With the recent Sprint instant credit offer that shaves $100 off an iPhone 5s/5c and with iPhone 5s’s release right around the corner, users are looking for the most cost-cutting iPhone 5s and iPhone 5c plans across the carriers.

This time around, we have the iPhones releasing across all the four major carriers: AT&T, Verizon, Sprint and T-Mobile. Most of the existing customers are going to stick to their carriers, only upgrading the iPhone. But new and other customers who are looking for the best plans have a tough time choosing between the four carriers.

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Almost all carriers want to attract new customers to the iPhone 5s and iPhone 5c. That explains most carriers offering $0-down payment offers and Sprint cutting $100 off the iPhone 5c/iPhone 5s price.

iPhone 5s & 5c Price on AT&T, Sprint, Verizon and T-Mobile

All prices mentioned for iPhone 5c and iPhone 5s 16GB version.

When you port your number to Sprint, you get a $100 instant credit that can be used against the purchase of iPhones. This means you can get the iPhone 5c for free and the iPhone 5s for $99.

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  • Sprint average monthly cost: $70/$80.
  • Second line at $10 extra per month.

AT&T has three plans – MobileShare, FamilyTalk and Individual. You also have the new Next program that lets you upgrade to a new device every 12 months. You will have to pay 20 monthly installments though.

AT&T does not have an interesting offer like Sprint but it does offer $100-discounts on upfront payment for iPhone 5c and iPhone 5s. Effectively, you get an iPhone 5c for $0 down and an iPhone 5s for $99.

AT&T average monthly cost: $70 (mobile share), $69.99 (family talk, 700 minutes), $80 (Individual plans). All with text and data limits.

T-Mobile follows a similar pattern as that of AT&T. You get the iPhone 5c for no upfront and the iPhone 5s for $99. The Jump program lets you upgrade to a new phone twice a year.

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T-Mobile Average cost: $72 (includes installment for the iPhone).

“Jump” for $10/month extra.

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At the moment, we don’t have data about Verizon’s discounts but the Edge plan, for iPhone 5c offers a $0 upfront. But where Verizon scores is the country-wide coverage that peaks in the Bay Area and East Coast?