T-Mobile is reportedly on the verge of introducing its own branded credit card, with The Mobile Report uncovering a “t_card_account_link” inside the T-Life app.

The return of autopay discounts: The discovery points to a potential partnership with Capital One, and could bring back the autopay discounts T-Mobile scrapped in 2023, a move that drew considerable backlash at the time.

Reports cited by Android Authority suggest the new card might integrate seamlessly into T-Mobile’s existing app ecosystem, offering an all-in-one solution for billing and account management.

Entering a crowded space: T-Mobile is looking to stand out with perks that rival the benefits offered by Verizon and AT&T carrier-branded cards. The carrier had previously planned a credit card with Goldman Sachs, though that attempt was shelved before release.

Leveling up by listening to customers: PhoneArena points out that T-Mobile’s decision to drop autopay discounts for credit card payments in 2023 stirred discontent, so reinstating that perk could alleviate customer qualms. It could also help T-Mobile retain those on the fence about switching, especially after recent fee adjustments and price hikes. If T-Mobile follows through this time, it could complete the company’s evolution from a scrappy smaller major carrier alternative to a telecom heavyweight that uses financial incentives to lock in loyalty.