T-Mobile and Capital One have introduced the T-Mobile Visa credit card, designed to offer T-Mobile customers rewards on everyday purchases, which can be redeemed for T-Mobile products, accessories, and bill credits.
The T-Mobile Visa credit card is structured to provide value through its rewards program. Cardholders earn 2% in T-Mobile Rewards on all purchases made anywhere Visa is accepted. Additionally, customers receive 5% in T-Mobile Rewards on purchases of phones, devices, and accessories made at T-Mobile stores, T-Mobile.com, and through the T-Life app. These rewards are applicable towards T-Mobile bills, new devices, or accessories.
The card also includes a $5 monthly AutoPay discount for members with eligible T-Mobile plans, applicable on up to eight lines when using the T-Mobile Visa for AutoPay. The card has no annual fee, no foreign transaction fees, and no other disclosed hidden fees. The variable Purchase APR is 18.99% or 28.99%, and the variable Cash Advance APR is 28.99%, as of November 1, 2025. Fees include a Cash Advance Fee (the greater of 5% of the advance amount or $5), a Balance Transfer Fee (the greater of 3% of the amount transferred or $3), and a Late Payment Fee of up to $40.
Cardholders gain access to enhanced perks that build on T-Mobile’s existing Magenta Status benefits. These include up to 50% off select hotels and up to 45% off select Pay Now rental cars booked through T-Mobile Travel. For a limited time through December 23, T-Mobile Visa cardholders can also save 25 cents off per gallon (up to 20 gallons) on Tuesdays at participating Shell stations. Additionally, exclusive offers will be made available through the T-Life app via T-Mobile Tuesdays, such as a movie ticket offer through Atom from November 11 to November 16.
The T-Mobile Visa is integrated into the T-Life app, allowing cardholders to track spending, view rewards balances, and apply credits directly to their T-Mobile bill. Capital One provides the underlying technology for the card, including Virtual Card Number technology, contactless payment capabilities, digital wallet integration, fraud protection, and the ability to lock and unlock cards within the Capital One Mobile App.
André Almeida, President of Growth and Emerging Businesses at T-Mobile, stated, “The T-Mobile Visa makes the incredible experiences at T-Mobile even better — unlocking extra travel and entertainment perks and turning everyday spending into rewards that help cardholders save on their monthly T-Mobile bill. Our customers are increasingly looking for rewards and more value and T-Mobile Visa is our way of giving our customers both.”
Ralph Haro, Senior Vice President, Head of Card Partnerships at Capital One, commented, “Our focus at Capital One is bringing straightforward, easy-to-use products to customers while relentlessly delivering great value. Through this partnership with T-Mobile, we brought together Capital One’s deep investments in technology and credit card innovation, with T-Mobile’s leadership in wireless, to build a custom credit card program that introduces completely new perks and value for T-Mobile customers.”
Customers can apply for the T-Mobile Visa online at t-mobile.com/card starting immediately. Applications will also be accepted at all T-Mobile retail locations beginning November 10. Approved applicants will instantly receive a digital card for immediate use.
This initiative follows T-Mobile’s previous ventures into financial services, such as T-Mobile Money and device financing programs. Capital One Financial Corporation, headquartered in McLean, Virginia, reported $468.8 billion in deposits and $661.9 billion in total assets as of September 30, 2025, offering a range of financial products. T-Mobile US, Inc., headquartered in Bellevue, Washington, operates an award-winning 5G network, as recognized by Ookla Speedtest Intelligence® data from 1H 2025.
