Having a prepaid cell phone is becoming more popular in the United States. There is no contract to sign and no monthly bill to pay.

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Comparisons & Recommendations

Refill Requirement: The longest you can go without refilling your account is 365 days. With 7-Eleven Speak Out Wireless you get this for all refill amounts. So, if you spend $25, it will last you a whole year, assuming you don't make phone calls for more than this amount. With Cingular, T-Mobile and Tracfone you have to spend between $100 and $150 to get the 365 day option.

Cost Per Minute: The lowest cost per minute is 10 cents. To get this with Cingular, T-Mobile and Tracfone you have to spend $100 to $150 and buy their high-minute cards. Otherwise their minute cost varies between 13 and 40 cents. Boost Mobile offers 10 cents per minute at night, their normal rate is 20 cents per minute. Verizon Wireless charges 10 cents per minute but has a 99 cents per day fixed fee.

Fixed Cost: Verizon Wireless charges 99 cents per day, even if you don't use your phone. Cingular Gophone charges $1 per day for the days that you use the phone. Boost Mobile charges $1 per day for the walkie-talkie feature. 7-Eleven Speak Out Wireless charges 4 cents per day ($1.25 per month).

Recommendations: In my opinion, the best choice for a regular and low minute user of prepaid cell phones is Speak Out Wireless from 7-Eleven because of the 365 day expiration of the minutes and a reasonable cost per minute charge. If you are a high minute user, the Net10 Wireless option may be your best choice, but then a standard cell phone contract might be even better.