If a deal roundup sent you to Visible for an iPhone 18 Pro, stop there. Visible's deals page, retrieved Nov. 1, lists no iPhone 18 Pro promotion at all, and a search record for that official page says the offer ended Oct. 29. AT&T and T-Mobile are still advertising up to $1,200 in bill credits on the phone, by different routes, and both pay out over 36 months.
Neither one is a free phone with no strings. AT&T's product page reaches $0 a month only with an eligible plan and a trade-in valued at $230 or more. T-Mobile's Apple deals page has a route that skips the trade-in, but it wants a new line, an eligible number port-in and qualifying service priced at $100 or more a month with AutoPay. AT&T doesn't name or price its eligible plan, so the two offers can't be compared on total cost. This report names no winner.
Visible: the offer isn't on the page anymore
What Visible's deals page does list is a $480 iPhone Duo promotion, which requires buying the phone at full retail price and staying 24 consecutive months on the $45-a-month Visible+ Pro plan. Different phone, and no substitute for the iPhone 18 Pro offer. The Oct. 29 end date comes from the retrieved search record for Visible's page rather than from a notice on the page itself. Either way, Visible can't be counted as a verified iPhone 18 Pro option as of Nov. 1.
AT&T: $0 a month, after a trade-in valued at $230 or more
AT&T lists the 256GB iPhone 18 Pro at $1,199.99, or $33.34 a month before credits, and advertises a price as low as $0 a month once up to $1,200 in credits are applied over 36 months. Thirty-six payments of $33.34 come to $1,200.24, so a full credit covers the retail price within rounding. The weight sits on the words up to: AT&T says credits vary by the trade-in and plan combination and can come in below $1,200. Monthly pricing requires a 0% APR, 36-month installment agreement, $0 down goes only to well-qualified buyers, and tax on the phone's full price is due at the sale.
T-Mobile: up to $1,200, against at least $3,600 in service
T-Mobile pays its discount as up to 36 monthly bill credits and requires qualifying credit and financing. On the no-trade-in route, the qualifying plans are Experience Beyond 2.0, open to new and existing customers, and Experience Beyond or Go5G Next, for existing customers only. At the $100 minimum, 36 months of that service runs $3,600 before taxes and fees. That's what collecting the credits costs you, not a savings figure. Tax on the phone's pre-credit price and a $35 device connection charge are due at sale. Credits can take two billing cycles to show up, and T-Mobile caps the promotion at four discounted devices per account.
The discount only adds up if you stay
Both offers arrive monthly, not as money off the sticker price. T-Mobile says canceling the account or paying off the device early ends the remaining credits, and the financed balance stays due. AT&T's credits also run over 36 months alongside a 36-month installment agreement, though its retrieved page didn't spell out what happens to those credits if you leave early.
As an illustration using T-Mobile's terms and an even split, $1,200 over 36 months works out to about $33.33 a month. Walk away after a year and you'd have collected roughly $400 in credits, with about $800 still owed on the phone. Actual credit schedules may not be even.
T-Mobile’s current offer versus the Oct. 13 roundup
The T-Mobile page we retrieved Nov. 1 lists up to $1,200 in credits. Tom's Guide's roundup, last updated Oct. 13, listed up to $1,000 off with an eligible trade-in or number port and an Experience Beyond plan. The retrieved pages don't show when the listed amount changed, and nothing here indicates that either carrier just launched or raised its offer.
What isn't established
- AT&T's eligible plan: the page neither names it nor gives a price.
- Whether AT&T requires AutoPay or a new line for the device promotion.
- End dates: neither carrier lists a definite expiration on the retrieved pages.
- Data priority, hotspot, roaming and Canada or Mexico terms on the qualifying plans.