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 plan | Twigby |
| Senior talk & text plan | Tello |
| Kids talk & text plan | US Mobile |
| Individual talk & text plan | Good2Go Mobile |
Cheapest prepaid talk & text plan
- Minutes
- Unlimited
- Texts
- Unlimited
- Data
- 0GB
- Price
- $5/mo** $5 Off for 3 Months
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
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
Cheapest unlimited talk & text plan for seniors
- 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
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
Cheapest unlimited talk & text plan for kids
- Minutes
- Unlimited
- Texts
- Unlimited
- Data
- 0GB
- Price
- $8/mo* FREE 10-Day Trial
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 talk & text plan for one
- 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 unlimited talk & text plans
Unlimited talk & text plan benefits
We love Mobile Virtual Network Operators, known as 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 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: 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: T-Mobile talk & text plans
Cheapest unlimited talk & text plan on Verizon
Unlimitedmins
Unlimitedtexts
0GB
4G/5G data
$5/mo*
$10/mo
Powered by: Verizon
Compare: 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: AT&T talk & text plans
Best cheap unlimited talk & text plans
| Carrier | Data | Network | Price |
|---|---|---|---|
| Twigby unlimited talk & text plan | 0GB | Verizon | $5** $5 Off for 3 Months |
| Tello unlimited talk & text plan | 0GB | T-Mobile | $8 |
| US Mobile unlimited talk & text plan | 0GB | Verizon & T-Mobile | $8* FREE 10-Day Trial |
| Good2Go Mobile unlimited talk & text plan | 0GB | AT&T & T-Mobile | $10 |
Carrier network coverage
| 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
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 carriers list
Unlimited talk & text plans FAQs
What is the cheapest unlimited text and talk plan?
Low-cost carriers such as Twigby and Tello provide the cheapest plans with unlimited talk and text starting at $5 per month.
What are the best talk and text only plans?
The best talk and text only plans are available from low-cost carriers like US Mobile or Twigby.
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 phone 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 |
|---|---|---|---|---|---|
 Twigby | Prepaid talk & text plan | Unlimited | Unlimited | 0GB | $10/mo |
 Tello | Senior talk & text plan | Unlimited | Unlimited | 0GB | $8/mo |
 US Mobile | Kids talk & text plan | Unlimited | Unlimited | 0GB | $8/mo |
 Good2Go Mobile | Individual talk & text plan | Unlimited | Unlimited | 0GB | $10/mo |
