T-Mobile US is stepping beyond cellphones and offering payment cards in the latest effort to differentiate its service from bigger rivals. The No. 4 U.S. mobile provider said it is offering a Visa card with banking features and a smartphone money management application with reduced-fee or zero-cost services for T-Mobile wireless customers. The card, issued by a Bancorp Inc subsidiary and licensed by Visa Inc, is similar to a bank account. This has to be seen today as strictly a competitive differentiator and not a revenue opportunity, though I would expect T-Mobile to offer a broader range of financial services over time, and perhaps try to make some money on those, Dawson said.