T-Mobile Launches Credit Card With 2% Cashback, No FTF, 5% at T-Mobile, $5 Autopay Discount

New T-Mobile Credit Card

Direct link to card details

T-Mobile launched a new Visa card, issued by Capital One, as rumored in our prior post. The card runs on the Visa Signature network and is currently available only through the T Life app.

Applications are limited to existing T-Mobile consumer postpaid customers with at least one active line. Business, government, and prepaid accounts are not eligible.

There is no signup bonus on the card.

For a limited time, T-Mobile Visa cardholders can save 25 cents off per gallon on Tuesdays through December 23, 2025 (up to 20 gallons). 

Card Earnings

• 5% back in T-Mobile Rewards on T-Mobile purchases (phones, devices, accessories)
• 2% on T-Mobile phone bill
• 2% back on all other purchases

Rewards can only be redeemed toward your T-Mobile bill or for devices and accessories purchased through T-Mobile.

Card Details

• No annual fee
• No foreign transaction fees
• Cardholders also pay with the card and get $5 off per line per month (up to 8 lines) when enrolled in AutoPay.
• Visa Signature travel and emergency benefits
• Dining and travel discounts through T-Mobile Dining Rewards and T-Mobile Travel

Our Verdict

A 2% card with a limited T-Mobile redemption option isn’t especially newsworthy.

Still, it’s a no-fee card with no foreign transaction fee, it gets you 5% back on T-Mobile purchases and payments, and gives you the $5-per-line Autopay discount while paying with a credit card and earning 2% on the payment. (Typically credit card payments don’t get the autopay discount.)

Note: if you are currently getting the $5 autopay discount (by paying with a bank or debit card) then you won’t get another $5 discount with the new T-Mobile credit card. Basically, this is just a way to get 2% back on your phone bill payments (plus credit card protections), not really a new $5 bonus.