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Unlocked Note 20 Ultra 5G work with Verizon or Spectrum?

Sure it will. It's unlocked: so any carrier that uses nanoSIM cards can be used. I've used the unlocked Note 9 and 10+ for years on Verizon. Can't speak to Spectrum, as that sounds like wifi calling but your area may be different.
 
Do you just buy the unlocked phone from Samsung and then take it into Verizon for activation? not having the Verizon BS on the phone would be great!
 
you buy unlocked from samsung and you get a verizon sim. you should be able to order one and have it shipped to you if you dont want to go into the store. once you get the sim just pop it in and boom goes the dynamite.

if you already have a verizon sim, just pop it in.

i always buy unlocked and just swap sim cards.
 
Actually, you should be able to buy a carrier free Note from Samsung and drop your old sim card into it bypassing Verizon's activation charge. The beauty of carrier free versus unlocked is that all the carrier bloat is left off so you only get Samsung's bloat.
 
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