The phone says Verizon but the description says works with T-mobile as well, is that true?

No! you are not able to use all of the apps as you would if it was a verizon phone on the verizon network...that is why I bought Verizon network phone

can you use a tmobile sims card on this phone even though its verizon?

Hi Firkle! Thank you for your interest on our devices. This version of Samsung - Galaxy Note10 Plus 5G Enabled is open only for the carrier Verizon. Only Verizon sim cards will work on this. For more information regarding this device, kindly visit this page: https://www.amazon.com/dp/B07YX9X6TC?ref_=dpLink. Thank you and have a great day!

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