AT&T GoPhone Prepaid Review: Good for People With Bad Credit?

By Kevin / August 24, 2015
AT&T Go Phone Plans and Credit Requirements

If you have bad credit or no credit, you may be able to avoid a large deposit for wireless service by signing up for a prepaid plan. Most people aren’t aware of the fact that you can be hit with a deposit for AT&T service if your credit isn’t up to par.

You can use our wireless deposit calculator to estimate your potential deposit based on your credit score.

AT&T offers several GoPhone prepaid plans for smartphones and basic phones with no-contract phones that connect to its 4G LTE network. In early 2015, AT&T updated its GoPhone prepaid plans to offer more 4G LTE data. AT&T offers a good mix of network reliability combined with affordable prepaid plans, a good selection of phones, and Rollover Data.

If you’re looking for a prepaid plan that allows you to buy additional data and bring your own phone, here’s what you should know about the GoPhone prepaid plans.

Click Here to Shop AT&T GoPhone Prepaid Plans

The Good

  • No credit check or contract
  • Several plans to choose fromAT&T GoPhone Prepaid Review: Good for People With Bad Credit?
  • Ability to add additional data
  • Bring your own phone
  • Rollover data with select plans
  • No activation fees

The Bad

  • No roaming
  • More expensive than many competitors
  • Somewhat limited phone choice
  • No unlimited plan

GoPhone Prepaid Plans

AT&T offers several daily, monthly and pay-as-you-go plans in two categories: smartphone plans and feature phone plans.

All smartphone plans run on AT&T’s 4G network, but they are a bit more expensive than competitors and they do not have roaming service. All of the smartphone plans are monthly with unlimited messaging, but only the $60/month top-tier plan includes a substantial 2GB of data, while the others are Wi-Fi only or charge $5 for every 100MB or 500MB of data.

Here are the smartphone plans:

  • $60/month for unlimited talk and text with 4GB high-speed Rollover Data (additional data: $10/1GB)
  • $55/month for unlimited talk and text to U.S., Canada & Mexico with 1GB high-speed data (additional data: $10/500MB)
  • $45/month for unlimited talk and text with 1.5 GB high-speed Rollover Data (additional data: $10/500MB)
  • $30/month for unlimited talk and text. You can use WiFi or buy data at $5/100 MB.

The feature phone/basic phone plans are a bit different:

  • $60/month for unlimited talk and text. Includes 4GB of data at device speed with Rollover Data.
  • $55/month for unlimited talk and text to U.S., Mexico, & Canada with 1GB high-speed data
  • $45/month for unlimited talk and text with 1.5GB high-speed Rollover Data
  • $30/month for unlimited talk and text. Use WiFi or buy data at $5/100 MB.

Lastly, AT&T also offers pay as you go plans:

  • $2/day on days used with unlimited talk and text and pay per use data at $0.01/5KB
  • Pay as you go with $0.10/minute, $0.20/text message (or package), and $0.01/KB data

Data & Messaging Packages

The amount you need to pay for data packages depends on your plan. If you get the $60 monthly plan for smartphones, you can add an extra 1GB for $10. With the $45/month and $55/month plans, you can add 500MB for $5. With the basic $30/month plan for smartphones and feature phones, an extra 100MB will cost $5.

No contract, no deposit, no credit check AT&T wireless plans


If you aren’t sure how much data you need, AT&T has a data calculator to estimate data usage. For example, 10 hours of streaming music on a smartphone will use about 0.3GB of data. If you get the top-tier smartphone plan with 2.5GB of data, that’s about enough to stream 5 hours of HD video, make 100 social media posts with photos, surf the web for 37 hours, send 200 emails and stream 10 hours of music.

Messaging packages are available if you choose the $0.10 per minute plan, and they include nationwide text, voice and picture texts. 200 messages will cost $4.99/month, 1000 messages is $9.99/month and unlimited messages is $19.99 per month. Packages are good for 30 days, assuming your balance is not expired.

If you choose a plan that doesn’t come with the following services, here is what they will cost per use.

  • Nationwide text messaging: $0.20 per text sent/received
  • Nationwide picture and video messaging $0.25 per message sent/received
  • International text: $0.25 per message sent, $0.20 per message received
  • International picture and video messaging: $0.50 per message sent, $0.25 per message received
  • Data: $0.01 per 5KB (not for smartphone plans)

AT&T Prepaid Phone Choices

AT&T has a good range of phones to choose from, unlike some carriers that only offer 5 or so. The current line-up of phones is (as of August 24, 2015):

  • Apple iPhone 5c (pre-owned) – $382
  • Apple iPhone 4s – $450
  • Motorola Moto G – $180
  • HTC Desire 610 – $140
  • Nokia Lumia 635 (pre-owned) – $40
  • Kyocera DuraForce – $399
  • LG G2 – $480
  • Samsung Galaxy S5 – $650
  • HTC One – $670

While newer phones are largely absent from the plan, you can buy a Nokia Windows phone, which aren’t available with most prepaid providers. In the past, Apple iPhones were not available as GoPhone devices but you can now get older iPhone 4 and 5 phones.

Don’t like the selection of phones? Want to bring your own device or use a newer Android or iPhone on an AT&T GoPhone plan? AT&T allows you to bring your own phone to the prepaid program. To bring your own device, you need to buy the GoPhone SIM card kit for $10. Devices that aren’t under contract are eligible.

Other than that, you do not have to pay an activation fee with GoPhone.

The Bottom Line

AT&T GoPhone is one of the more affordable prepaid plans. While more expensive than Sprint Prepaid, it has better network reliability and speed in most areas and it includes Rollover Data. The $45/month prepaid plan gives you 1.5GB of data, and you can rollover unused data for 30 days. Compare this to Verizon’s $45/month plan which includes only 1GB of data with no rollover.

AT&T doesn’t offer the biggest selection of smartphones but it does have many popular phones and it lets you Bring Your Own Device. This is something that Sprint Prepaid, the next-cheapest prepaid plan, does not offer. The bottom line is, if you have bad credit, AT&T GoPhone Prepaid is a good choice. It offers a great combination of affordability, reliability, and flexibility. All with no credit checks, contracts, and deposits.

Click Here to Shop AT&T GoPhone Prepaid Plans