T-Mobile: what it earns

Updated September 17, 2026 · from RightCard's verified card and merchant data

T-Mobile earns a flat 2x points on everything. We value Capital One miles at 1.7¢ per point toward travel and 1¢ as cash; the table below shows both readings. No annual fee.

Every category, as published

The everyday rates only. No welcome bonus, no limited-time offers. Where a rotating 5% quarter is live today it is noted in the row.

Category	Earn	≈ value / $1
Restaurants	2x points	2¢ cash · 3.4¢ travel
Supermarkets	2x points	2¢ cash · 3.4¢ travel
Gas stations	2x points	2¢ cash · 3.4¢ travel
Travel	2x points	2¢ cash · 3.4¢ travel
Online shopping	2x points	2¢ cash · 3.4¢ travel
Drugstores	2x points	2¢ cash · 3.4¢ travel
Transit & rideshare	2x points	2¢ cash · 3.4¢ travel
Streaming	2x points	2¢ cash · 3.4¢ travel
Everything else	2x points	2¢ cash · 3.4¢ travel

Travel value uses 1.7¢ per point for Capital One miles, a conservative figure. Cash redemptions on most points programs pay 1¢ or less.

Where it beats a flat 2% card

Restaurants, Supermarkets, Gas stations, Travel, Online shopping, Drugstores, Transit & rideshare, Streaming. Everywhere else a plain 2% card earns more, so this card is a category card, not an everything card.

Statement credits

Verified from the issuer's terms. A credit is worth its face value only if you would spend there anyway.

Credit	Amount	Per year
$5 AutoPay discount	$5 monthly · enrollment required	$60 / yr

Tick the ones you would use and get the fee verdict →

See it against the rest of your wallet →

How RightCard handles this: add the T-Mobile in the app and it competes with your other cards at every store, with your bank offers and this quarter's rotating bonus folded in. The app is free and private. No bank login. Recommendations are computed on your phone.

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FAQ

What does the T-Mobile earn at supermarkets?

2x points at stores that code as supermarkets. Superstores and warehouse clubs usually do not count.

What does the T-Mobile earn on everything else?

2x points on purchases outside its bonus categories.

Does the T-Mobile have an annual fee?

No annual fee.

How much are T-Mobile points worth?

About 1.7¢ each toward travel by our conservative estimate for Capital One miles, and 1¢ or less as cash.

Where these numbers come from: RightCard's data pipeline re-checks each card's published rates weekly and lists a rate only after two independent sources agree. Merchant codes come from our merchant directory. If a card or store is missing here, it is because we could not verify it, not because we guessed.

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