T-Mobile Visa Credit Card
No annual fee. Purchase APR 18.99–29.24%.
- Annual fee
- Issuer's pagecapitalone.com
The source states this figure; we have no exact sentence on file yet.
- Purchase APR
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Foreign transaction fee
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $240 | $240 |
| Typical spender | $600 | $600 |
| Heavy spender | $1,320 | $1,320 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 95% of the 650 cards we track.
- No annual fee, like about 85% of the 626 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
How you earn · T-Mobile Rewards
- 5%Qualifying Purchases made online at T-Mobile.com and in the T-Life app, and at T-Mobile stores and Authorized Retailers; qualifying purchases include phones, devices, and accessories.
- 2%Everything else
Rates and fees
| Annual fee | Issuer's pagecapitalone.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Foreign transactions | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- T-Mobile AutoPay discount: $5 monthly
- $5 off per line per month when using the card for T-Mobile AutoPay on eligible plans, up to 8 lines; enrollment in Wireless AutoPay using the card is required.
- Exclusive offers and discounts for cardholders, including deals on dining, travel, and more.
- Rewards may be redeemed toward a T-Mobile wireless bill or purchases of phones, devices, or accessories at eligible T-Mobile channels.
- Rewards can be tracked and managed through the T-Life app, Capital One online account, or Capital One Mobile app.
- No annual fee.
- Rewards can be redeemed anytime, subject to the stated redemption restrictions.
- Access to Visa Signature benefits.
Questions
- What is the annual fee?
- No annual fee capitalone.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026
- What is the purchase APR?
- 18.99–29.24% APR Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
- What credit do you need?
- Good-Excellent capitalone.com, since Sep 29, 2026
Other cash back cards with no annual fee
- Susan G. Komen Customized Cash Rewards Credit Card - Pink RibbonBank of America · No annual fee+$110 a year
- The One Key Card No Annual FeeWells Fargo · No annual fee+$50 a year
- West Elm Key Rewards VisaCapital One · No annual fee+$25 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).