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Did It Work? How My Plan for Almost Free Cell Service Is Turning Out

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Free Wireless Service

Free Wireless Service

Back in February, I shared how I planned to obtain cell service for (pretty much) free.  I was confident this gradual play would work out in the long term based on various data points I had obtained.  But at the time, I hadn’t come full circle to receive free wireless service.  Finally, I’ve reached my goal.  Here’s how my free wireless service strategy worked out, and how you can, at a minimum, deeply discount your own service without too much effort.

A Brief Reset

As I mentioned several months ago, this play primarily involves careful use of the Amex Business Platinum’s wireless credit.  After enrolling, cardholders receive a monthly $10 credit which can be applied to expenses with many wireless providers.  Coupling this credit with a provider offering a loadable wallet, I was confident my free wireless service strategy would work.  Over the next several months, I loaded $10 at a time to the wallet across all of my Business Platinum accounts.  (I have more of these accounts than I care to admit.)

Time To Renew

My initial six month subscription ends this month.  I’ve been happy with the Mint experience, and I was excited to see how my experiment would work out.  I opted for the 12 month plan that comes with 4GB of data which came to $180.  I ensured I had more than enough funds in my wallet to cover the updated plan.  Here’s what it looked like in my account:

Free Wireless Service

During checkout, I had the option to renew using my card on file or my wallet balance.  I happily selected my wallet balance and clicked Pay Now.  While I figured it would work out this way based on my prior legwork, I still got a dopamine rush during the renewal process.  Pretty much free wireless service was mine, and it wasn’t that complicated.

Why am I saying “almost” free?  Because I’ve been charged a $0.50 “recovery fee” by Mint Mobile for each $10 load.  That’s a total of $9 for the $180 in credits I loaded for my “free” year.  While not technically free wireless service, I’m happy paying $9 (AKA 95% off) for a year of connectivity.  I bet other bargain hunters will find even better deals with other providers.  Speaking of…

You Can Do This, Also

As I admitted earlier, I have plenty of Business Platinums.  Holding so many has made sense for several reasons, including outstanding welcome offers, retention offers, referral bonuses, and solid ongoing benefits (including the wireless credit).  But for many of you, it probably makes sense to hold only one Business Platinum, if that.  That’s still a solid $120 in wireless savings.  With all of the different providers competing for our attention and offering outstanding deals, the wireless credit may wipe out all, or more likely most, of your wireless costs.

Look for providers who offer a wallet you can fund each month with the $10 wireless credit.  Once you have enough credit in your wallet, pay for your preferred service timeframe with those funds.  Presto, free wireless service.  Of course, do your homework ahead of time.  Ensure that wallet funds are eligible for service costs, the service meets your needs, etc.

If you prefer a wireless provider who doesn’t offer a wallet function, hunt for ways to lower your monthly bill and pay with your Business Platinum.  Worst case, you’ve substantially discounted your wireless service.

Free Wireless Service

Free Wireless Service – Conclusion

No card is perfect, but look for practical ways to use the benefits of each one you hold.  Amex gets a lot of flak for raising annual fees and the nature of their cards’ changing benefits.  But cardmembers shouldn’t ignore the solid benefits we’re offered.  All benefits may not be for you, but just a few of them may be enough to justify keeping a card.  Embrace the nuances of each card and have fun.  I’ll continue to do so, and I encourage you to, as well.  How have you been using the Business Platinum’s wireless credit?

Disclosure: Miles to Memories has partnered with CardRatings for our coverage of credit card products. Miles to Memories and CardRatings may receive a commission from card issuers.

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Benjy Harmon
Benjy Harmon
Benjy focuses on the intersection of points, travel, and financial independence (FI). An experienced world traveler, husband, and father, he currently roams throughout the USA close to expense-free. Benjy enjoys helping others achieve their FI and travel goals.

Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.


  1. Red Pocket $2.5/m ($30/yr) 200min+1000txt+200MB, buy the sim from ebay paying with paypal and get 5% paypal category on Discover card ($0 annual fee)
    H2OWireless prepaid $3.3/m ($10/90days), pay with Chase Ink Cash to get 5% ($0 annual fee)

    For more internet access, use Xfinity wifi or free wifi from most business(coffee shop/hotel/airport)
    Never pick up phones and let ppl leave messages, and then use SKYPE to call back. Use instead of google to earn points for interent search and these points can be redeemed for SKYP gift card, which can cover SKYPE calls cost.

    Total cost : $2.5 – $3.3 per month, earn 5% on credit cards with 0 annual fee, no hassles.

    • Better yet, it would cost 3000 UR points per year to do a statement credit on the $30 charge. The sign-up bonus for the Ink Cash is 75,000 UR points. That’s 25 years of cell phone service. Ha.

  2. You can look at it as reducing costs . . . or getting more for the same dollars spent.

    T-Mobile Magenta Max for 55+ for two lines is $90 per month (including taxes and fees). Prior provider ran about the same. But . . .

    Moving from prior Internet provider to T-Mobile Internet garnered $45 per month savings. Netflix is now included. $15.50 per month savings. Reduction of aggregate cost is $60.50 per month / $726 per year.

    Then, in-flight WiFi is now included. My wife and I fly about 40 to 50 segments per year (total, not each) on which we can use this T-Mobile feature. If we lowball the cost at $15 per segment, we’re saving about $50 per month / $600 per year.

    So, we can say 1) we’re getting $200 per month for the same $90 per month or 2) we’ve lowered our aggregate cost by $110 per month or 3) because we were absolutely going to spend those dollars on Netflix, etc., we’re getting our cell phone for free. Different viewpoints of the same outcome.

  3. It is by no means free. First, your method requires I presume manually loading the account? That’s time and hassle every month. Second, you’re paying $695 AFs. Sure you’re getting other benefits and SUBs, but it certainly isn’t free, it’s prepaid at a discount.

    I simply use Xfinity mobile. Im usually on wifi, so the 1GB plan for about $13/month works for me…so after my biz plat credit it’s $3/month, with no hassle.

      • Benjy, it is really fund paying several $695 cards Lol. How many do you have? How is fun to save a couple of hundreds in cell phones and then they 4-5k a year in annual fees? Please tell us. Thanks

        • MarkG,
          Annual fees are subsidized by NLL signup bonuses and certain retention offers (via Schwab cashout).


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