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Cheapest Unlimited Talk & Text Plans

What is the cheapest unlimited talk & text phone plan?

Prepaid talk & text
0GB 4G/5G data
$8/mo*
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Senior talk & text
0GB 4G/5G data
$6.50/mo*$13/mo
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See Deal

* 50% Off for 6 Months
Individual talk & text
0GB 4G/5G data
$8/mo*
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See Deal

Free Starter Kit with code: MSPUSM
2 line talk & text
0GB 4G/5G data
$10/mo*
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See Deal

Find the cheapest phone plans in your area

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.

Cheapest prepaid unlimited talk & text plan

Tello SIM Card - Tello 0GB $8/moTello SIM Card - Tello 0GB $8/mo
Minutes
Unlimited
Texts
Unlimited
Data
0GB
Price
$8/mo
Powered by:

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 1GB

1GB

$10

View Plan

Tello 2GB

2GB

$14

View Plan

Tello 4GB

4GB

$19

View Plan

Tello 6GB

6GB

$24

View Plan

Tello 8GB

8GB

$29

View Plan

Tello Unlimited Data

Unlimited

$39

View Plan
Review
5

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

Twigby SIM Card - Twigby 0GB $6.50/moTwigby SIM Card - Twigby 0GB $6.50/mo
Minutes
Unlimited
Texts
Unlimited
Data
0GB
Price
$6.50/mo** 50% Off for 6 Months
Powered by:

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

Plans
PlanDataPriceView plan

Twigby Unlimited Talk & Text

0GB

$6.50*

* 50% Off for 6 Months
View Plan

Twigby 3GB Data

3GB

$10*

* 50% Off for 6 Months
View Plan

Twigby 1GB Data

1GB

$9.50*

* 50% Off for 6 Months
View Plan

Twigby 5GB Data

5GB

$12.50*

* 50% Off for 6 Months
View Plan

Twigby 10GB Data

10GB

$17.50*

* 50% Off for 6 Months
View Plan
Review
4.5

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

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/moFree Starter Kit with code: MSPUSM
Powered by:

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 Unlimited Talk & Text

0GB

$8

View Plan

US Mobile 1GB

1GB

$12

View Plan

US Mobile 5GB

5GB

$15

View Plan

US Mobile 12GB

12GB

$20

View Plan

US Mobile 18GB

18GB

$25

View Plan

US Mobile 30GB

30GB

$30

View Plan

US Mobile Unlimited Data

Unlimited

$45

View Plan

Free Starter Kit with code: MSPUSM

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

Cheapest unlimited talk & text plan for two

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
Powered by:

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 1GB

1GB

$10*

* 50% Off for 3 Months
View Plan

Good2Go Mobile Unlimited Talk & Text

0GB

$10

View Plan

Good2Go Mobile 3GB

3GB

$12.50*

* 50% Off for 3 Months
View Plan

Good2Go Mobile 6GB

6GB

$17.50*

* 50% Off for 3 Months
View Plan

Good2Go Mobile 10GB

10GB

$40

View Plan

Good2Go Mobile 20GB

20GB

$50

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

Cheap talk & text plans in 2022

By Rob Webber - Last updated on
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.

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

Twigby unlimited talk & text plan* 50% Off for 6 Months

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

CarrierNetworkMinutesTextsDataPrice
TwigbyVerizonUnltdUnltd0GB$6.50** 50% Off for 6 Months
TelloT-MobileUnltdUnltd0GB$8
US MobileVerizon & T-MobileUnltdUnltd0GB$8Free Starter Kit with code: MSPUSM
Good2Go MobileAT&T & T-MobileUnltdUnltd0GB$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

NETWORKOVERALLRELIABILITYSPEEDDATACALL
Verizon Coverage9596949694
AT&T Coverage9494959692
T-Mobile Coverage8688828982

Source: Rootmetrics

Find Cheap Cell Phone Plans in Your Area

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:

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 carrier companies list

AT&T MVNOsVerizon MVNOsT-Mobile MVNOs
Red PocketUS MobileBoost Mobile
PureTalkRed PocketUS Mobile
Unreal MobileTwigbyUltra Mobile
Good2Go MobileReach MobileTello
H2O WirelessSpectrum MobileRed Pocket
Straight TalkPage Plus CellularMint Mobile
TracfoneTotal WirelessConsumer Cellular
Kroger WirelessXfinity MobileGoSmart Mobile
easyGO WirelessAffinity CellularRepublic Wireless
Optimum MobileLivelySimple Mobile
FreedompopWalmart Family MobileLycamobile
TingSelectel Wireless
Gen Mobile
Wing
easyGO Wireless
Speedtalk Mobile

Cheapest cell phone prices

PhoneStorageNetworkConditionPrice
Nokia 63004GBT-MobileNew$69
NUU Mobile F4L4GBT-MobileNew$79
TCL A3032GBT-MobileNew$119
Nokia 2.432GBT-MobileNew$139
Nokia G1032GBT-MobileNew$149
Motorola Moto G Play32GBVerizonNew$150
Nokia 3.432GBT-MobileNew$179
Motorola Moto G Power64GBVerizonNew$180
OnePlus Nord N10064GBT-MobileNew$199
Samsung Galaxy A1232GBT-MobileNew$199
LG Stylo 664GBT-MobileNew$229
Motorola Moto G Fast32GBT-MobileNew$249
TCL Revvl128GBT-MobileNew$249
OnePlus Nord N20064GBT-MobileNew$279
Samsung Galaxy A3264GBT-MobileNew$329
Apple iPhone SE64GBAT&TNew$329
Motorola Moto G Stylus128GBT-MobileNew$349
Samsung Galaxy S10128GBAT&TNew$349
Samsung Galaxy S9+64GBT-MobileNew$399
Samsung Galaxy S10e128GBT-MobileNew$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.
CarrierBest for...MinsTextsDataPrice
Tello SIM Card - Cheapest prepaid unlimited talk & text planTelloPrepaid talk & textUnlimitedUnlimited0GB$8/mo
Twigby SIM Card - Cheapest unlimited talk & text plan for seniorsTwigbySenior talk & textUnlimitedUnlimited0GB$13/mo
US Mobile SIM Card - Cheapest unlimited talk & text plan for oneUS MobileIndividual talk & textUnlimitedUnlimited0GB$8/mo
Good2Go Mobile SIM Card - Cheapest unlimited talk & text plan for twoGood2Go Mobile2 line talk & textUnlimitedUnlimited0GB$10/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.