Most people treat their mobile phone bill like a simple expense: pay it, move on, repeat. But what many don’t realize is that your mobile plan can actually work harder for you. Carriers often offer built-in rewards programs and exclusive perks — from free subscriptions to travel discounts — but these extras are easy to overlook. Even better, you can stack these perks with cashback apps like Rakuten and Ibotta for even more value on your everyday mobile spending.

Let’s break down how you can maximize these hidden benefits and get more from your carrier.

Get to Know Your Carrier’s Rewards Program

Major carriers typically have their own rewards programs designed to keep customers engaged. For example:

• Verizon Up offers monthly rewards that range from discounts on accessories to bonus data and even travel perks.
• T-Mobile Tuesdays provides weekly giveaways, like food delivery credits, streaming service trials, and discounts at popular retailers.
• AT&T Thanks gives members priority event access, dining discounts, and free movie rentals.

The key is to actively claim these rewards — they won’t always appear automatically. Make it a habit to check your carrier’s app or log in to your account once a month to see what’s new.

Stack Cashback Apps for Extra Savings

Before you pay your bill or shop for accessories and upgrades, check cashback platforms like Rakuten and Ibotta. These apps frequently partner with major carriers and tech retailers, offering cashback on services, devices, and accessories.

For example, you might find limited-time Rakuten offers for cash back on a new phone purchase or discounts on SIM cards and service plans. Ibotta occasionally features promotions for prepaid phone cards or discounts on accessories like wireless earbuds and chargers.

The beauty of cashback apps is that they work alongside your carrier’s rewards. You can redeem points from your mobile provider while earning cash back from third-party apps, effectively double-dipping on savings.

Use Points for Practical Purchases

Carrier points and credits aren’t just for flashy giveaways. Many programs let you apply points toward your monthly bill, device upgrades, or essential accessories. By using your points for necessities, you can lower your out-of-pocket costs while still enjoying the perks of your plan.

Also, keep an eye out for seasonal promotions where carriers offer bonus points for actions like referring friends, signing up for paperless billing, or upgrading your device.

Don’t Forget Bundled Perks

Mobile carriers often bundle extra perks that save you money elsewhere. Streaming service subscriptions, cloud storage, and even discounts on rideshares are common bonuses. For example, some plans include complimentary subscriptions to services like Apple Music, Hulu, or Disney+, effectively reducing your entertainment expenses.

Take advantage of these included offers — they can add up to hundreds of dollars in annual value if you’re already paying for these services separately.

Monitor Expiration Dates

Rewards points and cashback offers don’t last forever. Make sure to track expiration dates so you don’t miss out. Some carrier programs offer limited-time bonuses, while cashback apps often run flash promotions that last just a few days.

Setting reminders to check your account regularly ensures you maximize every available opportunity.

Your phone plan isn’t just an expense — it’s an opportunity to earn value back on what you’re already spending. By tapping into your carrier’s rewards program and stacking those benefits with cashback apps like Rakuten and Ibotta, you can turn routine payments into meaningful savings. A little attention to detail can go a long way, making your mobile plan work harder for your wallet.