T-Mobile is officially launching its own Visa credit card, and it has one killer feature. It’s the only credit card that will let you keep your monthly AutoPay discount.
T-Mobile’s new credit card is (almost) here
After months of rumors and leaks, T-Mobile is jumping into the credit card game. According to a new report, the official info page for the new T-Mobile Visa, which is backed by Capital One, has gone live—though the “apply” button doesn’t work just yet, suggesting someone may have flipped the switch a bit early, though it was spotted in its “staging” status just a couple of days ago.The card is aimed squarely at T-Mobile subscribers, and its features are built entirely around the T-Mobile ecosystem.
Here’s what the T-Mobile Visa offers
- No annual fee
- Exclusive to T-Mobile postpaid customers
- 5% rewards on T-Mobile device purchases
- 2% rewards on all other purchases (including your T-Mobile bill)
- The main perk: It’s the only credit card eligible for T-Mobile‘s $5/line AutoPay discount.
Everything will be managed through the T-Life app, from checking balances to applying rewards back to your bill. There are also hints of exclusive T-Mobile Tuesday benefits for cardholders.
Why this card actually matters
You will be able to manage the T-Mobile Visa card from within the T-Life app. | Image credit — T-Mobile
It’s not because of the rewards structure, because it is just okay. The real story here is the AutoPay discount. T-Mobile just dragged its customers through a mess by forcing everyone to link a debit card or bank account to keep that $5/line discount. This was a move that, understandably, annoyed a lot of people who prefer the security and rewards of using a credit card.
This new card is T-Mobile‘s “solution” to a problem they created. Suddenly, the only way to get the discount and keep the protection of a credit card is to use their credit card. While Verizon has its own Visa, its reward structure is different (focusing on gas and groceries). T-Mobile’s card is laser-focused on solving this one, specific AutoPay pain point.
My take on this (very convenient) timing
The timing of this feels incredibly cynical. T-Mobile created a major customer headache by yanking AutoPay discounts from all credit cards, waited for the dust to settle, and is now rolling out their card as the hero. It’s a smart business move, but it feels a lot like a squeeze play.So, should you get it? If you’re a T-Mobile postpaid customer who was (rightfully) miffed about having to link your bank account, then yes. This card was quite literally designed to solve the exact problem T-Mobile introduced. For that reason alone, it will probably be a huge hit, even if the base rewards aren’t revolutionary.
