Save 23% on AT&T & T-Mobile Bills!

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This week, I shared the terrific news that you can save big with Discover & Apple Pay at many more stores than we previously thought!

You may even be able to save up to 22% or earn 23X miles (which you can deposit into your bank for an effective 23% cash back) on your AT&T and T-Mobile phone bill!

Save 23 On ATT T-Mobile Bills

With Up to 23% Off Your Mobile Bill and More, There’s Big Savings on the Line!

I’ll explain how it works!

What’s the Deal?

Link:   Earn $2,000+ in Cash Back with Discover It & Apple Pay

Link:   Discover it

Link:   Discover it Miles

When you make in-store purchases using Apple Pay with your Discover it or Discover it Miles card, you can earn 10% cash back (on up to $10,000 in spending) through December 31, 2015.

This is a terrific deal, but it gets much better if you’re a new cardholder or previously registered.  That’s because the cash back you earn gets doubled at the end of your 1st year.

Here’s how it adds up:

  • 22% cash back on regular purchases with the Discover it card (1% cash back + 10% bonus = 11%, doubled after 12 billing cycles)
  • 30% cash back on up to $1,500 in spending per quarter in bonus categories with the Discover it card (5% cash back + 10% bonus = 15%, doubled after 12 billing cycles)

Apple has a list of major stores where Apple Pay is accepted.  But I’ve found the list extends way beyond that to just about any place with NFC (Near Field Communication) technology!

How to Save Big Your Mobile Phone Bill

You can find stores near you with NFC terminals by using:

Save 23 On ATT T-Mobile Bills

While I Was Using the MasterCard Contactless Merchant Tool, I Found Several AT&T and T-Mobile Stores in Austin Which Accept Contactless Payments

So I did some digging and spoke with an AT&T corporate representative as well as my local AT&T and T-Mobile stores.  They said AT&T and T-Mobile are rolling out NFC terminals to stores around the country, but it’s not available everywhere yet.

Save 23 On ATT T-Mobile Bills

The AT&T Store Near Me Accepts Apple Pay, Does Yours?

Use the MasterCard tools for a local AT&T or T-Mobile store.  If you find 1, it’s worth dropping by to see if you can pay your bill in-store with Apple Pay and your Discover it or Discover it Miles card, to save up to 22% or earn 23X miles on your cell phone bill!

And if you want to get the most of this deal before it expires on December 31, 2015, you could ask to prepay several months in advance.  Or pay wireless bills for friends and family and have them reimburse you.

Or Earn 22% Back on Your iPhone Purchase!

The representative I spoke to at AT&T said you could sign-up for a new iPhone 6 or 6s (the newer phones that support Apple Pay) and only pay the tax in-store.  The balance is added to your AT&T account, which you can pay off in 12, 18, or 24 months.

But you can pay the entire balance off after your 1st billing cycle with the new phone.

So in theory, you could sign-up for a new phone, install Apple Pay and add your Discover card, then pay the phone off at the AT&T store after your 1st bill comes in and get 22% off the purchase price (before December 31, 2015).

I have NOT tried this myself.  But the representative said he didn’t see why it wouldn’t work.

Bottom Line

You can save $2,000+ by using Apple Pay to make purchases with your Discover it or Discover it Miles card by December 31, 2015.

Apple has a list of major retailers where Apple Pay is accepted.  But I’ve found Apple Pay is accepted anywhere there’s an NFC terminal like, many small shops or local restaurantsThis includes certain AT&T and T-Mobile stores.

You can use tools like the MasterCard Contactless Merchant Search page and the MasterCard Nearby App to find out if your local mobile carrier has a store near you with NFC technology.  And you may want to give them a call to find out if they accept in-store payments.

I haven’t tried this myself, but let me know in the comments if it works for you!

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10 responses to “Save 23% on AT&T & T-Mobile Bills!

  1. I love the idea, though I can’t take advantage as a Sprint Customer.

    Please keep posting ideas. I don’t know how I will be able to spend the $10,000 before 12/31/2015!

  2. As of a few days ago, T-Mobile still hasn’t updated the software their Apple Pay uses, so even though they accept Apple Pay, and they accept discover cards, their Apple Pay won’t accept discover cards. (They haven’t updated since prior to September 16, when Apple rolled out the software to use discover with Apple Pay). Hopefully they’ll get this fixed soon, but everyone I’ve talked to at corporate is clueless and doesn’t know when if ever they will be updating their software 🙁

  3. When I tried to refill in AT&T store I had to pay the tax, at least in WA state. So I paid $109 for an $100 refill. They didn’t charge tax for in-store refill but started charging tax since sometime in this year.

    So I instead went to Albertsons or Sears to buy Refill card. No tax.

  4. I’ve been trying to do this since the AP promo started, but as of yesterday, even though AT&T stores accept AP/NFC with any other card, it is not working with Discover – much like Macy’s and Whole Foods wasn’t working early on. (Both are now fixed.)

  5. I went to my local T-Mobile store in Campbell, CA and was able to get a $500 payment applied to my account using Apple Pay.

  6. @Shay – Check the MasterCard app or search tool, there are likely a wide variety of places in your area that accept Apple Pay. And I’ll let you know if I come up with any other good ideas!

    @Joanne @Kris @Nerbil – I hope they get this issue fixed so you can take advantage of the promotion!

    @SteveO – Terrific! Glad it worked out for you! Were you able to pay your bill months in advance?

  7. Sweet…..can’t wait to try it out at Tmobile. Will report back my success or not.

  8. 1) It says you won’t get the credit for buying gift cards, but is this really true? Do they have a way to know you bought gift cards?

    2) Can I buy something and then return it? Will I still get the 22%?

  9. Went to an AT&T Wireless corporate today. Tried to do the transaction. Even though their payment terminal accepts ApplePay (identical to the picture you supplied), the transaction was declined. Discover sent me a fraud alert text message and an email. I replied via text to validate the transaction. I got a text response saying that the Discover card was ready for use. However when attempting the transaction again, the AT&T clerk got the same message a second time, transaction declined. So it looks like a no go at the moment. The clerk said that other people have been coming in to the store trying to make payments with ApplePay and the Discover card and same problem. Maybe Discover has this “purposely broken”.

  10. @Ryan – Great! Let us know what you find!

    @Dan – Folks have received emails stating gift card purchases they’ve made do not qualify for the bonus cash back.

    I do NOT recommend this. It could get your account shut down.

    @AllenB – Thanks for sharing your experience! Sorry it didn’t work for you. You might try another store or check back later!