T-Mobile Prepaid - $3 Prepaid & $30 Unlimited

Attaining Gold Rewards status on T-Mobile Prepaid plans means you get good rates on pay as you go plans on feature phones for year long service. For your smartphone, you can check out the unlimited plans.

Table of Contents

1 - Plan Description

2 - Feature Phones

3 - Smartphones

4 - User Reviews & Questions

Spring 2013 Update: T-Mobile Stops Offering Traditional Contract Plans

T-Mobile has stopped offering two-year contracts. Instead of subsidizing the cost of the phone by locking you into a contract, they now let you pay for your phone on an installment plan instead, however, if you leave, I think you have to pay the outstanding balance.

They still maintain a separate prepaid plan where you pay for the phone up front. One advantage of these plans is that there is no credit check and no additional fee. You can take these phones and activate them on other compatible plans.

Rates - Updated: New Monthly Plans

The plans are pretty good. This is surprising because T-Mobile previously  concentrated on their contract plans by offering various deals some of which can admittedly make sense for a large family of cell phone users. Three kinds of prepaid plans are available:

  • Monthly
  • Pay by the Day
  • and Pay As You Go


Monthly plans range from $30 to $80 per month depending on the amount of high-speed data you need. All these plans offer unlimited text (including international text) and data.

$30 per Month Plan - Unlimited Data and Text plus 100 minutes

You get unlimited text and data (including up to 5 GB high-speed data!), but you only get 100 voice minutes. This is probably a great plan for teenagers who mostly text and rarely talk (on the phone that is). You have to activate your device with T-Mobile online or at a Walmart to be able to sign-up for this plan.

As a comparison, Kajeet, the cell phone plan for kids has a unlimited texting plan for $14.99 a month that also includes 60 voice minutes, you have to pay extra for data. This is designed for children who send more texts than make calls, but allows for a few calls without having to spend more than $15 per month.

$80 per month Plan

The $80 per month plan gives you unlimited talk, text and data (including unlimited high-speed data).

The plans in-between these two extremes offer varying amounts of high-speed data to go with unlimited talk and text.

There is also a Simple Starter plan wedged in there at $45 per month that include 2 GB of high-speed data.

Pay by the Day Plans

The Pay by the Day plans are very similar to GoPhone and Verizon plans. You are charged $2 or $3 on the days you use your phone depending on whether you want access to 200 MB of high-speed data or are willing to settle for slower 2G data.

When T-Mobile Deducts the daily charge

You balance is deducted on the days you use your phone.

Pay As You Go Plan - As Low as $3 per Month

With the Pay as You Go service, your cost per minute depends on which prepaid refill cards you buy. You get about 10 minutes when you activate - after that you have to add airtime.

All of these prepaid plans are available with their prepaid starter kits.

Prepaid Refill Cards and Gold Status

Refill cards come in denominations for $10, $25, $50 and $100 dollars, with the last one being the best value.

  • $10 for 30 minutes of airtime expiring in 30 days (33 cents per minute)
  • $25 for 130 minutes expiring in 90 days (28 cents per minute)
  • $50 for 400 minutes also expiring in 90 days (12.5 cents per minute), and
  • $100 for 1000 minutes (10 cents per minute) expiring in one year.

So for $100 plus the cost of the phone, you get 1000 minutes good for one whole year.

$3 per Month Refill/Protection Service

With a $3 per month plan, you get 30 minutes or texts and you make sure that you keep your phone number and service active. This is one of the lowest monthly rates available if you just want to use your phone for emergencies.

Get Bonus Minutes with Gold Status

You receive bonus minutes once you buy the $100 airtime refill card or any combination of $100 in airtime refills. This gets you Gold status and a 15% airtime bonus.

Where to buy T-Mobile Refill Cards

Refill cards are available all over the place: at convenience stores such as Circle K and 7-Eleven, pharmacies like Eckerd and Walgreens, and superstores like Walmart, Costco and Office Depot.

You can also go direct to T-Mobile to refill your airtime online.

Cheap Prepaid Cards

The best deal is the $100 one-year card directly from T-Mobile or from a retail store. You get 1000 minutes spread out over a year for $8.33 a month.

How to Check Your Airtime Balance

You can check your airtime balance from your phone by calling #999# from your handset. You will get a free text message back with your airtime balance. You can also dial 1-877-778-2106 from any touch-tone phone. You can also login to your online account and check your balance there.


Messaging options include text messages, picture messages and instant messaging.

Text Messages

Text messages cost 10 cents to send and are free to receive.

Picture Messages

Picture messages cost 25 cents to send as well as receive.

Instant Messaging

Most phones are compatible with Yahoo, AOL, MSN and ICQ instant messaging services. You are charged for airtime when you use these services.

Keeping your Number

You can keep your number if you refill your account within 90 days after your minutes expire. This is really good. Other plans recycle your number pretty quickly.

You can even buy minutes online for someone else, a convenience if you've got children away in college or summer camp.


Phones available range from a basic flip phone, to smartphone starting at $95 for a ZTE Zinger to an iPhone 5S for $595. These prices include the SIM card and $30 airtime card.

Actually, I was curious and a little annoyed about the separate charge for the SIM card for one of their own phones, so I hit up the chat box on T-Mobile's site:

SIM card chat

The support rep was nice enough and straight-forward, but I wasn't that happy with the answer. I guess one should just consider it a kind of activation fee, with the advantage that you could later on use another phone on it. I actually forgot to ask her if there was a way to avoid paying for the starter kit if you already had a t-mobile SIM card from another phone. 

Flip Phones and Basic Phones

Basic models include flip phones like the red LG GS170Samsung T139 and the open-face Nokia 1661.


You also have a couple of choices of handsets with QWERTY keyboards. The Sparq offers a sideways-sliding QWERTY keyboard and an FM radio. The Samsung T359 squishes its keyboard into a compact form. The Nokia X2 and the Blackberry 8520 offer traditional vertical keyboard. Finally, there's the latest version of the Sidekick  still hanging around.

Android Smart Phones

Prepaid Android phones available from T-Mobile include a few 4G models such as various permutations of the Samsung Galaxy and the LG Optimus lines.

There are also non-4G smartphones available at lower prices.

The phones aren't always in stock. Most starter kits, for the basic phones at least, come with a (wired) hands-free headset and $10 starter airtime. Sometimes there are offers for a bonus refill card with your purchase.

Already Got an Unlocked GSM Phone?

You can get just a prepaid SIM card and activate your unlocked phone.

You get free overnight shipping on these Starter Kits. So buy them online and save on gas.

Plus online activation is easy.

T-Mobile Prepaid Coverage

usa t-mobile coverage map

I just wanted to add a quick note about coverage. T-Mobile coverage used to be somewhat lacking, but they've improved it. In my case, the area where I used to live used to be in their roaming area, but now has great coverage. You can check your own street-level coverage for on either their 4G LTE network or their traditional network for yourself by punching in your address and zipcode.


For example, I used a borrowed T-Mobile phone on a car trip from Western New Jersey to Buffalo, New York. We went through some pretty rural areas, and the coverage and signal strength were quite good.

Get T-Mobile?

Whether you want to get Gold rewards with the Pay As You Go Plans or choose a smart phones to use with their no annual contract plans, T-Mobile is worth checking out.