13 Best Best Credit Card Perks in Texas
If you are looking for the best credit card perks in Texas, then you are in the right place. However, each person’s financial situation is unique, and one’s preferences may not apply in every case. For example, someone who carries large balances should prioritize low-interest-rate cards rather than cashback credit cards.
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The best credit card perks in Texas depend on your needs. If your interest is cashback, then choose the one offering the best cashback rates. There are credit cards for everyone’s diverse needs. For example, if you are into travel and use airlines, there are also perks for you.
If you have plans of purchases in the future but don’t have the cash to pay for it, many different credit cards can provide you with some money to use for that purpose.
When going for the best credit card, it is paramount that you consider and compare the offers by interest rates, fees, and features. In addition, look at monthly interest rates on purchases and balance transfers.
Consider the annual fee and research the perks, such as rewards points, cashback rebates, travel miles, etc., if possible; you can trade-in reward points for various things like gift cards to retailers, airline mileage, hotel stays, etc. In addition, some credit cards offer unique financing options for purchases of educational materials or approved school equipment.
Highlights of the Best Credit Card Perks in Texas
American Express Blue Cash Preferred
American Express Blue Cash every day: if you spend $1000 in the first three months of opening your account. No annual fee for the first year; $75 annually after that.
Capital One QuickSilver
Capital One QuickSilver: no annual fee for the first year; $59 annually after that. Receive 50,000 bonus points after you spend $3000 in the first three months of opening your account.
Chase Sapphire Preferred
Chase Sapphire Preferred: earn 40,000 bonus points after spending $2000 in the first three months. The annual fee is not payable the first year.
Discover it Secured Credit Card
Discover it Secured Credit Card: if you spend $200 in the first three months of opening your account, receive a credit line increase to $2000. The annual fee is exempt for the first year; $99 annually after that.
Fidelity Rewards Visa
Fidelity Rewards Visa: if you spend $500 in the first three months of opening your account, receive a $100 bonus. No annual fee for the initial year, but $2 annually after that.
PenFed Platinum Cashback Rewards Plus American Express
PenFed Platinum Cashback Rewards Plus American Express: no annual fee for the first year; $49 annually after that. Receive 1.5% cashback on purchases, with an additional .5% cash rebate at the end of each billing period when you pay your bill using the account.
Premier Rewards Gold Card from American Express
Premier Rewards card earns 25,000 reward points after spending $2,000 within three months. No annual fee for the first year; $175 annually after that.
Secured MasterCard
Secured MasterCard: if you spend $1000 in the first three months of opening your account, receive a $200 credit line increase. The annual fee is exempt for the first year; $39 annually after that.
Wells Fargo Cash Back College Visa
Wells Fargo College Visa: if you spend $500 in the first three months of opening your account, receive a $100 bonus. Annual exempted for the first year; $25 annually after that.
American Express Blue Cash Preferred
American Express Blue Cash Preferred – offers 6% cashback on groceries, 3% at gas stations and department stores, 1%back everywhere else. $100 sign-up bonus for spending $1,000 in the first three months of opening your account. Minimum Credit Required: Good
Capital One Quicksilver Cash Rewards
Capital One Quicksilver Cash Rewards – Offers 1.5%back on all purchases, with an additional .5% “bonus” on certain months of the year for targeted spending. No, sign-up bonus, but no annual fee either. Minimum Credit Required: Average
PenFed Power Cash Rewards
PenFed Power Cash Rewards – Earns 3% back at gas stations and military bases (with proper ID), 2%back on grocery stores, and 1%cash back on everything else. $100 sign up bonus for first-time cardholders
Hilton Honors American Express Ascend Card
The Hilton Honors American Express Ascend Card has an annual fee of $95 per year, waived for the first year. Offers 12 Hilton Honors Bonus Points at hotels and resorts in Texas and other states. 6 Hilton Honors Bonus Points on US restaurants, supermarkets, and gas stations; 3 Hilton Honors Bonus Points on all other eligible purchases.
Conclusion
The best credit card perks in Texas will be helpful to you, depending on your priorities. If you’re trying to spend less on interest, then look at the best cards for no annual fee.
The best balance transfer credit card might be the best option if you need to pay down credit card debt. People looking for a new phone might find the latest offers enticing, while the travel enthusiasts might find value in the best credit cards for airlines, travels, and hotels.
