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Cheapest Unlimited Talk & Text Plans in 2021

Compare the best unlimited talk & text plans

Best prepaid plan
0GB 4G/5G data
$8 per month
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Best senior plan
0GB 4G/5G data
$6.50* per month
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* 50% Off for 6 Months
Best kid plan
0GB 4G/5G data
$10* per month
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* $5 extra per GB
Cheap cell phone plans starting at $10/mo - Compare Now
Find the best 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.

Tello SIM Card - Cheapest prepaid talk & text plan - TelloTello SIM Card - Cheapest prepaid talk & text plan - Tello
Minutes
Unlimited
Texts
Unlimited
Data
0 GB
Price
$8/mo
Editors Take
5 / 5
Plans
PlanMinutesTextsDataPrice

Tello Unlimited Talk & Text

Unlimited

Unlimited

0GB

$8

Features
Benefits

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

Twigby SIM Card - Cheapest talk & text plan for seniors - TwigbyTwigby SIM Card - Cheapest talk & text plan for seniors - Twigby
Minutes
Unlimited
Texts
Unlimited
Data
0 GB
Price
$6.50/mo** 50% Off for 6 Months
Editors Take
4.5 / 5
Plans
PlanMinutesTextsDataPrice

Twigby Unlimited Talk & Text

Unlimited

Unlimited

0GB

$6.50*

* 50% Off for 6 Months
Features
Benefits

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

Ting SIM Card - Cheapest talk & text plan for kids - TingTing SIM Card - Cheapest talk & text plan for kids - Ting
Minutes
Unlimited
Texts
Unlimited
Data
0 GB
Price
$10/mo** $5 extra per GB
Editors Take
4 / 5
Plans
PlanMinutesTextsDataPrice

Ting Unlimited Talk & Text

Unlimited

Unlimited

0GB

$10*

* $5 extra per GB
Features
Benefits

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

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

US Mobile SIM Card - Cheapest talk & text plan for one - US MobileUS Mobile SIM Card - Cheapest talk & text plan for one - US Mobile
Minutes
Unlimited
Texts
Unlimited
Data
0 GB
Price
$8/moFree Starter Kit with code: MSPUSM
Editors Take
4.5 / 5
Plans
PlanMinutesTextsDataPrice

US Mobile Unlimited Talk & Text

Unlimited

Unlimited

0GB

$8

Free Starter Kit with code: MSPUSM

Features
Benefits

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

Good2Go Mobile SIM Card - Cheapest talk & text plan for two - Good2Go MobileGood2Go Mobile SIM Card - Cheapest talk & text plan for two - Good2Go Mobile
Minutes
Unlimited
Texts
Unlimited
Data
0 GB
Price
$10/mo
Editors Take
4 / 5
Plans
PlanMinutesTextsDataPrice

Good2Go Mobile Unlimited Talk & Text

Unlimited

Unlimited

0GB

$10

Features
Benefits

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

The best cheap talk & text plans in October

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 T-Mobile unlimited talk & text plan

Unlimitedmins

Unlimitedtexts

0 GB

4G/5G data

$8/mo

Powered by: T-Mobile

Compare: cheap T-Mobile talk & text plans


Cheapest AT&T unlimited talk & text plan

Unlimitedmins

Unlimitedtexts

0 GB

4G/5G data

$10/mo

Powered by: AT&T & T-Mobile

Compare: cheap AT&T talk & text plans


Cheapest Verizon unlimited talk & text plan

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

Unlimitedmins

Unlimitedtexts

0 GB

4G/5G data

$6.50/mo*

$13/mo

Powered by: Verizon

Compare: cheap Verizon talk & text plans


Compare the cheapest unlimited 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
TingT-Mobile & VerizonUnltdUnltd0GB$10** $5 extra per GB
Good2Go MobileAT&T & T-MobileUnltdUnltd0GB$10

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

NETWORKOVERALLRELIABILITYSPEEDDATACALL
Verizon Coverage9596949694
AT&T Coverage9494959692
T-Mobile Coverage8688828982

Source: Rootmetrics

Find Cheap Cell Phone Plans in Your Area

Carrier customer service 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:

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

How to switch 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&TT-MobileVerizon
Red PocketMint MobileTwigby
Good2Go MobileUltra MobileUS Mobile
Unreal MobileUS MobileTing
Pure TalkTingRed Pocket
h2o WirelessTelloReach Mobile
Cricket WirelessRed PocketSpectrum Mobile
Straight TalkGoSmart MobilePage Plus Cellular
Black WirelessRepublic WirelessTotal Wireless
Kroger WirelessSimple MobileXfinity Mobile
easyGO WirelessLycamobileCREDO Mobile
Optimum MobileSelectel WirelessAffinity Cellular
FreedompopBoost MobileGreatCall
Gen MobileWalmart Family Mobile
Wing
easyGO Wireless
Speedtalk Mobile

Best 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

ModelConditionMemoryCompatibilityPrice
Apple iPhone 11New64GBAT&T$499
Apple iPhone 11 MaxNew64GBAT&T$899
Apple iPhone 11 ProNew64GBAT&T$799
Apple iPhone 12New64GBT-Mobile$729
Apple iPhone 12 miniNew64GBT-Mobile$629
Apple iPhone 12 ProNew128GBVerizon$999
Apple iPhone 12 Pro MaxNew128GBT-Mobile$999
Apple iPhone 13New128GBT-Mobile$829
Apple iPhone 13 miniNew128GBT-Mobile$729
Apple iPhone 13 ProNew128GBT-Mobile$999
Apple iPhone 13 Pro MaxNew128GBT-Mobile$1,099
Apple iPhone SENew64GBT-Mobile$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 talk & text planTelloBest prepaid planUnlimitedUnlimited0GB$8/mo
Twigby SIM Card - Cheapest talk & text plan for seniorsTwigbyBest senior planUnlimitedUnlimited0GB$13/mo
Ting SIM Card - Cheapest talk & text plan for kidsTingBest kid planUnlimitedUnlimited0GB$10/mo
US Mobile SIM Card - Cheapest talk & text plan for oneUS MobileBest individual planUnlimitedUnlimited0GB$8/mo
Good2Go Mobile SIM Card - Cheapest talk & text plan for twoGood2Go MobileBest 2 line planUnlimitedUnlimited0GB$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.