I have T-Mobile, I can't remember if it has free mobile-to-mobile or not, I'd have to look. But it's 10 cents a minute (10 cents per text if you're into texting) and no roaming or long distance charges, it's just 10 cents no matter what. I've never had a problem with the signal and the one time I had to call customer service they were very helpful. If you can afford to put $100 on it at once the minutes won't expire for a year, and will roll over for another year as long as you add more minutes before they expire. $100 lasts me about a year, so it works out just perfectly. I wind up spending less than $10 a month for my cell! If you can't afford the $100, then you can do smaller amounts and it's good for three months, again unused minutes roll over as long as you add more minutes before they expire they'll roll over to your new expiration date.