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Cheapest Talk & Text Plans in 2022

What is the cheapest unlimited talk & text plan?

Cheapest talk & text
Powered by:
0GB 4G/5G data
$5/mo*$10/mo

See Deal

* $5 Off for 3 Months
Prepaid talk & text
Powered by:
0GB 4G/5G data
$8/mo
BYOP talk & text
Powered by:
0GB 4G/5G data
$8/mo

See Deal

* FREE 10-Day Trial
Family talk & text
Powered by:
0GB 4G/5G data
$10/mo
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 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
Powered by:

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

Cheapest unlimited 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
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 5GB

5GB

$19

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

Cheapest unlimited 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
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 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

Cheapest talk & text 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
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 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

Cheap unlimited talk & text plans

By Rob Webber - Last updated on
Check Carrier Coverage

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

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


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

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 network coverage

NETWORKOVERALLRELIABILITYSPEEDDATACALL
Verizon Coverage9596949694
AT&T Coverage9494959692
T-Mobile Coverage8688828982

Source: Rootmetrics

Find Cheap Cell Phone Plans in Your Area

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

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.
CarrierBest for...MinsTextsDataPrice
Twigby SIM Card - Cheapest prepaid talk & text planTwigbyPrepaid talk & text planUnlimitedUnlimited0GB$10/mo
Tello SIM Card - Cheapest unlimited talk & text plan for seniorsTelloSenior talk & text planUnlimitedUnlimited0GB$8/mo
US Mobile SIM Card - Cheapest unlimited talk & text plan for kidsUS MobileKids talk & text planUnlimitedUnlimited0GB$8/mo
Good2Go Mobile SIM Card - Cheapest talk & text plan for oneGood2Go MobileIndividual talk & text 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.

Big wireless coverage at small prices