T-Mobile customers who’ve been frustrated about losing their monthly bill discount can finally breathe easier. The carrier just launched its own Visa credit card that brings back the $5 per line AutoPay discount that disappeared for regular credit card users earlier this year.
The new T-Mobile Visa, created through a partnership with Capital One, officially opened for applications on November 4. According to T-Mobile’s announcement, this is currently the only credit card that qualifies for the carrier’s AutoPay discount, which can save customers up to $40 monthly if they have eight lines.
Customers had previously reported spotting references to the card in T-Mobile’s app, signaling the launch was imminent. Now it’s here, and the perks go beyond just saving on your phone bill.
The card works like this: You’ll earn 5% back in T-Mobile Rewards when buying phones, devices, or accessories directly from T-Mobile. Everything else you purchase anywhere gets you 2% back. Those rewards can then be applied to your monthly bill, used toward new phones, or spent on accessories. There’s no annual fee to worry about, and T-Mobile says there are no foreign transaction fees either.
For everyday shoppers, that 2% on groceries, gas, and other purchases adds up over time, especially when you can use those rewards to offset your phone costs. The card also comes with some extra perks like discounts on hotels and rental cars through T-Mobile’s travel booking portal, plus a limited-time fuel discount at Shell stations on Tuesdays.
The timing is interesting. T-Mobile removed AutoPay discounts for regular credit cards back in 2023, pushing customers to use bank accounts or debit cards instead—a move many people weren’t happy about for security reasons. Now, with their own branded card, they’re offering credit card users a way back into those savings, though only if you use their specific card.
If you’re a T-Mobile postpaid customer interested in applying, you can do so through the T-Mobile website starting today. Retail locations will begin accepting applications on November 10. Once approved, you’ll get a digital card right away that you can start using immediately, including for your AutoPay setup.
The card is issued by Capital One and runs on Visa’s network, so you can use it anywhere that accepts Visa cards. All the account management happens through either the T-Life app or Capital One’s mobile app, where you can track your spending, check reward balances, and manage payments.
One thing to note: T-Mobile business accounts, prepaid customers, and government accounts don’t qualify for this card. It’s exclusively for regular postpaid consumer customers with at least one active smartphone line.