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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

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

Editor’s Note: Some of the offers below may have expired or are no longer available on our site. 

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.

The Platinum Card from American Express

The Platinum Card® from American Express can boost your domestic and international flights. 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.

Perks

Cardholders earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel, up to $500,000 on these purchases per calendar year, and earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel.

Cardholders can get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, with American Express Travel when paying with their Platinum Card®.

Also, get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.

Plus, American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.

Terms apply. Enrollment may be required.

Other Platinum Card from American Express Benefits

There’s also a new digital entertainment credit. Cardholders can get up to $20 in statement credits each month when you pay for eligible purchases with The Platinum Card® from American Express at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.

In addition to enjoying TSA PreCheck or Global Entry access, cardholders can also enjoy CLEAR perks. Cardholders can use their Card and get up to $189 back per year on their CLEAR® membership. Terms apply.

Another exciting new benefit is the ability for cardholders to enjoy up to $25 back each month on select Equinox memberships when you pay with your Platinum Card®. This amounts to up to $300 annually. Enrollment required. 

There is also a $155 Walmart+ credit to enjoy. This covers the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.

Get the full details and learn more in our in-depth The Platinum Card from American Express review.

The annual fee is $695 (See Rates & Fees) but can be offset with the perks, which are valued at over $1,400. 

Welcome Bonus Offer

New The Platinum Card® from American Express cardmembers can earn 100,000 Membership Rewards® Points after spending $6,000 on purchases on the Card in the first 6 months of Card Membership. Plus, new cardholders can choose new Platinum Card designs! Select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu. Terms apply.

Learn more: Johnny Jet Recommended Credit Cards 

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)
  • 25% back on inflight purchases
  • 7,500 anniversary points each card renewal
  • No foreign transaction fee

Cardholders earn unlimited:

  • 3x points on Southwest® purchases
  • 2x points on local transit and commuting, including rideshares
  • 2x points on internet, cable, phone services, and select streaming purchases

With the Southwest Rapid Rewards® Priority Credit Card, you can earn 75,000 bonus points after spending $5,000 on purchases in the first 3 months.

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 traveling on the same domestic American Airlines itinerary
  • Priority check-in, airport screening (where available), and priority boarding
  • Global Entry or TSA PreCheck application fee credit
  • No foreign transaction fee

Cardholders earn 2x AAdvantage® miles for every $1 spent on eligible American Airlines purchases. Earn 1x AAdvantage® mile for every $1 spent on other purchases. Plus, earn 1 Loyalty Point for every 1 eligible mile earned from purchases.

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:

  • The 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, dining including eligible delivery services, and hotel accommodations booked directly from the hotel
  • Fee credit of up to $100 for TSA PreCheck or Global Entry
  • 25% back on United® inflight purchases
  • No foreign transaction fee

The annual fee is $0 for the first year and then $95 for 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.

New United Explorer Card cardholders can earn up to 70,000 bonus miles. Earn 60,000 bonus miles after spending $3,000 on purchases in the first 3 months their account is open. Plus, earn an additional 10,000 miles after spending $6,000 total on purchases in the first 6 months their account is open.

There is a $0 introductory annual fee for the first year, then $95.

Learn more: Airline Credit Cards

Chase Sapphire Preferred Card

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

Benefits include:

  • Earn up to 5x points on purchases
  • 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 Capital One Venture Rewards Credit Card earns unlimited 2x miles on all purchases. Your purchase 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.

However, if you are wanting to earn a few more miles on travel, good news—earn 5x miles on hotels and rental cars booked through Capital One Travel. Plus, Venture cardholders will earn 5x miles when booking through the Turo app or on Turo.com (through May 16, 2023). 

New Capital One Venture Rewards Credit Card cardholders can earn 75,000 miles after spending $4,000 on purchases in the first 3 months. This is equal to $750 in travel. 

Learn more: Travel Rewards Credit Cards

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.

Card benefits include:

  • Free checked bag for you on Delta flights and up to 8 companions
  • Main cabin 1 priority boarding
  • Terms apply

You get priority boarding on Delta flights plus Main Cabin 1 Priority Boarding.

The Delta SkyMiles Gold Credit Card earns 2x Miles on Delta purchases, at restaurants worldwide (including takeout and delivery in the U.S.), and at U.S. supermarkets (1x Mile for everything else that is eligible). It also has 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.

Additionally, you can Pay with Miles: take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.

For a limited time, new Delta SkyMiles® Gold American Express Card cardholders can earn 70,000 bonus miles after you spend $2,000 in purchases on their new Card in their first 3 months. The offer ends 8/3/2022.

Plus, Gold card members will receive a $100 Delta Flight Credit after spending $10,000 in purchases on their card in a calendar year. Cardholders can use the Credit for future travel.

The introductory annual fee of $0 for the first year, then $99 (See Rates & Fees).

As Austin is home to a Delta Sky Club (along with DFW and IAH), you may also consider one of the other premium Delta credit cards. Terms apply.

Learn more: Airline Credit Cards

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 (enrollment required), 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.

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Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.

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