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The T-Mobile Visa card’s application page is now live, but you still can’t apply yet

Here are all the details on the new card and why it might be a must-have for postpaid customers.

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By Johanna Romero

Published: Oct 31, 2025, 3:58 PM

Marketing image of woman holding the T-Mobile Visa card

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

Image of the T-Life app’s visa card section

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.

Will you apply for this card to get the $5 autopay discount?

Yes

53.99%

46.01%

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.

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Johanna 'Jojo the Techie' is a skilled mobile technology expert with over 15 years of hands-on experience, specializing in the Google ecosystem and Pixel devices. Known for her user-friendly approach, she leverages her vast tech support background to provide accessible and insightful coverage on latest technology trends. As a recognized thought leader and former member of #TeamPixel, Johanna ensures she stays at the forefront of Google services and products, making her a reliable source for all things Pixel and ChromeOS.

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