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Texas is known for its larger-than-life persona. The best credit cards for Texas can be a good way to maximize your spending and travel habits. Depending on where you are in the Lone Star State, some cards are better a better fit than others.

credit cards for texas
Use the best credit cards for Texas to get the most out of your spending. Image by lorimalhiot from Pixabay

Credit Cards for Texas

Your credit card rewards will be the most valuable when you redeem them for award flights. Both Dallas and Houston have some of the busiest airports in the nation. Each city also has nice alternate airports such as Dallas Love Field and Houston Hobby Airport.

Dallas

Dallas/Fort Worth International Airport (DFW) is the 4th busiest airport in the United States by passenger boardings. DFW is a major hub for American Airlines. Various international airlines including Qantas also offer many flights from DFW.

Dallas Love Field (DAL) is a popular choice for Southwest, Delta, and Alaska Airlines.

Below are some of the best credit cards for Dallas.

Platinum Card from American Express

The Platinum Card® from American Express can boost your domestic and international flights. You earn 5x Membership Rewards on flights booked directly from the airline or on AmexTravel.com. Prepaid hotel booking on AmexTravel also earns 5x points.

You can transfer your Membership Rewards at a 1:1 ratio to many airline partners including Delta, British Airways, and Qantas. With British Airways, you can book partner flights on American Airlines.

Texas is lounges for some of the best airport lounge networks. At Dallas/Ft. Worth Airport, this card gives you free access to the Centurion Lounge, Priority Pass, and Delta Sky Club lounges. Houston International (HOU) also has a Centurion lounge and other airline-specific lounges.

The Platinum Card from American Express also provides these travel benefits:

  • $200 airline fee credit
  • Up to $200 in annual Uber credits
  • Global Entry or TSA PreCheck fee credit
  • Complimentary airport lounge access
  • No foreign transaction fee (See Rates & Fees)

This card’s annual fee is $550 (See Rates & Fees). When you apply through the CardMatch™ tool, you might qualify for a welcome offer of 100,000 Membership Rewards. This is this card’s highest-ever bonus offer.

Southwest Rapid Rewards Priority Card

Southwest Airlines’ corporate headquarters are in Dallas. When flying from Love Field, the Southwest Rapid Rewards® Priority Credit Card offers the best personal travel benefits:

  • $75 annual Southwest travel credit
  • 4 Upgraded Bookings per year (when available)
  • 20% back on inflight purchases
  • 7,500 anniversary points each card renewal
  • Earn up to 2x Rapid Rewards on purchases
  • No foreign transaction fee

This can also be your best option when trying to earn the Southwest Airlines Companion Pass. All purchase rewards count toward the annual 125,000-point requirement. So do the points you earn in the signup bonus.

Your annual fee for this card is $149.

Related: Best Southwest Credit Cards

Citi / AAdvantage Executive World Elite Mastercard

The premium Citi® / AAdvantage® Executive World Elite™ Mastercard® is the most luxurious credit card for American Airlines.

You get these benefits:

  • Admirals Club lounge access
  • One free checked bag for you and up to 8 companions
  • Priority check-in, airport screening (where available), and priority boarding
  • Global Entry or TSA PreCheck application fee credit
  • Earn 10,000 bonus elite qualifying miles (EQMs) after $40,000 in annual purchases
  • No foreign transaction fee

The lounge benefit alone can be worth the $450 annual fee.

Related: Best Credit Cards for American Airlines

Houston

Houston has Texas’ second busiest airport at George Bush Intercontinental Airport (IAH). Notable airlines operating from HOU include United Airlines, Delta, Singapore Airlines, and Emirates.

Southwest Airlines has a large presence at Hobby Airport (HOU).

United Explorer Card

As Houston is a United Airlines hub, you might like the United℠ Explorer Card.

United Explorer Card benefits include:

  • First checked bag is free for you and one companion
  • Two one-time United Club passes at account opening and each card anniversary
  • Earn 2x United miles on United purchases, restaurants, and hotel accommodations booked directly from the hotel
  • Fee credit of up to $100 for TSA PreCheck or Global Entry
  • No foreign transaction fee

The annual fee is $0 for the first year and then $95 each card renewal. Although you may primarily fly United, you can also redeem your miles for Star Alliance partner flights like Lufthansa for nonstop service to Frankfurt.

Chase Sapphire Preferred

The Chase Sapphire Preferred® Card is one of the most flexible travel rewards cards.

Benefits include:

  • Earn 2x Ultimate Rewards on all travel and dining purchases (1x for everything else)
  • Points are worth 25% more when redeemed for award travel on Chase
  • 1:1 airline and hotel point transfers
  • Trip cancellation/interruption benefits
  • No foreign transaction fee

You can transfer your points at a 1:1 ratio to airlines like United, Southwest Airlines, British Airway, Emirates, and Singapore Airlines. You won’t have a problem redeeming points for the major airlines operating from Houston.

Related: Best Travel Credit Cards

Austin

The best credit cards for Texas can also help you with the state capital. The primary airport is Austin-Bergstrom International (AUS).

The legacy domestic carriers and discount airlines have a large presence. You will even see several international airlines flying to Canada and Europe.

Capital One Venture Rewards Credit Card

The information for the Capital One® Venture® Rewards Credit Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

The Capital One® Venture® Rewards Credit Card earns unlimited 2x miles on all purchases. Your purchases rewards can be redeemed for travel statement credits, booking upcoming travel, or transferring to airline partners. If you tend to fly the airline with the cheapest price or best flight times for that route, you will appreciate this flexibility.

One additional travel benefit is a fee credit of up to $100 for Global Entry or TSA PreCheck. The annual fee is $95. The signup bonus is 50,000 bonus miles (worth $500 in award travel) with a relatively low $3,000 in 3 months minimum spend.

Related: Chase Sapphire Preferred vs Capital One Venture Credit Card

Delta SkyMiles Gold American Express Card

The Delta SkyMiles® Gold American Express Card can be your best option for flying Delta Airlines. It has a reasonable annual fee and plenty of Delta travel benefits. It is also one of the best Delta credit cards.

In fact, the entire Delta credit card lineup introduced new benefits in early 2020.

Card benefits include:

  • Free checked bag for you and up to 8 companions
  • Main cabin 1 priority boarding
  • $100 Delta flight credit after spending $10,000 in the calendar year on purchases
  • Earn 2 SkyMiles per $1 at restaurants, U.S. supermarkets, and Delta purchases

The annual fee is $0 for the first year and then $95 each card renewal (See Rates & Fees).

To celebrate the Delta credit card revamp, the welcome offer lets you earn 35,000 bonus SkyMiles after you spend $1,000 in purchases on your new card in your first 3 months. 

As Austin is home to a Delta Sky Club (along with DFW and IAH), you may also consider the Delta SkyMiles® Reserve American Express Card. You get complimentary Sky Club access. Also, the Amex Platinum offers you Delta Sky Club access with an active Delta itinerary.

Related: How To Choose An Airline Credit Card

Summary of Credit Cards for Texas

As Texas is home to some of the nation’s busiest airports, you have plenty of domestic and international travel options. The best credit cards for Texas let you maximize your travel habits but can help boost your daily spending power as well.

Related: Best Credit Cards for International Travel

FAQs

What is the best credit card for Dallas, Texas?

The best credit card for Dallas, Texas can be a flexible rewards card like the Platinum Card from American Express. This card is great for frequent flyers and international travel. You can get free lounge access at the Centurion, Priority Pass, and Delta Sky Clubs in Dallas/Ft. Worth International Airport.

Other airlines with a major presence in Dallas include American Airlines and Southwest Airlines. One of their co-brand cards can be helpful if you favor a particular airline. 

What is the best credit card for Houston, Texas?

You might consider getting the Chase Sapphire Preferred to earn flexible travel rewards. For instance, you can transfer your Ultimate Rewards to United Airlines or Southwest Airlines. Both of these airlines fly multiple flights from Houston’s airports. Houston also has many international airlines that you can either transfer Ultimate Rewards to or redeem your points for award flights with a 25% travel redemption bonus.

As United Airlines has a major hub in Houston, their co-brand United Explorer Card is worth considering. You and one companion get one free checked bag. At the card opening and each renewal, you get two one-time United Club lounge passes.

What is the best credit card for Austin, Texas?

Austin has plenty of domestic and international flight destinations for a mid-size airport. As one airline doesn’t have an overwhelming presence like Dallas or Houston, the Capital One Venture Card is a great option.

You earn unlimited 2x miles on all purchases. You can redeem your miles for travel statement credits, upcoming travel, or transfer to airline partners. The annual fee is $0 for the first year and then $95 each card anniversary. Capital One also reimburses your TSA PreCheck or Global Entry application fee credit, up to $100.

For rates and fees of The Platinum Card® from American Express, please click here.

For rates and fees of the Delta SkyMiles® Gold American Express Card, please click here.

Josh Patoka
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