topic Re: T-Mobile to launch new credit card soon with Capital One in Credit in the News

T-Mobile to launch new credit card soon with Capital One

zerofire — Tue, 15 Apr 2025 09:01:55 GMT

A number of articles have shown up about a fresh credit card. Also the T-Life app shows the proposed design with Capital One as issuer. Sounds exactly the way the two would work in my opinion.

https://www.tmonews.com/2025/04/report-t-mobile-eyeing-credit-card-launch-with-capital-one/

https://tmo.report/2025/04/is-t-mobile-about-to-launch-their-own-credit-card/

Re: T-Mobile to launch new credit card soon with Capital One

Varsity_Lu — Tue, 15 Apr 2025 09:46:31 GMT

@zerofire wrote:

Sounds exactly the way the two would work in my opinion.

I have no idea what you mean by this.

Re: T-Mobile to launch new credit card soon with Capital One

zerofire — Tue, 15 Apr 2025 10:28:37 GMT

@Varsity_Lu wrote:
@zerofire wrote:

Sounds exactly the way the two would work in my opinion.
I have no idea what you mean by this.

I mean that I am not surprised that T-Mobile and Capital One would be able to make an agreement. The two companies seam compatible. Just like Verizon partnering with Synchrony as both are rather sleezy or AT&T partnering with Citi as both are mediocre.

Re: T-Mobile to launch new credit card soon with Capital One

TrapLine — Tue, 15 Apr 2025 13:37:38 GMT

@zerofire

Interesting comments!

Remember the day back to 1990 when I had an AT & T Visa with a $28,000 credit line. Thinking it was issued by Citi? Nice looking card ... for some reason I did not use it a lot?

Re: T-Mobile to launch new credit card soon with Capital One

Anonymous — Tue, 15 Apr 2025 13:57:26 GMT

@zerofire wrote:
@Varsity_Lu wrote:
@zerofire wrote:
Sounds exactly the way the two would work in my opinion.
I have no idea what you mean by this.
I mean that I am not surprised that T-Mobile and Capital One would be able to make an agreement. The two companies seam compatible. Just like Verizon partnering with Synchrony as both are rather sleezy or AT&T partnering with Citi as both are mediocre.

So T-Mobile and Capital One partnering because they are both under-rated and relatively solid? 🤔

Re: T-Mobile to launch new credit card soon with Capital One

crystal626 — Tue, 15 Apr 2025 22:54:20 GMT

I'm surprised that they didn't do this before they decided to not allow credit cards for the autopay discount. Must not have been able to get a good agreement until now.

Re: T-Mobile to launch new credit card soon with Capital One

indiolatino61 — Sat, 19 Apr 2025 18:27:06 GMT

Thank you for the update and news link. I use T-Mobile, so depending on what benefits are offered, I may apply next year. I suspect it will be underwhelming, though. We'll see.

Re: T-Mobile to launch new credit card soon with Capital One

Drifter73 — Wed, 23 Apr 2025 05:05:10 GMT

Looking forward to seeing it once it rolls out. I may have to get one as well if it's perks save me more than or equal to the 5% cash back I currently get on mobile phone and data bills. 😉

Re: T-Mobile to launch new credit card soon with Capital One

Seatac — Tue, 29 Apr 2025 00:23:07 GMT

@crystal626

It that something you were denied? Because for at least the last 6 years I have been getting the autopay discount from Tmo and I use my Amex Gold to pay

for it.

Re: T-Mobile to launch new credit card soon with Capital One

crystal626 — Tue, 29 Apr 2025 20:48:05 GMT

@Seatac wrote:
@crystal626

It that something you were denied? Because for at least the last 6 years I have been getting the autopay discount from Tmo and I use my Amex Gold to pay
for it.

They stopped allowing credit cards for the autopay discount a couple years ago. Some have reported keeping it for whatever reason but most lost it.

Straight from the source:

Payment method must be a linked bank account (Pay by Bank) or debit card. Credit cards and digital wallets (Apply Pay/Google Pay) are not eligible.

https://www.t-mobile.com/support/account/autopay

(yes, they messed up Apple Pay lol)

Re: T-Mobile to launch new credit card soon with Capital One

Seatac — Wed, 30 Apr 2025 17:25:08 GMT

Interesting....thanks for the info.

Re: T-Mobile to launch new credit card soon with Capital One

zerofire — Sat, 28 Jun 2025 12:04:15 GMT

@Anonymous wrote:
@zerofire wrote:
@Varsity_Lu wrote:
@zerofire wrote:
Sounds exactly the way the two would work in my opinion.
I have no idea what you mean by this.
I mean that I am not surprised that T-Mobile and Capital One would be able to make an agreement. The two companies seam compatible. Just like Verizon partnering with Synchrony as both are rather sleezy or AT&T partnering with Citi as both are mediocre.
So T-Mobile and Capital One partnering because they are both under-rated and relatively solid? 🤔

Not really. More like willing to take chances on new technology and being highly automated. Also I can safely say both target the same customer base. Being relatively solid doesn't hurt though.

T-Mobile started by reaching out with cheap but solid phones (~Motorola C200) and realistic line costs in the 2000's. Then they lead with Wi-Fi Calling like on my Nokia 7510. Today Wi-Fi calling is no longer carrier limited but T-Mobile started it when nobody else would. Then they ate Sprint and offered rebasing everyone to a better plan. People got either better prices or straight up more minutes,texts, and/or data. Sometimes both. Mind you this is before the Uncarrier insanity when they added stable international rates, T-Mobile Tuesdays, and Tax+Fees included. All of this was while they either completely avoided analog cellular or otherwise went crazy with updates. The operations cost of digital networks are much cheaper and they quickly went through the tech to 2G. Then with proper cost cutting and further tech selection they went 4G->4G LTE->5G(Long Range+Mid Range).

Capital One is big on letting computers drive the decisions but they too had some big innovations. They were the first issuer or at least the first big issuer to go EMV contactless across their full card range. This is the second time around that contactless happened and the first round went almost exclusively to Citi. Also I am fairly certain that the Quicksilver was eye opening in its time. I remember there was a time that 1.5% Flat was new and would blow your eyes out like the cartoon wolf. Everyone else was either 1%, nothing, or some weird combo.

@TrapLine I am not sure about the 90's but Citi has held the AT&T contract for credit cards for a while.

P.S. I checked and Citi has a statement from 2021 that the AT&T relationship was 25 years old. So 1996 or newer sound right to you?

Statement Here

Re: T-Mobile to launch new credit card soon with Capital One

TrapLine — Tue, 02 Sep 2025 00:59:57 GMT

@zerofire

"I am not sure about the 90's but Citi has held the AT&T contract for credit cards for a while.

P.S. I checked and Citi has a statement from 2021 that the AT&T relationship was 25 years old. So 1996 or newer sound right to you?"

After thinking back, the statement sounds right. Also, I had two cards from Citi AT&T, one was a Visa and the other was a MasterCard. Both had the $28,000 credit limits. Quite high for that era of time.

Again, it was a good card product that I did not use a lot. Will admit, I had a lot of credit cards and potentially that was the challenge. Feeding the activity/utilization?

Re: T-Mobile to launch new credit card soon with Capital One

gg22 — Sat, 29 Nov 2025 21:07:10 GMT

I am hoping they allow PC from normal CapOne CC. I have a VentureOne that I'd like to switch over and I'd be **bleep** if I waste a potential HP (and denial) on a branded CC just to save an extra $5 a month. XD Once I get Citi Custom Cash, US Bank Cash+, and Fidelity Rewards 2% CB, i might apply

Re: T-Mobile to launch new credit card soon with Capital One

Azrael — Sat, 29 Nov 2025 23:17:00 GMT

Just run the pre approval for the new T-Mobil card. That's what I did. Then you'll know if you will get approved. 🤷🏻‍♂️

Re: T-Mobile to launch new credit card soon with Capital One

zerofire — Sun, 30 Nov 2025 02:53:32 GMT

@gg22 wrote:
I am hoping they allow PC from normal CapOne CC. I have a VentureOne that I'd like to switch over and I'd be **bleep** if I waste a potential HP (and denial) on a branded CC just to save an extra $5 a month. XD Once I get Citi Custom Cash, US Bank Cash+, and Fidelity Rewards 2% CB, i might apply

Usually with co-branded cards Capital One will not allow entry or exit via product change. The exception is when the partnership ends and the product auto-changes (Walmart MasterCard to Capital One Quicksilver MasterCard). I recommend that you figure out a large spree and then add this one to the end. Capital One will be easy on you and T-Mobile will be pushing for people to hold their cards. The approval would be easy then.

Re: T-Mobile to launch new credit card soon with Capital One

Jessie — Tue, 02 Dec 2025 00:44:45 GMT

Just what the world has been missing. What percentage of T-Mobile customers do you think have the card/will get it?