6.50 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
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
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
Cheapest unlimited talk & text plan for one
- Minutes
- Unlimited
- Texts
- Unlimited
- Data
- 0GB
- Price
- $8/moFree Starter Kit with code: MSPUSM
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
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
Cheapest unlimited talk & text plan for two
- Minutes
- Unlimited
- Texts
- Unlimited
- Data
- 0GB
- Price
- $10/mo
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
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
Cheap talk & text plans in 2022
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.
Cheapest unlimited talk & text plan on T-Mobile
Unlimitedmins
Unlimitedtexts
0GB
4G/5G data
$8/mo
Powered by: T-Mobile
Compare: cheap T-Mobile talk & text plans
Cheapest unlimited talk & text plan on Verizon
Unlimitedmins
Unlimitedtexts
0GB
4G/5G data
$6.50/mo*
$13/mo
Powered by: Verizon
Compare: cheap Verizon talk & text plans
Cheapest unlimited talk & text plan on AT&T
Unlimitedmins
Unlimitedtexts
0GB
4G/5G data
$10/mo
Powered by: AT&T & T-Mobile
Compare: cheap AT&T talk & text plans
Best cheap talk & text plans
| Carrier | Network | Minutes | Texts | Data | Price |
|---|---|---|---|---|---|
| Twigby | Verizon | Unltd | Unltd | 0GB | $6.50** 50% Off for 6 Months |
| Tello | T-Mobile | Unltd | Unltd | 0GB | $8 |
| US Mobile | Verizon & T-Mobile | Unltd | Unltd | 0GB | $8Free Starter Kit with code: MSPUSM |
| Good2Go Mobile | AT&T & T-Mobile | Unltd | Unltd | 0GB | $10 |
Cheap carrier coverage
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
Cheap 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:
| 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 |
Switch to a cheap talk & text plan
It's never been easier to switch. Let's break it down.
- 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.
- 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.
- 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
Cheapest cell phone prices
| Phone | Storage | Network | Condition | Price | Nokia 6300 | 4GB | T-Mobile | New | $69 | NUU Mobile F4L | 4GB | T-Mobile | New | $79 | TCL A30 | 32GB | T-Mobile | New | $119 | Nokia 2.4 | 32GB | T-Mobile | New | $139 | Nokia G10 | 32GB | T-Mobile | New | $149 | Motorola Moto G Play | 32GB | Verizon | New | $150 | Nokia 3.4 | 32GB | T-Mobile | New | $179 | Motorola Moto G Power | 64GB | Verizon | New | $180 | OnePlus Nord N100 | 64GB | T-Mobile | New | $199 | Samsung Galaxy A12 | 32GB | T-Mobile | New | $199 | LG Stylo 6 | 64GB | T-Mobile | New | $229 | Motorola Moto G Fast | 32GB | T-Mobile | New | $249 | TCL Revvl | 128GB | T-Mobile | New | $249 | OnePlus Nord N200 | 64GB | T-Mobile | New | $279 | Samsung Galaxy A32 | 64GB | T-Mobile | New | $329 | Apple iPhone SE | 64GB | AT&T | New | $329 | Motorola Moto G Stylus | 128GB | T-Mobile | New | $349 | Samsung Galaxy S10 | 128GB | AT&T | New | $349 | Samsung Galaxy S9+ | 64GB | T-Mobile | New | $399 | Samsung Galaxy S10e | 128GB | T-Mobile | New | $399 |
|---|
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
With these low cost carriers you don't need to worry about forfeiting network coverage. Running on the three main networks gives you the same nationwide coverage, but with more affordable plans.
Offering a variety of customizable plans you'll be sure to find one that fits your personal needs while saving yourself hundreds of dollars a year.
Low cost carriers provide no contract plans and allow you to bring your own phone, so if your needs change you can amend your plan or cancel without any early termination fees.
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 | Prepaid talk & text | Unlimited | Unlimited | 0GB | $8/mo |
 Twigby | Senior talk & text | Unlimited | Unlimited | 0GB | $13/mo |
 US Mobile | Individual talk & text | Unlimited | Unlimited | 0GB | $8/mo |
 Good2Go Mobile | 2 line talk & text | Unlimited | Unlimited | 0GB | $10/mo |
