You open your email, squint at the PDF attachment of your latest mobile bill, and there it is. A random $10 or $20 increase that wasn't there last month. It’s frustrating. For years, Verizon has used "loyalty discounts" as a way to keep long-term customers from jumping ship to T-Mobile or AT&T. But lately, many users are reporting those Verizon loyalty discounts ending without much of a warning, or at least not one that was easy to find in a cluttered inbox.
It feels like a betrayal. You’ve been with Big Red for a decade, you pay on time, and suddenly the "thanks for being a customer" credit just vanishes. Honestly, the wireless industry is shifting. Carriers are moving away from permanent legacy discounts and pushing everyone toward their newer, often more expensive, "myPlan" tiers. If you’re seeing your monthly total creep up, you aren't imagining things.
Why the Verizon Loyalty Discounts are Ending Right Now
The math for cellular giants has changed. In the past, keeping a customer was cheaper than finding a new one, so they’d slap a $15 "Loyalty Credit" on your account and call it a day. Now, with the massive capital expenditures required for 5G Ultra Wideband expansion and the rising costs of content bundles like Disney+ and Hulu, Verizon is tightening the belt.
Many of these discounts were never meant to be permanent. If you look at the fine print from three years ago, a lot of those credits had 12, 24, or 36-month expiration dates. We are currently hitting the "cliff" for a massive wave of promotions that were handed out during the mid-pandemic retention push.
Another factor? The transition to myPlan. Verizon is aggressively trying to sunset older plans like Get More, Play More, and Do More. By letting loyalty discounts expire on these older "Unlimited" plans, they effectively nudge you to look at their current offerings. It’s a subtle pressure tactic. If your old plan suddenly costs the same as the new one but has fewer perks, you’re more likely to switch.
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The "Plan Rate Adjustment" Stealth Increase
Sometimes it isn’t even the loyalty discount expiring—it’s a forced rate hike. Recently, Verizon began adding "Plan Rate Adjustments" to legacy accounts. They might call it a "Legacy Account Surcharge." It’s basically a penalty for staying on a plan they no longer want to support.
I’ve seen reports on platforms like Reddit and the Verizon Community forums where users saw their bills jump by $4 per line. When they called to complain, they were told their old loyalty credit had reached its "natural end." It’s a double whammy: the discount leaves, and the base price goes up.
How to Check if Your Discount is About to Vanish
Don't wait for the bill to arrive to find out you're paying more. You need to be proactive.
Log into the My Verizon app. Don't just look at the total balance. Go into "Bill Details" and actually look at the line-item breakdowns for each phone number on your account. Look for phrases like "Valued Customer Discount" or "Loyalty Offer."
If you see an expiration date next to it, like "Month 23 of 24," you know exactly when the hammer is going to drop. If there is no date, it doesn't mean it’s forever. Verizon reserves the right to remove these discretionary credits with a 30-day notice, which is usually buried at the very bottom of a previous bill under "Upcoming Changes."
What Most People Get Wrong About Retaining Discounts
A common mistake is calling in and being aggressive with the first-tier customer service representative. These people don't have a "Magic Discount" button they can just press because they like you. Most of the time, the system literally won't let them re-apply an expired loyalty credit.
You have to get to the Retention Department, also known as the "Loyalty Team."
Tell the automated system you want to "cancel service." This is the fastest way to get routed to a human who actually has the authority to look at "Save Offers." These are specific buckets of money allocated to keep customers who are actively threatening to leave.
Does the "Secret" $10 Discount Still Exist?
There’s been a lot of talk about the "loyalty invite" that appears in the "Make the Switch" or "Offers" section of the app. Sometimes, if you navigate to the page where you would generate a Port Out PIN (the code you need to take your number to another carrier), Verizon's system triggers an automated retention offer.
It’s a bit of a gamble. Some people have successfully seen a "Stay with us and save $10 per line" pop-up. Others just get the PIN. But if you’re facing Verizon loyalty discounts ending, this "fake-out" move is often the only way to trigger the algorithm to offer you a new discount without spending two hours on hold.
Evaluating the Move to myPlan
If your discount is gone and your bill is bloated, you have to decide if the new plans are worth it. Verizon’s current structure consists of:
- Unlimited Welcome: The "budget" option. No hotspot, no 5G Ultra Wideband (in some cases), and "throttled" speeds if the network is busy.
- Unlimited Plus: The sweet spot for most. Includes 30GB of hotspot and full 5G speeds.
- Unlimited Ultimate: Excessive for most, but great if you travel internationally a lot.
The trick here is the "Perks." Verizon now charges $10 per month for things that used to be included, like the Disney Bundle or Netflix. If you were getting those for free on an old "Get More" plan and your loyalty discount ends, you might think switching to myPlan saves you money on the service, but once you add the $10 perks back on, you’re actually paying more than you were before.
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Do the math. Seriously. Sit down with a calculator and a cup of coffee. If you don't use the Disney Bundle, switching to Unlimited Welcome might save you $20 a month, making the loss of your loyalty discount a moot point.
Real-World Alternatives if Verizon Won't Budge
If you've called, chatted, and tried the "Port Out PIN" trick and they still won't help, it might be time to look elsewhere. The "loyalty" in the telecom world is a one-way street.
Visible by Verizon is a massive disruptor here. They are owned by Verizon and use the exact same towers. If you’re happy with the coverage but hate the bill, Visible Plus offers the same 5G Ultra Wideband performance for a flat $45 a month (often $35 with promos), taxes and fees included. No loyalty discounts to worry about because the price is already "bottomed out."
Then there's US Mobile. They offer "Warp 5G," which is just their marketing term for Verizon's network. You can get similar coverage for a fraction of the cost.
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Actionable Steps to Lower Your Bill Today
If you've noticed your Verizon loyalty discounts ending, follow this exact sequence to try and fix it:
- Generate a Port Out PIN: Go into your account settings and act like you are leaving. Check the "Offers" tab immediately after. Sometimes the system "wakes up" and drops a new $10-per-line discount in your account to prevent the port.
- Audit your "Perks": Look at your add-ons. Are you paying for Verizon Cloud? Apple Arcade? Smart Family? Most people have $15 in "vampire" charges they don't use. Kill them.
- Check for "Military" or "First Responder" Status: If you or someone on your account is a teacher, nurse, student, or veteran, these discounts are often larger and more permanent than "loyalty" credits. You usually have to re-verify through ID.me.
- Auto-Pay and Paperless Billing: This is the big one. If you aren't using a debit card or a bank account (Verizon stopped giving the full discount for credit cards recently, unless it's the Verizon Visa), you're leaving $10 per line on the table.
- The "Cancel" Call: Call 1-800-922-0204. Say "Cancel Service" to the prompt. When you get the loyalty agent, be polite. Say: "I noticed my loyalty discount ended. My bill is now $[X], and [Competitor] is offering me a plan for $[Y]. Is there any 'Valued Subscriber' credit available to bring this back down?"
Verizon is a business. They want your money, but they also want to keep their "churn" rate low. If you show them you know the numbers and are willing to leave, they are much more likely to find a "special" credit that "just appeared" in their system. If not, don't be afraid to actually port out. In 2026, switching carriers takes about 10 minutes with an eSIM, and the savings usually far outweigh the hassle.
Check your "Estimated Next Bill" today. If that loyalty credit is gone, the time to act is now, before the next billing cycle locks in. Over the course of a year, losing a $20 discount is $240 out of your pocket. That’s worth a 20-minute phone call.