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January 26, 2026
Plans

Sorting through the advertising noise to find the best cell phone plan can be confusing. Should you go with a carrier that claims to have “America’s largest 5G network”? (T-Mobile) Should you opt for one that offers a huge menu of extra perks? (Verizon) And what about that one brand that Ryan Reynolds is always talking about? (Mint Mobile)
Fortunately for you, we’ve pored through hundreds of options to identify the best cell phone plans of every stripe, from premium plans to budget plans, and multi-line family plans to plans you can bundle with your internet service. Read on as we break down the very best cell phone plans for the money in 2026.
Why You Should Trust Us
I've been writing about the wireless industry for over ten years, covering almost every cell phone carrier and plan under the sun.
For this guide:
- I surveyed the entire cell phone industry and developed a scoring system that helped rank cell phone plans according to their respective features and costs. The plans listed in this article were the ones that scored the best according to cell phone coverage, customer service support, and cellular and hotspot data allowances.
- Where I could, I independently tested each service and factored this performance into my scoring system.
We culled our list of the best cell phone plans from a market of hundreds of them. To qualify, the plan had to be offered from an established carrier with a good reputation, and backed by both solid cell phone and well-rounded customer support. This rigorous vetting process helped us narrow down our list of potential carriers to the following:
The best premium cell phone plans can be found in the postpaid carrier market, where a combination of high-speed cellular data, dedicated hotspot data, extra perks, and powerful cell phone coverage are common. Here are the three best premium plans from Verizon, T-Mobile, and AT&T.
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If you’re on something of a budget, you’ll want to look to the prepaid market for your next plan. Prepaid carriers tend to offer comparatively stripped-back, wallet-friendly options, requiring upfront payment for service. The upside of this arrangement is that you won’t be subject to a credit check when you first sign up.
One thing to be aware is that prepaid carriers (MVNOs) piggyback off of major carrier cellular networks to provide coverage to their customers. While this is generally a positive, since it translates to nationwide 4G and 5G service, it also means data speeds may be slowed during times of network congestion. That’s because major carriers tend to prioritize their own customers ahead of MVNO customers when their networks are particularly busy.
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One open secret of the cell phone industry: you can get very cheap service from most carriers when you sign up for multiple lines. In essence, the more lines you sign up for, the more you save. This can allow you to get feature-rich premium plans for far less than you’d otherwise pay.
In that spirit, here are three major carrier plans that would normally cost a lot more were it not for the multi-line discounts.
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If you’re signed up with a major Internet Service Provider (ISP) for your home WiFi service, there’s a better than average chance that the company you’re with also offers low-cost mobile service as well. Indeed, Cox, Spectrum, Xfinity, and Optimum have all gotten into the cell phone service game, and sell high-value, inexpensive plans to their current internet customers.
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Before rushing off to sign up for a new cell phone plan, you’ll want to consider the following.
There are three major cell phone networks in the country: Verizon, T-Mobile, and AT&T. All three offer national 4G LTE and 5G service, but they are not created equal.
By the numbers, AT&T offers the most wide-reaching combination of 4G and 5G service. Check out AT&T’s cell phone coverage map below:
While AT&T is technically the overall coverage leader, T-Mobile actually wields the best nationwide 5G network, covering more corners of the country than any of its competitors. Check out T-Mobile’s 5G coverage map, and scroll to your specific area to see what kind of coverage is offered there:
Verizon, the largest cell phone carrier in the country, is no slouch either. While the company’s cell phone coverage dominance has slipped a little in recent years, it’s still impressive. Check out Verizon’s cell phone coverage map below:
As previously mentioned, every sub-carrier, or MVNO, uses one or more of these major networks to provide service to its customers (with one exception—Boost Mobile uses Dish). That’s why the major carrier network coverage debate is relevant to prepaid brand customers, or potential prepaid brand customers, as well.
The great thing about cell phone plans these days is that many of them include valuable add-ons. The major carriers (Verizon, AT&T, and T-Mobile) generally offer the most perks with their cell phone plans. This includes dedicated hotspot data, international roaming privileges, streaming subscriptions, and more.
Of the three, T-Mobile includes the most perks with their plans—everything from free Netflix with Ads to in-flight WiFi. Verizon, on the other hand, has shifted its perks into its so-called myPlan, an a la carte menu of sorts that allows you to add them on for an extra $10-$15/month per perk. AT&T has done away with streaming extras completely, but does include large hotspot allotments and international data with some of its unlimited plans.
The prepaid brands tend to offer comparatively fewer perks than major carriers (apart from hotspot data), savings which they are able to pass on to their customers. A few, however, like Metro by T-Mobile, do offer more perks than others.
Sometimes there’s no substitute for in-person help when you’re having an issue with your plan or phone. That’s where major carriers have the advantage: all three brands have tons of shops throughout the country, so you’re probably not far from in-store customer service. What’s more, these big carriers all offer 7-day/week phone support.
While certain smaller brands like Metro by T-Mobile, Cricket Wireless, and Boost Mobile operate brick and mortar stores, most do not. That means you’ll need to rely on phone and online support when you need it—sometimes with limited hours.
Selecting a cell phone plan is only half of the equation—phones are the other half.
All of the carriers mentioned on this list sell a wide variety of new phones that can be purchased outright or via monthly installments. This includes the latest iPhones, Samsung phones, Google Pixel devices, and other Android brands like Motorola. Plus, carriers are constantly running trade-in deals for new customers and existing ones alike, if you’re ready to swap your current smartphone for a newer one. If iPhone On Us, $0 up-front phone cost promotions are important to you, those kind of deals typically go hand-in-hand with premium plans.
Alternatively, you can bring your device (BYOD) to any carrier, whether you’re going with a prepaid plan or a postpaid plan. Activation tends to be quite easy, and all you have to do is pop a new SIM card into your own phone, or it can be done digitally via eSIM. Avoiding costly phone repayment installments is a great way to keep your monthly bills in check.
Designating the best cell phone plan is hard, since it depends on one’s personal needs and preferences. For those seeking a feature-rich plan, we think T-Mobile’s Experience More is one of the best.
AT&T offers the best combined 4G and 5G coverage in the country, though T-Mobile has a more powerful 5G network.
Verizon is the biggest cell phone carrier in the United States, with a bigger market share than competitors AT&T and T-Mobile.
Here’s another ISP mobile carrier that—you guessed it—uses Verizon’s national network to provide service to its subscribers. Cox Mobile’s Unlimited Gig is the carrier’s one and only unlimited plan, featuring 20GB of high-speed cellular data and 5GB of dedicated hotspot data. While it’s a bit more expensive than the aforementioned Spectrum Mobile plan, the plan is still quite affordable.
Spectrum Mobile is another ISP slash mobile carrier that offers low-cost plans aboard Verizon’s reliable national network.
The best of the bunch is Spectrum’s Unlimited Plus, which includes 50GB of high-speed data, a 10GB high-speed mobile hotspot allowance, and free roaming in 180 countries. All for a reasonable $40/month.
Xfinity Mobile's plans are extremely inexpensive, undercutting major carriers Verizon, AT&T, and T-Mobile—and many prepaid carriers as well. This alone makes the carrier worth a look, but fortunately that's not all it has to offer: Xfinity Mobile also boasts excellent coverage aboard Verizon's powerful network.
Premium Unlimited is Xfinity Mobile's best plan, including as it does a massive 100GB allotment of premium cellular data, coupled with a monthly 30GB hotspot data allowance. It also comes with Elite Upgrade—a perk that offers phone upgrades twice a year—as well as 4K UHD video streaming.
While it's not chocked full of extra perks (streaming subscriptions, international privileges) like the major carrier plans on this list, Premium Unlimited is nonetheless worth a look if you're on the hunt for a low-cost, high-value plan, and you happen to be signed up with Xfinity for your internet service already.
If you're on the hunt for a great family plan, we suggest taking a look at the carrier’s Unlimited Premium PL offering.
While Unlimited Premium PL is AT&T’s most expensive plan at $85.99/month for a single line, it comes down in price as you add them. Each line costs just $60.99/month, for example, when you add three, or $50.99/month when you add four.
Unlimited Premium PL is the only AT&T plan to include truly unlimited premium data, meaning you can stream, browse, or game to your heart's content without worrying about hitting any data ceilings or deprioritization. Better still, the plan includes a very generous 60GB high-speed mobile hotspot data allowance, along with unlimited talk, text, and high-speed data in 20 Latin American countries at no extra cost.
All of this makes Unlimited Premium PL one of the more feature-packed plans on the major carrier market. AT&T subscribers seem to understand this, as more people sign up for the plan (26.2%) than any of the carrier's other offerings.
Another family plan worth checking out is Verizon’s $80/month Unlimited Ultimate. The carrier's most premium offering comes with unlimited talk, text, and data, and access to Verizon’s fast and reliable 5G network. What really sets this plan apart, though, is its massive 200GB mobile hotspot data allowance—which is nearly enough to power your home internet!
But that's not all: Unlimited Ultimate comes with a bevy of awesome international perks, namely unlimited talk, text and 15GB of data to use each month when traveling internationally in 210+ countries. This makes the plan one of the best options on the market for those who travel abroad. It's Verizon's third-most popular plan, with 24% of subscribers opting for it over the carrier's other options.
Unlimited Ultimate comes down in price to $65/month per line when you add three lines, or just $55/month per line when you add four. If you have a data-hungry family that does a lot of hotspotting, this is the plan for you.
One of the best family plans available right now is T-Mobile’s Experience Beyond. It costs $100/month for one line, but comes down to a reasonable $56.66/month per line when you sign up for three lines, or $53.75/month per line when you add four.
While it's still on the expensive side, Experience Beyond packs in a lot for the price. This includes truly unlimited premium data—no deprioritization, ever—plus a massive 250GB mobile hotspot data allowance, free Netflix With Ads, and free HULU.
And don't sleep on the international perks: Experience Beyond also includes unlimited text, 30GB of high-speed data in Canada and Mexico, unlimited text, and 15GB of high-speed data in 215+ countries, and free in-flight WiFi where available. All told, the plan has just about everything to keep every member of your family happy.
Google Fi is a long-running prepaid cell phone carrier that’s owned by tech company Google. The brand has emerged as one of the most popular providers on the market around, thanks to its stable of low-cost, high value plans, solid customer service, and excellent coverage.
Google Fi primarily leverages T-Mobile's network to provide service to its customers, including its powerful 5G network. That means all of Google Fi's plans come backed by excellent coverage.
The carrier’s Unlimited Standard is undoubtedly one of the best budget plans on the market, with a price tag of just $25/month (with current promotion) when you prepay for 18 months of service.The plan includes 50GB of high-speed premium cellular data, plus a healthy 25GB of dedicated hotspot data. Service in Mexico and Canada is also included for free.
Visible by Verizon is another major carrier-affiliated prepaid carrier that sells low-cost unlimited data plans that come backed with great national coverage (via Verizon).
Visible has become quite popular in recent years—with good reason. The carrier's prices gives competitors Mint Mobile a run for their money, and the backing of a major carrier is comforting for those making the jump to prepaid market.
Visible’s basic Unlimited plan costs just $25/month, and includes unlimited talk & text in Mexico and Canada. The only knock on this plan is that the unlimited mobile hotspot data is limited to 5 Mbps speeds, which is pretty glacial for most tasks. Still, the may be a worthwhile tradeoff given the plan's low price.
If you’re on the hunt for an inexpensive unlimited plan, Mint is worth a look. Owned by T-Mobile, Mint delivers reliable nationwide 5G and 4G LTE coverage at a fraction of the cost of major carriers like Verizon, AT&T, and T-Mobile itself. Its no surprise that Mint has long been the go-to for those looking to save on their cell phone plan.
Mint's Unlimited plan gives you truly unlimited data—the carrier has done away with the data cap—though you may experience slower speeds during times of congestion on the T-Mobile network (more on that later). It also features a dedicated 10GB high-speed mobile hotspot data allowance that doesn’t come out of your primary cellular data.
Mint Mobile’s Unlimited plan costs $30/month when you prepay for 3 months, but goes down to just $20/month when you pay for 12 months.
AT&T's Unlimited Extra EL is one of our favorite premium plans on the market. It includes just enough perks (dedicated hotspot data, international usage privileges) to justify its $75.99/month price tag
Plus, the plan comes backed by the best combined 4G and 5G coverage in the country, meaning you can enjoy all its features in more places than any other cell phone carrier.
Unlimited Extra EL includes 75GB of premium (i.e., un-deprioritized) data to use each month, along with 30GB of mobile hotspot data, and Mexico and Canada calling and texting. Not surprisingly, Unlimited Extra EL is the second-most popular AT&T plan in the carrier's stable, with about 26% of subscribers signing up for it on average.
Another great premium plan is Verizon’s Unlimited Plus. At $70/month, it includes some excellent features: access to Verizon’s fast 5G Ultra Wideband network coverage, truly unlimited premium data (no deprioritization, ever), a 30GB mobile hotspot data allowance, unlimited talk, text, and data in Mexico and Canada, and unlimited texting to over 200 countries. All of this helps to explain why it's the second-most popular Verizon plan, with 38.4% of new subscribers opting for it over the carrier's other options.
With Verizon, you can count on decent customer support, a large selection of devices, excellent coverage, and the ability to add all sorts of features (streaming subscriptions, international data, etc.) onto your plan.
If you want to supercharge your plan with additional perks, you can choose from a wide selection of them via Verizon myPlan. At $10/month (with the exception of Apple One, which costs $15/month), they’re cheaper than they would be if you bought them separately.
Our choice for the best overall premium cell phone plan is T-Mobile’s Experience More. While it’s expensive at $85/month, Experience More includes just about everything you'd want in a top-tier plan, including unlimited premium data, a generous 60GB mobile hotspot data allowance, and a free Netflix With Ads subscription.
What's more, T-Mobile is arguably the most travel-friendly major carrier around. T-Mobile Experience More allows for full internet and texting on flights “where available,” unlimited talk, text, and 15GB/month of data to use in Canada and Mexico, and unlimited texting and 5GB/month of data in 215 countries and destinations.
The benefits of going with this plan don’t end there. Experience More is backed by T-Mobile’s strong 4G LTE and 5G coverage, not to mention 50GB/month of mobile hotspot data, and free Netflix and Apple TV subscriptions. All of this makes T-Mobile’s Experience More a great overall value.
Rest assured you’ll be able to enjoy all of these plan features aboard one of the fastest and most wide-reaching 5G networks in the country.