Three Samsung Galaxy Note20 phones, in black, bronze, and white
Photo: Samsung

The new Samsung Galaxy Note20 phones are officially on sale. And while they certainly aren’t cheap, there are deals to be had.

The Galaxy Note20—which comes with 128 gigabytes of storage—costs $1,000. The Galaxy Note20 Ultra—featuring 128GB or 512GB of storage—starts at $1,300. Both phones are in stores now.

Unlike last year’s models, the new phones have the hardware needed for 5G connectivity. They also offer a new camera setup, bigger batteries, more note-taking and gaming features, and an improved S-Pen stylus. 

More on Smartphones

The Samsung Galaxy Z Flip 5G, $1,450, is now on sale, too. There are a few deals for that one, as well.

But before you purchase a phone from Samsung or a cell carrier, be sure to read the fine print. Many offers come with a catch or two.

To start, you typically need a good credit history and a trade-in phone in good working order.

Be prepared to move fast, too. These deals aren’t going to last forever.

Samsung

Order a Note20, Note20 Ultra, or Z Flip 5G directly from Samsung and you can get up to $650 off the regular price.

The deal requires that you provide a qualifying trade-in and finance the purchase through Samsung. Acceptable trade-ins include all Note10 models and the Apple iPhone 11 Pro. Other phones are worth lesser amounts.

Got a phone with a broken screen? You can still get up to $400 for it, Samsung says.

AT&T

This carrier is offering up to $1,000 off the Note20 or Note20 Ultra to new customers and those who add or upgrade a line.

In theory, this makes one Note20 free, but there are a few catches. You have to trade in an eligible phone, sign up for one of the company’s unlimited plans, and finance the phones through AT&T over a period of 30 months.

The discount comes in the form of monthly credits. Cancel early and you lose all remaining credits, which means you have to pay the phones off immediately.

Need another incentive? Buy any Samsung Galaxy phone, including one of the Note20 models or the Z Flip 5G, and AT&T will give you $50 off a pair of Samsung’s new Galaxy Buds Live, which normally retail for $170. This offer expires Sept. 30.

T-Mobile

T-Mobile, which has merged with rival carrier Sprint, has a buy-one-get-one offer for new customers who sign up for at least two lines of qualifying service and existing customers who add a line.

Buy a pair of Note20 or Note20 Ultra phones and you get $1,000 in bill credits, essentially making one Note20 free.

The credits are spread over 24 months. Cancel your T-Mobile service early and you’re on the hook for the remaining balance.

Those interested in the Z Flip 5G can receive up to $500 off the retail price with a qualifying trade-in. Phones dating back to the iPhone XR and Galaxy S9 are eligible for the full amount. Others are worth lesser amounts.

Verizon

This carrier’s offer is much the same as T-Mobile’s. Buy one of the Note20 phones and you can get $1,000 off a second Note20 or one of Samsung’s Galaxy S20 phones.

You have to sign up for a qualifying unlimited service plan and finance the phones over 24 months, forfeiting the bill credits if you cancel your service early.

Verizon also has a single-phone option. You can get up to $500 off a Note20 if you sign up for a qualifying unlimited plan and trade in a phone dating back to the iPhone 6 or Galaxy S6.