Posted by Chuck on January 24, 2020
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Published on January 24th, 2020 | by Chuck

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Which Cellular Providers Allow Credit Card Payment With Auto-Pay Discount?

The new, cool thing is for cellular providers to offer a discount when you set up auto-pay; they want their money coming automatically each month without your manual input. Since cellular bills are a common bonus category on credit cards – notably, they earn 5x on the INK Cash/Plus cards – let’s take a look at which cellular providers allow paying with credit cards in conjunction with the auto-pay discount and which force you to pay with a bank.

Please sound off in the comments with information missing here, and also let us know if you’ve ever had issues getting the 5x INK multiplier with any cellular provider.

Verizon

Verizon postpaid only offers the auto-pay discount when it’s set up with a checking account or debit card. Credit cards can not be used in conjunction with the auto-pay discount.

A lot of people used to prepay their bill and still get the auto-pay discount. However, they now charge you the next month the discount amount when you do this. There are still two workarounds mentioned:

Update: Both of the ideas below are disputed by some, maybe it’s YMMV or maybe it’s changed or maybe it depends on prepaid vs postpaid or other factors.

  • Pay part of your bill with the credit card and leave a little left over to get paid with the auto-pay. (1)
  • Pay with a Verizon gift card and you’ll maintain the auto-pay discount. The Verizon gift card can be purchased in-store with the your INK card to be eligible for the bonus telecommunications category bonus. It’s a bit roundabout, but some might find it worthwhile. (1, 2 )

Verizon prepaid DOES allow credit card in conjunction with the auto-pay discount.

T-Mobile

T-mobile allows credit card in conjunction with the auto-pay discount.

AT&T

AT&T allows credit card in conjunction with the auto-pay discount. Both prepaid and postpaid.

Sprint

Sprint allows credit card in conjunction with the auto-pay discount.

Other Providers

Add me. 

H20 Wireless

H20 Wireless allows credit card in conjunction with the auto-pay discount. (1)

Cricket Wireless

Cricket Wireless allows credit card in conjunction with the auto-pay discount. (1)

US Cellular

Cricket Wireless allows credit card in conjunction with the auto-pay discount. (1)

 

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John
John

H2o wireless

dean
dean

Mint Mobile is an MVNO for T-Mobile. Pay in advance for the year at around $15/month.

Hodor
Hodor

Verizon disabled the first workaround for FIOS a while ago. They still allow it for cell service?

I’ve been a TMobile customer for years using auto-pay and never been offered a discount. Am I missing something?

Chimpo Cheetah
Chimpo Cheetah

Good profitable responsible people don’t get disCounts. Only deadbeats do…..lol. Hip hop one carrier to another for five bucKs.

James
James

I guess the only account to pay Verizon of out is discover rewards checking

Pt Z
Pt Z

Well I guess it’s not as good as paying GC if you have some Verizon stores not so far away

Emanuel
Emanuel

Cricket Wireless works!

Pt Z
Pt Z

Mint Mobile allows CC auto recharges, although 99% of users who choose annual renewal would just do it manually (maybe)

Kcihtred2
Kcihtred2

Perhaps add isp to this since they are kinda in the same boat. I know I front load Comcast internet with auto bill discount.

Al
Al

For Verizon, the following rule does not work: “Pay part of your bill with the credit card and leave a little left over to get paid with the auto-pay.”
It has to be full amount. Tried this route 3 months ago, and lost auto-pay discount.
I am sure second rule for Verizon doesn’t work either. Just a gut feeling. But will give it a try.

John
John

Confirmed that Verizon GC doesn’t get 5x on Ink.

Josh
Josh

1) US Cellular offers a $10 autopay discount and it works with credit card. postpaid plan
2) It looks my Dec 22 Verizon bill was the first time they actually took back the $10 discount for not using the debit card autopay that’s setup. Hopefully the other tricks going forward.

nick
nick

Why anyone stays with Verizon is beyond me.

Al
Al

Unfortunately, they have the best coverage in area where I live/work.

Dan
Dan

Do you actually use that coverage? What do you do on your phone that marginally better network is necessary?

Torg
Torg

They actually have an antenna on our building. Anyone without Verizon has to go to a specific place to place/receive calls but VZW works fine in all offices. I may move to a MVNO though.

More anecdotally, I have relatives that live in rural Nebraska. They prefer Verizon for coverage out there too.

anonymous
anonymous

Check out Red Pocket. They run on any of the 4 major US networks, including Verizon (you choose). I tried their GSM plan (on the T-Mobile network) for a month and then bought a one-year refill from eBay. It equates to $8/month for their cheapest plan. Same networks and LTE speeds. They have some international roaming add-ons, too.

Avi
Avi

I was with Verizon for 10+ years, decided to try out T-Mobile because they had a phone discount I couldn’t resist, and can’t wait to go running back to Verizon in 2 years when my phone credits expire. In my area, Verizon’s signal is very noticeably stronger.

Atlind01
Atlind01

If you are talking about getting poor signal at your home, you can reach out T-Mobile and they will ship you a free LTE device that connects to your Home internet.

Avi
Avi

Definitely poor voice signal in my home (although poor voice and data everywhere in my immediate neighborhood), and even with wifi calling on my iPhone enabled it’s not as good (according to people on the receiving end) as with Verizon. Will the LTE device work any better than using wifi calling directly from my phone?

Frank Rizzo
Frank Rizzo

Verizon looks for any way to gouge you.

JR
JR

I’m autopay with Sprint and receive no discount for that.

Celia
Celia

Sprint gives me a $5 discount for auto pay/paperless. They sometimes fold it into their plan price with auto pay/paperless as a requirement to get that package price.

JR
JR

Chatting with Sprint now, and it’s never been there. I’ve got 6 lines so $30/month. Getting it now, and asked for some retroactive discounts added also. Had no idea they offered this.

Celia
Celia

Excellent news.

JR
JR

Evidently it’s plan specific. I was just told: ” I’ve checked your plan specifics thoroughly and I can see that the reason why you’re not getting that autopay discount is because the plan that you have which is the Everything Data share plan, does not really include discounts for autopay, it only includes the employee discount which you are getting.”

Oh well.

Celia
Celia

Well, that is not good news anymore. Like I said, sometimes they fold it in. That must be the case with your plan. I’m still on the free year so the autopay/paperless was required to get that.

Davidthebest
Davidthebest

Puppy Wireless does not get 5× on Ink

Moyang
Moyang

Actually Verizon Prepaid allows you to get the autopay discount while using a credit card. This is different from Verizon postpaid.

Pe
Pe

Can confirm. Prepaid allows for a $5 discount and am paying with CC

Joe
Joe

+1

John Doe
John Doe

Note that T-Mobile No Credit Check accounts are ineligible for Auto Pay.

Also, I’d like to know which carriers allow advanced payments? If advanced payments are allowed, what is the maximum amount I can pay in advance?
This will come in handy for those quarterly categories cards and completing signup bonuses.

Pt Z
Pt Z

I’m now personally using Mint Mobile, and I believe you can pay as soon as possible, but only for the next due payment, not further than that.

msb1xr
msb1xr

Verizon lets you pay up to $500 over your bill

John
John

Verizon does not allow overpayment anymore. Noticed it last month.

msb1xr
msb1xr

Really I just did it 12/28 no problem

Steve
Steve

I overpaid in Jan 2020 to trigger freedom 5%. Hoping it doesn’t remove autopay discount.,,it hasn’t before.

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