The best cell phone plans under $20
We compared the best phone plans under $20 on the AT&T, Verizon & T-Mobile networks. Here are our top picks to cut your phone bill and keep your wireless coverage.
Disclaimer: MoneySavingPro is a free price comparison service but we do not provide service directly. We do our best to keep all the information up to date but there may be some discrepancies between the price you pay.
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About Rob
Rob has 15+ years experience running price comparison & review websites that empower consumers to find the cheapest cell phone services, cell phone deals, home phone, and internet providers available. He has been published in Forbes, US News, Entrepreneur, Huffington Post, Inc.
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5G wireless networks, cell phone plans, cell phone deals, MVNOs, internet services, tablets, comparison shopping, money saving, reviewing telecom products & services
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About Amanda
Amanda has 20+ years of experience as an educator. Her teaching career, paired with her love for research and technology, has led her to MoneySavingPro. Her personal experience with eSIMs and MVNOs after switching her entire family away from big wireless in the last few years has taught her the ins and outs of the industry. And saved her hundreds per month.
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Writing, editing, proofreading, researching, blogging, collaborating, communicating, CMS, eSIMs, MVNOs, 5G home internet & comparison
Last updated on November 10th, 2023
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$20 Phone plans reviewed & rated in 2023
1. Best prepaid phone plan under $20: Tello 1GB
- T-Mobile 5G & 4G LTE networks Tello operates on the T-Mobile 5G & 4G LTE networks. This allows you to receive the same wireless coverage but at a fraction of the cost.
- Unlimited talk and text
- 1GB data
- $792 in annual savings Savings are calculated comparing the cost of the Tello 1GB vs an unlimited data plan from T-Mobile, AT&T or Verizon over the first 12 months.
$9/mo
Tello phone plans keep things simple with their wireless service. None of those hidden fees or long-term contracts that'll leave you feeling trapped.
With free international calls to 60+ countries on all plans, including Canada and Mexico, and a range of data allowances suitable for light to heavy users. Check out our review about 10 cheap prepaid cell phone plans.
Pros
- T-Mobile 5G & 4G LTE wireless coverage
- Free international calling to 60+ countries
- Free mobile hotspot included
- Excellent score on Trustpilot
- eSIM compatible
Cons
- No international roaming
- No multi-line discounts
- Not only are their plans affordable for all budgets, but you can build your own plan. Depending on your usage, you get to choose how much data, minutes, and texts you need, so you're not paying for stuff you don't use.
- It's always worth checking your data usage as a set data plan could save money and help restrict excessive phone usage.
- Mobile hotspot is available with a limit of 5 GB of data.
- Tello doesn't offer any discounts if you purchase multiple lines, so if you're looking to get a plan for another family member, each line is billed as a single line at full price. However, you can still save money due to the low cost of their individual plans.
- Being online-based means that activation of an eSIM plan can take just a few clicks, or you can have a SIM card mailed to you.
2. Best phone plan for one under $20: Mint Mobile 5GB
- T-Mobile 5G & 4G LTE networks Mint Mobile operates on the T-Mobile 5G & 4G LTE networks. This allows you to receive the same wireless coverage but at a fraction of the cost.
- Unlimited talk and text
- 5GB data
- $765 in annual savings Savings are calculated comparing the cost of the Mint Mobile 5GB vs an unlimited data plan from T-Mobile, AT&T or Verizon over the first 12 months.
$7.50/mo*
$15/mo*50% Off: $45 for 6 Mths
Mint Mobile phone plans are powered by the T-Mobile network, providing the same great service at a lower cost. They offer various data allowances, including an unlimited plan with 40GB of high-speed data and unlimited talk and text.
With Mint Mobile, their transparent messaging shows how you can save more money the longer you commit. Check out our review about best cheap phone plans for one.
Pros
- T-Mobile 5G & 4G LTE wireless coverage
- Free calls to Mexico and Canada
- Free mobile hotspot with all plans
- eSIM compatible
Cons
- No international roaming
- Limited customer service
- 3-month minimum sign-up
- Mint Mobile offers mobile hotspot access with all of their plans. So you can use your phone to tether to tablets or other mobile devices, and the unlimited plan includes a 10 GB hotspot data limit.
- A minimum 3-month upfront commitment is required to subscribe. The longer commitment period means cheaper prices. Choose a 3, 6, or 12-month pricing structure available after initial commitment.
- If you're unsatisfied, Mint Mobile offers a 7-day money-back guarantee.
- You can bring your own device, so there's no need to buy an expensive iPhone. However, if you prefer a new smartphone, there are many options available, including iPhones, Samsung, and other Android models like Google Pixel, with a 0% finance over 1-2 years.
- With the Mint Mobile app, you can easily monitor your usage and manage multiple lines and plans.
- One downside is that international roaming is an additional cost, and although you get free calls to Canada and Mexico, other international countries are extra.
3. Best phone plan for kids under $20: Mint Mobile 15GB
- T-Mobile 5G & 4G LTE networks Mint Mobile operates on the T-Mobile 5G & 4G LTE networks. This allows you to receive the same wireless coverage but at a fraction of the cost.
- No talk and text
- 15GB data
- $720 in annual savings Savings are calculated comparing the cost of the Mint Mobile 15GB vs an unlimited data plan from T-Mobile, AT&T or Verizon over the first 12 months.
$10/mo*
$20/mo*50% Off: $60 for 6 Mths
Mint Mobile phone plans are powered by the T-Mobile network, providing the same great service at a lower cost. They offer various data allowances, including an unlimited plan with 40GB of high-speed data and unlimited talk and text.
With Mint Mobile, their transparent messaging shows how you can save more money the longer you commit. Check out our review about best cell phone plans for kids.
Pros
- T-Mobile 5G & 4G LTE wireless coverage
- Free calls to Mexico and Canada
- Free mobile hotspot with all plans
- eSIM compatible
Cons
- No international roaming
- Limited customer service
- 3-month minimum sign-up
4. Best phone plan for seniors under $20: US Mobile 12GB
- Verizon & T-Mobile 5G & 4G LTE networks US Mobile operates on the Verizon & T-Mobile 5G & 4G LTE networks. This allows you to receive the same wireless coverage but at a fraction of the cost.
- Unlimited talk and text
- 12GB data
- $600 in annual savings Savings are calculated comparing the cost of the US Mobile 12GB vs an unlimited data plan from T-Mobile, AT&T or Verizon over the first 12 months.
$25/mo*
*30 Day FREE Trial
US Mobile phone plans offer affordable deals on the Verizon and T-Mobile networks, with good customer service and customizable options. You can build the best phone plans to suit specific needs, with unlimited talk and text and even international roaming options.
Plus, they don't lock you into any long-term contracts, giving you the freedom to switch whenever you like. Check out our review about best cell phone plans for seniors.
Pros
- T-Mobile and Verizon 5G & 4G LTE network coverage
- Multi-line discounts for family plans
- Free trial available
- Excellent score on Trustpilot
- TV, music, & gaming subscription perks on unlimited plans
- eSIM compatible
Cons
- International calling is an extra cost
- International roaming is an extra cost
- Mobile hotspot allowance only available on unlimited plans
- US Mobile stands out with its exceptional customer service, offering 24/7 support by phone or online chat.
- Try before you buy on a 50-day trial period.
- Mobile hotspot data allowance is dependent on the unlimited plan you choose. You'll get either 5 GB, 10 GB, or 50 GB.
- With their family plans, you can save hundreds of dollars on your cell phone bill by adding multiple lines. The more lines you add, the more discount you receive.
- For extra perks, US Mobile offers streaming services like Disney Plus bundle with Hulu and ESPN, HBO Max, Apple TV, Spotify Family, PlayStation Plus, and more, with an unlimited prepaid plan and at least three additional lines.
- Available to new and existing US Mobile customers with an unlimited plan and at least three additional lines. You'll need to pay for the subscription yourself and verify it every three months for a maximum of 12 months. The extra cost will be credited to your account via Autopay.
- They may not be the best option for frequent travelers seeking reliable international coverage. Their add-on packages for roaming can be expensive, and their international calling features may not be as competitive as other carriers.
5. Best phone family plan under $20: US Mobile 12GB
- Verizon & T-Mobile 5G & 4G LTE networks US Mobile operates on the Verizon & T-Mobile 5G & 4G LTE networks. This allows you to receive the same wireless coverage but at a fraction of the cost.
- Unlimited talk and text
- 12GB data
- $600 in annual savings Savings are calculated comparing the cost of the US Mobile 12GB vs an unlimited data plan from T-Mobile, AT&T or Verizon over the first 12 months.
$25/mo*
*30 Day FREE Trial
US Mobile phone plans offer affordable deals on the Verizon and T-Mobile networks, with good customer service and customizable options. You can build the best phone plans to suit specific needs, with unlimited talk and text and even international roaming options.
Plus, they don't lock you into any long-term contracts, giving you the freedom to switch whenever you like. Check out our review about 10 cheap family cell phone plans.
Pros
- T-Mobile and Verizon 5G & 4G LTE network coverage
- Multi-line discounts for family plans
- Free trial available
- Excellent score on Trustpilot
- TV, music, & gaming subscription perks on unlimited plans
- eSIM compatible
Cons
- International calling is an extra cost
- International roaming is an extra cost
- Mobile hotspot allowance only available on unlimited plans
How to choose the best cell phone plan under $20
What network coverage do you prefer?
Network access is a key consideration wherever you live, but especially in rural areas. Luckily, low-cost carriers operate on the same 5G & 4G LTE networks as major carriers. T-Mobile scores the highest for 5G coverage, according to an Opensignal 5G Experience Report (2023). If there is a particular network you prefer, choose an MVNO that operates on that network. Use our coverage checker to find the best cell phone service in your area.
How much data do you need?
Do you really need an unlimited data plan? The big wireless companies want you to believe so, but in reality, the average monthly cellular data consumption is around 10GB. However, if you spend most of your time at home or work on Wi-Fi, it's likely your cellular data usage will be much lower. You can choose a data plan tailored to your needs with cheap cell phone providers, meaning you can pay less if you use less. But if you do choose an unlimited data plan, be aware that high-speed data is normally capped.
Is hotspot data included?
Most carriers allow hotspot data usage but limit the amount of data that can be used via tethering. The limit depends on the carrier and plan you choose. Some carriers also offer data only plans so you can access the internet on mobile devices like iPads, tablets, and mobile hotspots when Wi-Fi's not available.
What's the monthly price?
While big wireless unlimited plans cost around $75-90 per month, the best MVNOs offer budget-friendly plans, ranging from $5-35 per month without sacrificing wireless coverage and data speeds. Watch out for hidden fees & taxes; some carriers include these in the price, and others, such as Verizon and AT&T, don't.
How many lines do you need?
With big wireless, you only get the advertised price if you buy four lines. With MVNOs, the price you see is the price you pay, even for one line. Many low-cost carriers now offer further discounts for multi-line plans.
Can I bring my own phone or buy a new device?
While the big three love keeping their customers locked into a constant phone upgrade cycle, MVNOs encourage you to bring your own phone. This means you take back control and only change your phone when it suits you. If you do want to purchase a new phone, many MVNOs offer an affordable and easy way with 0% financing over 1-2 years.
Are there any deals or promotions?
Big wireless promotions can seem good at a glance. But once you read the small print, it often leads to buying things you don't need and committing to 3-year phone contracts. Many MVNOs offer short-term introductory promotional pricing for new customers, and their pricing is much more transparent.
What perks or add ons can I expect?
Most big wireless plans include "free" TV subscriptions. Initially, these seem like a great deal. However, these usually turn into a paid subscription that is automatically added to your bill a few months down the line. A few low-cost carriers, such as US Mobile, do offer plan options with free subscription services, but we generally recommend keeping these subscriptions separate so you don't end up paying for things you don't need.
Is international calling included?
Most MVNOs offer free international calls to many countries. If this is important to you, make sure to choose a carrier that includes this.
Are there parental controls?
Some Mobile Virtual Network Operators (MVNOs) provide parental controls that allow parents to monitor their children's cell phone usage and data consumption. By using these features, you have the ability to establish limits on data usage, limit access to specific apps or websites, and even keep track of your child's whereabouts. These capabilities are accessible either through subscription plans or can be adjusted in the settings of your mobile device.
Compare the cheapest cell phone plans to ensure you find the best deal.
Find the best cell phone service in your area
Compare the best phone plans under $20 per month
| Carrier | Network | Data | Price |
|---|---|---|---|
| Tello 2GB plan | T-Mobile 5G/4G Coverage | 2GB | $10/mo |
| Boost Mobile 5GB plan | AT&T & T-Mobile 5G/4G Coverage | 5GB | $5/mo $15/mo |
| Mint Mobile 15GB plan | T-Mobile 5G/4G Coverage | 15GB | $10/mo $20/mo |
| Mint Mobile unlimited data plan | T-Mobile 5G/4G Coverage | Unltd | $15/mo $30/mo |
| US Mobile 30GB plan | Verizon & T-Mobile 5G/4G Coverage | 30GB | $0/mo $50/mo |
$20 phone plan FAQs
With an AT&T MVNO, such as Boost Mobile, you can get a cell phone plan for $20 per month on the nationwide AT&T wireless network.
With a Verizon MVNO, such as US Mobile, you can get a cell phone plan for $20 per month on the nationwide Verizon wireless network.
With a T-Mobile MVNO, such as Tello, you can get a cell phone plan for $20 per month on the nationwide T-Mobile wireless network.
Recap: What is the best $20 cell phone plan?
Plans direct from Verizon, T-Mobile, and AT&T are expensive, but with low-cost carriers that are powered by the same network, you could save up to $600 a year on your cell phone bill.
With a range of plans at $20 or under, there's something for all needs and budgets.
MVNOs offer prepaid plans, so there are no more long-term commitments, and you can change your plan or cancel and switch if your needs or finances change.
Cheap phone plan guides
