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T-Mobile’s Autopay Change Complicates My Favorite Credit Card Perk

Commentary: Getting free phone insurance is a fabulous perk, but there are other options to keep it.

T-Mobile is the latest carrier to change how it gives out auto pay discounts: Starting in July, customers are required to pay their bills using either a linked bank account or a debit card in order to receive a $5 per line discount on their service.

However, if you already set up auto pay with a credit card, not complying with this policy change is effectively a price hike. And as a result, if you were paying for your phone bill using a credit card, you’ll now have to evaluate if the $5 per line cost is worth the convenience and perks that come with paying for your phone bill using that method. That’s not even including the need to use a debit card or give T-Mobile, which has a poor track record of data security, a bank account number.

For myself, I rely on having cellphone insurance provided by a World Elite Mastercard that I pay my family’s cell phone bill with. While I haven’t yet had to file a claim with it, the perk allowed me to skip paying for AppleCare or my carrier’s phone insurance entirely. The benefit lets customers get reimbursed for cellphone repairs, up to $1,000 per year ($800 per claim, with a max of two claims per year).

I’ve been hoping to at least use the options when replacing my iPhone 12 Pro Max’s battery after its capacity falls under 80% (an $89 cost), and it would be especially clutch if my phone ever required a major repair like a charging port failure (as expensive as $599).

I manage three lines on my T-Mobile account, and as a result, continuing to pay with my credit card will lead to a $15 monthly increase on my rate when using autopay. So I began crunching the numbers in order to figure out whether it would be worthwhile to absorb the price increase to keep the credit card benefit, to forgo the benefit entirely or to consider a third-party phone insurance option. I also discovered a workaround, which should keep the benefit intact with a little bit of planning.

iPhone 12 Pro Max with weather app

Should I just join T-Mobile’s Protection 360?

When I began researching my options for maintaining a phone insurance option, I first wondered if I could join T-Mobile’s Protection 360. T-Mobile’s phone insurance plan allows for phone service through AppleCare — which otherwise isn’t joinable past 60 days of buying an iPhone. Covering my line would be about $18 per month — more than the $15 per month that covers my family plan — but I could receive these repairs without having to file for reimbursement.

Regardless, T-Mobile’s Protection 360 isn’t an option right now. Similar to health insurance, Protection 360 allows for enrollment either when you buy a new device or when a special enrollment period opens. I saw that there was an enrollment period open in June, but right now it’s closed, and T-Mobile doesn’t provide a cadence for how often it reopens.

T-mobile logo

What if I paid the price increase?

While I don’t want to pay the extra $15 per month, it is a cost effective option if I insist on maintaining a level of phone insurance. As I covered in the Protection 360 section, paying $15 for three lines is less than paying $18 for a single line under T-Mobile’s option when it’s available. This would allow me to continue to be eligible for reimbursement after paying for a phone repair and help me avoid paying a high price should there be a catastrophic damage incident.

However, I think there’s simply better ways to use that $15, especially when the main repair I inevitably see is an $89 battery repair. I could create a slush fund where I set aside that $15, and in six months that would build up to cover the $89 battery replacement that I foresee needing. I also just finished paying off my iPhone 12 Pro Max and could roll that amount into the fund. I currently plan on keeping my phone for two more years, and those savings could go toward my next phone purchase.

But this option has a big vulnerability: If my iPhone suffered a major malfunction, a repair could cost $599 or result in being forced to buy a new phone earlier than I’d prefer.

Apple logo on an Apple Store window

Could I go with a third-party insurance option?

There are other companies that offer insurance on phones or other electronics, without going through either the phone manufacturer or the phone carrier. One option that I looked into is SquareTrade, which is owned by insurance provider AllState. Through SquareTrade, I can get a plan for myself at $9 per month or a plan for the family (up to four lines) at $20 a month.

Like my credit card’s phone protection plan, SquareTrade offers reimbursement for repair costs at Apple’s Genius Bar along with options for in-person or mail-away phone repair. That’s appealing because it will essentially allow for AppleCare’s support for a repair, albeit by paying upfront for it.

However, SquareTrade’s deductible for all phone claims is rather high at $149. This is still a substantial discount from having to pay $599 for an equipment failure repair or $329 for a cracked screen replacement, but for a battery replacement I’d be better off paying Apple’s $89 repair cost.

On the other hand, SquareTrade’s phone insurance remains flexible since I don’t need to have recently purchased my device to have it. It’s an option I can leave on the back burner, and if it seems appealing (or if I can tell that my phone is on the precipice of breaking), I could perhaps purchase it at a more strategic time.

SquareTrade’s policy also doesn’t cover theft or loss, which are important possibilities to consider when choosing a phone insurance plan. My credit card benefit does cover that possibility, as does T-Mobile’s Protection 360.

Stack of phones

Why I’m waiting it out with a workaround

While I’m not thrilled about T-Mobile’s choice to eliminate auto pay discounts for paying with a credit card, I’d also rather not be rushed into choosing a new phone insurance option. For now, begrudgingly, I am linking my bank account to pay for my bill in the interest of controlling costs while I evaluate these options. 

However, after I first published this story in July, I received several tweets from readers that offered a simple workaround that I verified with both my personal experience and confirmed with a T-Mobile representative. While I do now have my bank account linked to retain the autopay discount, I have not yet paid my bill using that account. Instead, I manually pay my bill using my credit card before the autopay date hits, and the discounts will remain on my bill. This is a small inconvenience since it will now require some conscious effort, but it’s more than worth it to keep the free cell phone insurance benefit.

I will also start taking the monthly installment money I now have after paying off my phone, and start a new phone slush fund with it. Ideally, I’ll be able to get two more years out of my current iPhone and then use the savings toward a new device.

By using that strategy for buying my next phone, I could then perhaps take advantage of a different credit card benefit: Some cards offer an extended warranty benefit that would provide an additional year of coverage beyond what’s provided with a purchase.

At the same time, I’ll keep an eye out in case I later want to swap my auto pay back to a credit card and forego the discount, grab a SquareTrade plan or — when available — sign up for T-Mobile’s Protection 360.

Technologies

The Best Part of the New Moto G Stylus Phone Is a Pen I Actually Use

Review: The 2026 Moto G Stylus has a mix of modern and classic features, giving it a unique appeal.

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Mike Sorrentino Senior Editor
Mike Sorrentino is a Senior Editor for Mobile, covering phones, texting apps and smartwatches — obsessing about how we can make the most of them. Mike also keeps an eye out on the movie and toy industry, and outside of work enjoys biking and pizza making.
Expertise Phones |Texting apps | iOS | Android | Smartwatches | Fitness trackers | Mobile accessories | Gaming phones | Budget phones | Toys | Star Wars | Marvel | Power Rangers | DC | Mobile accessibility | iMessage | WhatsApp | Signal | RCS
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Moto G Stylus (2026)

Pros

  • Revamped stylus helps a lot
  • Bright 5,000-nit display
  • Fast 68-watt charging

Cons

  • Big price jump over last year
  • Limited software support

After being delighted by last year’s Moto G Stylus, especially given its 68-watt fast charging and 256GB of storage for $400, I was eagerly awaiting Motorola’s 2026 follow-up. The Stylus phones have a nice blend of features and camera quality, but the stylus pen has mostly felt like a decorative extra. 

Motorola’s revamped Stylus phone now feels quite useful, reviving a number of features that Samsung used to include in its Galaxy Ultra line.

The updated stylus pen has several perks that make the phone feel a little bit more like a computer. A small cursor that appears while I hover the pen over the screen provides a mouselike feel, and some apps will highlight themselves as I «mouse over» them.

When taking a quick note of my to-dos for the day, the pen’s pressure sensitivity and palm rejection (ignoring when my hand touches the screen because the stylus was near) make it easier to write on the screen. It seems like it could be really useful for people who have thumb arthritis or thicker digits that make it harder to tap precisely.

Since Netflix just added a few Jackbox games to the streaming service, the pen certainly came in clutch for playing Drawful 2.

Motorola has also improved the phone’s display from last year, which now reaches a peak brightness of 5,000 nits. I cranked that up while watching a baseball game at New York’s Citi Field, but I often found that keeping the brightness at half sufficed for nearly all my indoor and outdoor use. By comparison, Google’s similarly-priced Pixel 10A peaks at 3,000 nits, and the iPhone 17E at 1,200 nits.

The Moto G Stylus isn’t flawless, though. The phone has one of the highest year-over-year price markups we’ve seen, with the 256GB model now 50% more expensive at $600 (versus the prior model’s $400 price). The phone also now comes in a $500 128GB edition, which isn’t such a downgrade since you can use the phone’s microSD card slot to add more storage. 

Motorola is also bundling in additional accessories to help sweeten the deal. That also means the new Stylus phone faces stiffer competition with phones that have faster processors and more advanced features for the price, like the Pixel 10A and iPhone 17E.

Moto G Stylus design, processor and fast charging

My Moto G Stylus review unit comes in the Pantone lavender mist color and features the textured vegan leather backing that Motorola uses across its phone line. It’s a lovely look, and the phone’s aluminum sides are colored to match. A darker coal smoke option is also available.

The stylus pen is now slotted into the bottom corner of the phone, where it charges, powered by a 4-mAh battery (needed for its remote features). When pressing on the stylus to pop it out of its slot, a menu of options appears on the screen, showing additional functionality. Among the options, I found myself drawn to either the magnifying glass to zoom into details without pinching to zoom the entire browser window, or the shortcut to Motorola’s Notes app. 

The stylus pen also lets you highlight text and images to send to the Notes app, but I was more into using that app for jotting quick memos, like I currently do with an analog personal journal.

My favorite use of the stylus was using the on-screen cursor to help me tap icons correctly, giving me a little more intention than I manage with my finger. For instance, anytime I needed to close out of pop-up advertisements as I browsed the web, the stylus made it a lot easier to tap the «No thanks» button that’s always located suspiciously close to the option to create a new account. The same goes for when I’m reading my email; it’s easier for me to tap the smaller buttons to archive, delete, reply and forward. 

Motorola also improved the accuracy of its write-to-type keyboard when using the stylus, which I generally find works for scratching out short texts, but I wouldn’t compose a multiparagraph email with it.

Aside from the stylus improvements, most other elements of the Moto G Stylus are holdovers from last year’s phone. Features like the phone’s 68-watt fast charging and 15-watt wireless charging are welcome, especially with the phone’s slightly bigger 5,200-mAh battery. That battery still lasts an entire day easily, but I do find that running the phone’s display at the higher brightness levels has a noticeable effect on how fast its battery drains. I’m not surprised by that, and it’s easy to manage by manually dimming the screen.

30 min. wired charging test

30 min. fast charging test (charging speed/result) Percentage gained
Motorola Moto G Stylus (2026) 68W; 0% to 71% 71%
Google Pixel 10A 30W; 0% to 57% 57%
Apple iPhone 17E 20W; 8% to 61% 53%

I’m less impressed that they kept the Qualcomm Snapdragon 6 Gen 3 processor, which powered last year’s G Stylus, even after the price hike, but that’s more a symptom of the price range the phone now plays in. 

The processor effectively powers all of my tasks, light multitasking and even lets me run the game Fall Guys at high resolution and 60 frames per second — so I have no complaints there. Similarly priced phones like Google’s Pixel 10A and Apple’s iPhone 17E score much higher in benchmark test apps like Geekbench and 3DMark Wild Life.

Packing a less powerful processor means that the phone is great at running today’s apps and services, but phones like the Pixel 10A will likely have more overall longevity and resist slowing down in the years to come. 

And that, like with most other Moto G phones, remains my chief complaint: The Moto G Stylus will only get two years of software updates and three years of security updates. 

Geekbench 6.0 benchmark

Motorola Moto G Stylus (2026) 996 2,493Google Pixel 10A 1,664 3,984Apple iPhone 17E 3,320 8,351
  • Single-core
  • Multicore
Note: Higher scores are better.

3D Wild Life Extreme benchmark

Motorola Moto G Stylus (2026) 875 5.2Google Pixel 10A 2,579 15.4Apple iPhone 17E 3,936 23.6
  • 3DMark Wild Life Extreme score
  • 3DMark Wild Life Extreme frames-per-second
Note: Higher scores are better.

If you’re the kind of person who regularly switches phones every three years, you’ll likely be just fine with that limitation. But it’s glaring that a phone in the $500 to $600 price range offers only a few guaranteed years of software and security. Samsung, Google and Apple provide at least six years of security updates — a lot more flexibility if you decide to hold onto your phone a little longer.

The Moto G Stylus does flex in other ways. It’s the only phone in this price range that includes a headphone jack, a microSD card slot for expanding storage and is IP68 and IP69 certified for water- and dust-resistance. This means it’s rated to keep out particles as small as grains of sand and function after being immersed in knee-deep water for half an hour.

Moto G Stylus cameras

Motorola’s cameras are the same setup as last year’s Moto G Stylus, and that’s not a bad thing. This includes a 50-megapixel wide camera and a 13-megapixel ultrawide camera on the back, along with a 32-megapixel selfie camera on the front. The Moto G Stylus includes many of the same camera features as Motorola’s Razr line, including the option to use a natural photographic style or the AI-powered Signature Style. 

This results in photos that provide plenty of color, and I found provide a decent boost to lowlight photography. However, it does mean the Stylus — when compared to other current $500 phones — feels a little bit out of its league for photography. 

I took a close-up photo of this plant with the Moto G Stylus and Pixel 10A using their default shooting modes, as well as with the Signature Style feature on the Moto G Stylus.

The photo taken on the Moto G Stylus captures plenty of green and some leafy texture. But the same photo on the Pixel 10A has noticeably more detail.

With the Pixel 10A edition of the plant photo, you can see clearer differentiation of greens between the darker hues on the right and the lighter ones on the left. By comparison, the plant looks roughly the same color on the Moto G Stylus.

With Signature Style enabled, the Moto G Stylus shows the different greens better, but the result is noticeably saturated. This feature allows manual tuning, so you can further adjust this setting as you see fit.

During my visit to a New York Mets game, I used both rear cameras for a variety of shots around Citi Field stadium and the food available to fans.

From my seat, the wide-angle lens produces a general shot of the baseball field and the crowd, though it’s not especially detailed. The photo struggles a bit with subjects at a distance, but focuses a bit better on logos in the stands and around the field when taken using the 2x digital zoom.

The ultrawide camera captures a similar range of colors on the field as the main camera, and takes in a wider view of the stadium seating at the cost of some additional detail. 

The camera fares better with close-up subjects, such as this sushi burrito I found while touring the various concessions at the baseball game.

While all of the sushi burritos and rolls are in close-up, this photo shows the camera’s varying ability to focus. The pink burrito in the center is getting the most attention, and it’s easy to see how the wrap forms around the rice, with varying bumps and divots. The shot captures the color of the other dishes, but details like toppings on the edamame on the left, and the texture of the salmon appear a bit flat — even if this is just baseball stadium sushi.

The 32-megapixel front-facing camera on the Moto G Stylus fared the best in my testing. I used it to shoot photos both outdoors at Citi Field and indoors at a bar in the evening, and it still captured details of my face and surroundings despite the low light.

The Moto G Stylus records video at either 4K resolution at 30 frames per second or 1080p resolution at up to 60 frames per second. I found it serviceable for taking a quick clip to send to someone, but its quality is a bit grainy — I wouldn’t consider it a video camera for special-occasion footage.

Moto G Stylus: Bottom line

The Moto G Stylus offers a lot of value for its price, but knowing Motorola’s penchant for running sales, I do expect this phone to receive discounts over the course of the year. 

At launch, Motorola is adding a number of accessories with the Moto G Stylus, some of which help make the whole bundle worth it.

For instance, the 128GB Moto G Stylus will be sold with four Moto Tag location trackers, which are normally sold together for $100. The 256GB edition will be sold with the Moto Buds Loop earbuds, a Moto Watch and a single Moto Tag. That accessory package is $480 when sold separately, and could be useful if you wanted a simple fitness tracker along with new earbuds.

For now, when taken on its own, the Moto G Stylus stands out if what you want are enhanced stylus tools, a bright screen and access to bygone features like a headphone jack and microSD card slot. But if the stylus pen isn’t important, and you primarily want a faster processor and better photography, there are plenty of other phones to consider in this price range.

Motorola Moto G Stylus (2026) vs. Google Pixel 10A, Apple iPhone 17E

Motorola Moto G Stylus (2026) Google Pixel 10A Apple iPhone 17E
Display size, resolution 6.7-inch AMOLED; 2,712×1,220 pixels; 120Hz refresh rate 6.3-inch POLED, 2,424×1,080 pixels, 60-120 Hz variable refresh rate 6.1-inch OLED display; 2,532×1,170 pixels; 60Hz refresh rate
Pixel density 446 ppi 422 ppi 460 ppi
Dimensions (inches) 6.38×2.94×0.32 6.1×2.9×0.4 5.78×2.82×0.31
Dimensions (millimeters) 162.2×74.8×8.3 154.7×73.3×8.9 146.7×71.5×7.8
Weight (ounces, grams) 192.3 g (6.78 oz) 183 g (6.5 oz) 167g (5.88 oz.)
Mobile software Android 16 Android 16 iOS 26
Camera 50-megapixel (wide), 13-megapixel (ultrawide) 48-megapixel (wide), 13-megapixel (ultrawide) 48-megapixel (wide)
Front-facing camera 32-megapixel 13-megapixel 12-megapixel
Video capture 4K 4K 4K
Processor Qualcomm Snapdragon 6 Gen 3 Google Tensor G4 Apple A19
RAM/Storage 8GB + 128GB, 8GB + 256GB 8GB + 128GB, 256GB RAM unknown + 256GB, 512GB
Expandable storage Yes, microSD None None
Battery/Charger 5,200 mAh 5,100 mAh 4,005 mAh
Fingerprint sensor Under display Under display None, Face ID
Connector USB-C USB-C USB-C
Headphone jack Yes None None
Special features Active pen stylus; IP68 and IP69 certification for water and dust resistance; 5,000-nit peak brightness, two years of OS updates and three years of security updates; 68W wired charging; 15W wireless charging; Photo Enhancement Engine 7 years of OS, security and Pixel feature drops, Gorilla Glass 3 cover glass, IP68 dust and water resistance, 3,000-nit peak brightness, 2,000,000:1 contrast ratio, 30W fast charging with 45W charging adapter (charger not included), 10W wireless charging Qi certified, Satellite SOS, Wi-Fi 6E, NFC, Bluetooth 6, dual-SIM (nano SIM + eSIM), Camera Coach, Add Me, Best Take, Magic Eraser, Magic Editor, Photo Unblur, Super Res Zoom, Circle to Search; colors: lavender, berry, fog, obsidian (black) MagSafe, Qi2 charging (up to 15W), Action button, Apple C1 5G modem, Apple Intelligence, Ceramic Shield, Emergency SOS, satellite connectivity, IP68 resistance
Price (USD) $499 (128GB); $599 (256GB) $499 (128GB); $599 (256GB) $599 (256GB)

How we test phones

Every phone tested by CNET’s reviews team was actually used in the real world. We test a phone’s features, play games and take photos. We examine the display to see if it’s bright, sharp and vibrant. We analyze the design and build to see how the phone feels in hand and whether it has an IP rating for water and dust resistance. We push the processor’s performance to the extremes using standardized benchmark tools like GeekBench and 3DMark, along with our own anecdotal observations navigating the interface, recording high-resolution videos and playing graphically intense games at high refresh rates.

All the cameras are tested in a variety of conditions, from bright sunlight to dark indoor scenes. We try out special features like night and portrait modes and compare our findings with similarly priced competitors. We also check battery life by using it daily and running a series of battery-drain tests.

We take into account additional features, such as support for 5G, satellite connectivity, fingerprint and face sensors, stylus support, fast charging speeds and foldable displays, among others, that can be useful. We balance all of this against the price to give you the verdict on whether that phone, at whatever price, actually represents good value. While these tests may not always be reflected in CNET’s initial review, we conduct follow-up and long-term testing in most circumstances.

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Technologies

This Deal Brings the Bose QuietComfort Ultra Earbuds Back to Their All-Time Low

You can score these excellent earbuds for just $179 right now, if you’re quick.

We’ve spotted the Bose QuietComfort Ultra earbuds back at their lowest price, $179. You can pick them up at Amazon, where they’re being sold by Adorama, or grab them directly from Adorama if you prefer. This is a steep $120 drop from their original $299 price. We’ve seen this pair sold at this all-time low price a few times before, but it never stays around for long.

It’s worth noting that these earbuds are the now-discontinued first-gen model, which would explain the heavy discount. The newer second-gen buds look virtually identical but add features like wireless charging and improved adaptive noise cancellation. If you don’t mind missing that upgrade, this deal is an easy way to save on an excellent pair of earbuds, but you need to move quickly.

Bose is known for its high-end audio gear, and these earbuds are no exception. CNET’s audio expert David Carnoy praised their «excellent sound and best-in-class noise canceling,» awarding them an Editors’ Choice in 2023. They offer up to six hours of listening time on a full charge and three listening modes that allow you to focus or let more sound in. QuietComfort Ultra earbuds include multipoint connectivity, letting you switch between devices easily.

Need to make important calls or attend video meetings? These earbuds include a microphone that filters out excess noise so you can be heard clearly. You can also use one earbud to listen to your music, audiobooks, podcasts and more if needed. To adjust your settings, all you have to do is download the Bose app and connect these earbuds to your chosen device.

Bose includes multiple tips in different sizes so you can find the right fit. These earbuds are available at this price in four colors.

The upgraded second generation of the QC Ultra earbuds feature on our list of the best noise-canceling earbuds. Browse through to see if anything else catches your fancy.

Why this deal matters

Bose QuietComfort Ultra earbuds typically cost $299. However, this deal slashes the price by $120 at both Amazon and Adorama, so you’ll only pay $179 — the lowest price ever for these earbuds. We don’t expect this deal to last too long, so now is an excellent time to buy.

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Technologies

Little Caesars Wants ChatGPT to Order Your Pizza for You

You can personalize your pie and place your order without leaving the chatbot.

When it comes to building the perfect pizza, you need perfectly structured crust, quality cheese, well-seasoned sauce and fresh, delicious toppings. Oh, and artificial intelligence, naturally. 

Or at least that’s what Little Caesars is saying. 

Starting today, you can order Little Caesars through a new app inside ChatGPT. OpenAI’s chatbot can customize and order pizzas, or you can use ChatGPT to receive recommendations based on your budget, preferences, dietary restrictions or the number of people you need to serve. 

«Today’s consumers are turning to Gen AI as part of how they search for everything, including where to get their next meal,» Greg Hamilton, chief marketing officer at Little Caesars, said in a statement. «We recognize this shift and want to meet our customers where they already are and be the go-to for their pizza occasions. The process is as natural and intuitive as having a conversation. It’s not just about technology for technology’s sake — it’s about making life a little easier for people who love great pizza.»

Read also: I Had ChatGPT Order Me a Pizza. This Could Change Everything

How ordering a pizza with ChatGPT works

To get started, you’ll need to launch ChatGPT on your desktop or mobile device. On the ChatGPT interface, go to the Apps menu and select Little Caesars. You will need to connect your accounts by signing into your Little Caesars account or creating one. From there, you can get started with ordering. 

You can simply type in something like, «Pizzas for five people with no meat,» and you’ll get personalized recommendations for pizzas and sides that match your preferences. From there, you can tailor your order further by swapping toppings, adjusting amounts or adding an order of cookie dough brownies. 

Once you review your order, you can checkout through the Little Caesars app and then your order will go to the nearest location for you to pick up when ready. You can also schedule an order ahead of time and track your order in real-time through the app. 

The new ordering function is now available across all Little Caesars locations in the US, and many locations in Mexico and Canada.

Not interested in using AI? The Little Caesars app and website are still available, or you can always pick up the phone and call. 

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