Best-of ranking 5 prepaid plans ranked · Prices checked Oct 25, 2026

Best Prepaid Phone Plans in 2026

Prepaid stopped being the budget compromise years ago. Today's prepaid plans run on the exact same Verizon, AT&T, and T-Mobile towers as postpaid. You skip the credit check, the contract, and the overhead, and you keep $20–$50 a month. The only real trade-off is that your data may be deprioritized behind the carrier's own postpaid customers when a tower is congested.

How we judged these plans ▾

Prepaid stopped meaning second-class years ago, but the gap between brands is wide. We judge on Value for Money, Network Reliability & Speed, Hotspot & Features, and Customer Experience, and note where a plan is deprioritized behind postpaid traffic.

We rank prepaid plans on real, all-in monthly cost against the network and features you actually get, not the advertised teaser. Each price comes from the carrier's own page, and we flag any rate that's intro-only, requires annual prepay, or climbs after a promo window.

Beyond price, we weight network quality (which major carrier's towers the plan uses and how it's prioritized during congestion), support (app-only vs. real retail and phone help), and stickiness: whether the good rate lasts or resets. We penalize plans that hide taxes, cap speeds without disclosure, or bury the real price behind a large upfront payment.

Prepaid is not lower-coverage. Every plan here rides Verizon, AT&T, or T-Mobile (the same signal as postpaid costing far more). The practical difference is possible deprioritization in congestion and, on some brands, digital-first support instead of a store.

Scores are the same ones shown in each plan's full review. The order here also weighs price and simplicity, so a lower-scoring plan can rank higher when it costs less for what most people need.

First Not sure how much data you actually need? Seven questions and you’ll know which tier to shop. Work it out →
Our verdict

Visible, at $25/mo

Visible runs on Verizon's network and gives you unlimited data, talk and text for a flat $25 a month, taxes and fees included, with no promo end date and no contract. It isn't our highest-scoring plan, but nothing else gets you Verizon coverage this simply at this price.

The catch: Support is app-only with no retail stores, and data deprioritizes behind Verizon postpaid in heavy congestion.

Check price at Visible →
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New to prepaid and worried about coverage? Test a carrier free before you commit with our free carrier trials guide: activate an eSIM, check signal at home and work, and only port your number once you're sure.

At a Glance

Plan Network Price Best for
Visible Verizon $25/mo Best prepaid overall
Mint Mobile 6GB T-Mobile $15/mo Best prepaid value
US Mobile Unlimited Starter Verizon / T-Mobile $25/mo Most flexible
Cricket Supreme Unlimited AT&T $55/mo Best with retail support
Metro 6-Month Unlimited T-Mobile $20/mo Best prepaid deal on T-Mobile
Swipe the table to compare all columns

What a year costs

Every plan on this page, annualised. Top to bottom, the gap is $480 a year.

Shorter bar — less per year Longer bar — more per year
Mint Mobile 6GB
$180/yr
Metro 6-Month Unlimited
$240/yr
Visible
$300/yr
US Mobile Unlimited Starter
$300/yr
Cricket Supreme Unlimited
$660/yr

Why These Plans Win

Every plan is scored against the same four pillars. Here is why each one made the ranking, who it fits, and what to watch for.

1
Visible Best prepaid overall
Visible runs on Verizon's network and gives you unlimited data, talk and text for a flat $25 a month, taxes and fees included, with no promo end date and no contract.
Price verified November 2, 2026
$25/mo
See the verdict above
Best for Anyone who wants worry-free unlimited data on Verizon's network at one honest flat rate.
2
Mint Mobile 6GB Best prepaid value
Mint's 6GB plan is $15 a month on T-Mobile's network when you buy 12 months upfront, the lowest headline price in this list.
Price verified November 2, 2026

Mint's 6GB plan is $15 a month on T-Mobile's network when you buy 12 months upfront, the lowest headline price in this list. On a 6-month plan it's $20 a month. Taxes are extra. A 7-day eSIM trial lets you test coverage before you buy.

Best for Prepaid-comfortable users happy to prepay a few months for a rock-bottom rate.
Watch for You pay the whole plan upfront, taxes are added on top, and 6GB is tight if you stream on cellular.
3
US Mobile US Mobile Unlimited Starter Most flexible
The only prepaid brand that lets you pick Verizon or T-Mobile at signup.
Price verified November 2, 2026

US Mobile lets you pick Verizon or T-Mobile at signup. Unlimited Starter is $25 a month, or $199 for the first year on the annual plan (about $16.58 a month, renews at $270), taxes and fees included. If you want priority data and more hotspot, Unlimited Premium is the step up.

Best for People who want to match the network to their area and dial features up or down.
Watch for The best price needs the annual plan, and Starter's data can slow behind other customers when a tower is busy.
4
Cricket Supreme Unlimited Best with retail support
AT&T-owned Cricket pairs a solid unlimited plan on AT&T's network with something most prepaid brands lack: real stores and walk-in help.
Price verified November 2, 2026

AT&T-owned Cricket pairs a solid unlimited plan on AT&T's network with something most prepaid brands lack: real stores and walk-in help. Supreme Unlimited is $55 a month with AutoPay ($60 the first month), taxes included, and per-line pricing drops on family lines.

Best for Buyers who want AT&T coverage plus in-person help and multi-line family savings.
Watch for One line costs more than digital-only rivals; the best value needs 3 or 4 lines. Cricket's 12-Month Unlimited ($300 for a year, BYOD) is cheaper if you can pay upfront.
5
Metro 6-Month Unlimited Best prepaid deal on T-Mobile
T-Mobile's network for $20 a month when you pay 6 months upfront, plus stores nationwide.
Price verified November 2, 2026

Metro's 6-Month Unlimited is $120 upfront for six months, $20 a month, taxes included, for new customers who bring their own phone. You get T-Mobile coverage and Metro's stores, and Metro still runs free-phone offers on its monthly plans if you'd rather get a new phone.

Best for New customers with their own phone who want T-Mobile coverage at the lowest price and are fine paying 6 months upfront.
Watch for It's for new customers only and you pay upfront. Metro's monthly plans cost more ($25 BYOD with AutoPay up to $55 for Unlimited Premium).

Also Worth Considering

Plans that didn’t make the ranking but are the right answer in a narrower case.

Boost Mobile
Boost
Cheap unlimited

$25 a month unlimited with AutoPay, for life while the line stays active, on Boost's own 5G network with AT&T and T-Mobile roaming.

Read more →
Total Wireless
Total Wireless
Verizon on a budget

The cheapest easy way onto Verizon's network with true unlimited and multi-line deals.

Read more →
Tello
Tello
Build-your-own

Custom low-data plans from $10 on T-Mobile's network: unbeatable for light users.

Read more →
Straight Talk
Straight Talk
Walmart convenience

Cheap unlimited on Verizon's network, sold in Walmart stores nationwide.

Read more →
Consumer Cellular
Consumer Cellular
Best for seniors

AARP discounts and easy US-based phone support on AT&T/T-Mobile towers.

Read more →
Google Fi Flexible
Google Fi
Pay per gig

Data billed per gig, so it suits very light or very uneven use.

Read more →

How to Choose

The questions that decide it, in the order worth asking them.

Which network works where you live?

Pick the plan whose underlying network is strongest at your home, work, and commute: Verizon (Visible, US Mobile, Total), AT&T (Cricket, Straight Talk), or T-Mobile (Mint, Metro, Tello). A cheap plan on a weak network is a false economy. Test it free before you port your number.

Do you want app-only or real support?

The lowest prices are usually digital-first. If you're comfortable self-serving in an app, Visible, Mint, and US Mobile save the most. If you want a store or an easy phone line, Cricket and Metro (retail) and Consumer Cellular (phone support) are worth a few dollars more.

Are you comfortable paying upfront?

Some of the best rates (Mint, US Mobile annual, Metro and Cricket multi-month plans) need several months paid upfront. If you can commit, you'll get the lowest price. If you'd rather stay flexible, Visible and Boost give you their best rate month to month with nothing to prepay.

Do you need a new phone?

If you're bringing your own phone, the digital MVNOs (Visible, Mint, US Mobile) are cheapest. If you want a free or discounted phone bundled in, Metro and Cricket run the most aggressive switch-and-save promos. Just read the porting and trade-in requirements before you count on the deal.

Best Plans by Use Case

Best Prepaid Overall
Visible

Flat $25/month unlimited on Verizon's network, all-in, with no promo expiration or contract.

Runner-up: US Mobile Unlimited for pick-your-network flexibility.

Best Prepaid Value
Mint Mobile

$15 a month for 6GB on T-Mobile's network when you buy 12 months upfront, plus tax: the lowest headline price in prepaid.

Runner-up: Tello build-your-own from $10 for light users.

Best Prepaid for Families
Cricket

Per-line pricing drops sharply at 3 or 4 lines on AT&T's network, with retail support for the whole family.

Runner-up: US Mobile multi-line on Verizon or T-Mobile.

Best Prepaid for Switchers
Metro by T-Mobile

Free-phone offers when you switch to a monthly plan, or $20 a month on the 6-Month Unlimited if you bring your own phone.

Runner-up: Cricket for AT&T coverage with a store to visit.

Best Prepaid for Seniors
Consumer Cellular

AARP discounts, cheap low-data tiers, and genuinely easy US-based phone support.

Runner-up: Tello's low-data build-your-own for tech-comfortable users.

Frequently Asked Questions

What is the best prepaid phone plan in 2026? +
Visible is our top overall pick: $25 a month for unlimited talk, text and data on Verizon's network, taxes included, with no promo end date or contract. For a smaller data need, Mint Mobile's 6GB plan is $15 a month on a 12-month plan (plus tax), and US Mobile is the most flexible if you want to choose your network.
Is prepaid as good as postpaid? +
For coverage, yes: prepaid plans use the same Verizon, AT&T, and T-Mobile towers as postpaid. The differences are that prepaid data can be deprioritized behind the carrier's own postpaid customers during congestion, and support is often app-first. In exchange you skip credit checks and contracts and typically save $20–$50 a month.
Can I keep my phone and number on a prepaid plan? +
Almost always yes. Prepaid carriers are BYO-phone friendly, and number portability is free and legally guaranteed. Check the carrier's compatibility checker with your phone's IMEI before ordering a SIM, and never cancel your old service until the port completes, usually within 24 hours.
Do prepaid plans require a credit check? +
No. Skipping the credit check is one of prepaid's core advantages. You pay for service in advance, so there's no credit inquiry and no deposit. That makes prepaid a good fit for anyone building credit, avoiding a hard pull, or who simply doesn't want a long-term contract.
Are taxes and fees included in prepaid prices? +
Not always, so we say which. Visible, US Mobile, Cricket and Metro include taxes in the price. Mint, Tello, Google Fi and Consumer Cellular add taxes on top. Prepaid brands more often build taxes into the price than postpaid carriers do.
Which prepaid phone companies are there, and whose network do they use? +
Verizon's network: Visible, Total Wireless, Straight Talk, Tracfone and Verizon Prepaid. T-Mobile's: Mint Mobile, Metro by T-Mobile, Tello, Ultra Mobile and Google Fi. AT&T's: Cricket and AT&T Prepaid. Consumer Cellular uses AT&T and T-Mobile, US Mobile lets you pick Verizon, T-Mobile or AT&T, and Boost Mobile runs its own network with roaming on AT&T and T-Mobile. Our carrier hubs cover each one's plans in detail.
What's the catch with cheap prepaid plans? +
Three things to watch: some low rates are intro-only and step up after a promo window; a few require paying 3–12 months upfront to unlock the best price; and during heavy network congestion your data may slow behind the carrier's postpaid customers. We call out each of these in the plan notes above so there are no surprises.

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