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The best phone contracts with no upfront costs in January 2020

Phone contracts with no upfront costs are rife these days, allowing you to easily compile all of your costs into the monthly section of your phone contract. 

And luckily, finding a phone contract with no upfront costs is really easy. Whether you're looking for something on a budget or a deal on a flagship phone, retailers frequently offer up great prices with no spend at the start.

In fact, we often see some of the best price points on these free upfront plans. Whether it be the latest iPhone 11 Pro deals and Samsung Galaxy S10 Plus deals or the budget Moto G7 Power, phone contracts with no upfront costs are rife right now.

However, the hard part is finding them. You could check individual retailers, looking for the best price you can find but that would take a while. Instead, we've done the searching for you, tracking down a host of mobile phone deals with no upfront costs.

Below, you will find a huge range of offers, split into flagship handsets, mid-range phones and finally, budget devices. 

Compare flagship phone contracts with no upfront costs:

Looking for the best of the best? These handsets are the top dogs from the main phone providers. That means they either feature on our best smartphones guide or they've proven in our time reviewing them that they are giving you the best specs possible. Of course, they will all come with relatively high prices but the lack of upfront costs helps knock it back down.

Compare mid-range phone contracts with no upfront costs:

Not everyone is fussed about having the best phone out but if you still want something impressive, a mid-range phone could do well for you. Mid-range handsets are exactly what they say on the tin, meeting the middle-point of specs and price. 

Many of the handsets are more affordable versions of the devices seen above that retailers release as an alternative. And of course, even with the reduced prices, there are still no upfront costs.

Compare budget phone contracts with no upfront costs:

Finally, the budget phones. With options dropping below the £20 a month-mark, these phone contracts with no upfront costs are for those not interested in flashy specs and tech tricks with their phone, just something cheap and cheerful.

What's the difference between cashback and cashback by redemption?

You'll likely notice from the charts above that when it comes to free upfront mobile deals, a lot of them tend to have cashback on top. However there are two forms of cashback - instant and redemption - but what's the difference?

Instant cashback:
It's exactly what it says on the tin. You buy your brand new phone contract with no upfront costs and then you get some cashback. While 'instant' or automatic as it is also called is the easier of the two options, it does still take up to 90 days to arrive from most retailers.

Cashback by redemption:
This is the more complicated form of cashback but if you're committed, it could be the bigger pay-off. That's because this form of cashback tends to be pretty high, often saving you a few hundred on your phone. However, to get that higher cashback, you have to claim it back in instalments.

That means sending your phone bill to the retailer you bought it from a few times throughout your contract and getting your cashback is individual smaller lumps.

Is it cheaper to get phone contracts, no upfront costs?

This completely depends. These kind of deals are not necessarily cheaper but if you find the right option, you could end up saving big overall. Obviously you'll not have to worry about spending at the start but due to the lack of upfront costs you could well end up getting hit with some large monthly costs. With that in mind it is good to see what the average overall cost of different contracts is to get an estimation of whether you're getting a good price or not.

Can I just get a phone without a plan?

While phone contracts with no upfront costs are a great way to drastically reduce costs, some people may just want to completely skip out on a contract. The only way to do this is to buy a SIM-free mobile phone and either go PAYG or get a SIM only deal.

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