Best bank account and credit card bonuses in Texas
Updated November 7, 2026. 33 bank bonuses and 40 credit card bonuses are open to Texas residents, including 5 from regional banks and credit unions that only serve Texas and nearby states. Each offer shows what you need to do, its estimated value after tax and costs, and a link to the issuer's terms.
Typical 12-month plan
$11,114
net, after tax and costs
Biggest bank bonus
up to $2,500
HSBC
Biggest card bonus
$1,800
Chase Sapphire Reserve
Offers in TX
73
33 bank · 40 card
What a typical Texas household could earn
We ran our planner for someone in Texas with $6,000/month of direct deposit, $25,000 of savings earning 4% elsewhere, $2,500/month of card spending, good-to-excellent credit and a 22% tax rate (federal only, since Texas has no state income tax). It schedules 18 bank accounts and 7 cards over 12 months, within issuer rules like Chase 5/24, for about $11,114 net ($13,605 gross).
- Chase Southwest Rapid Rewards Priority, starting Nov 2026: 90,000 SW + ~$75 credits, about $995 net
- American Express Delta SkyMiles Gold, starting Nov 2026: 50,000 DL + $400, about $880 net
- Barclays JetBlue Plus, starting Feb 2027: 75,000 B6, about $869 net
- Bank of America Atmos Rewards Ascent, starting Apr 2027: 80,000 AS, about $825 net
- Citi AAdvantage Platinum Select, starting Jun 2027: 80,000 AA, about $765 net
- SoFi Checking & Savings, starting Nov 2026: $300 + ~$375 portal, about $609 net
Build my own Texas plan Free. Enter your own numbers and get a month-by-month checklist.
Regional bonuses for Texas
These banks and credit unions only open accounts for residents of Texas and a few nearby states. Local banks often pay more than national ones because fewer people can apply.
| Offer | Bonus | What you need to do | Est. value after tax & costs | |
|---|---|---|---|---|
| Truist One Checking regional$12/mo fee, waivableterms checked 12 days ago |
$500 | $1,000 direct deposit within 120 days | $390 | Terms ↗ |
| PNC Virtual Wallet 2 bonus tiers; best for a typical Texas resident shown regional$7/mo fee, waivableterms checked 12 days ago |
$200–$400 | $5,000 direct deposit within 60 days | $312 | Terms ↗ |
| Huntington Perks Checking regional$10/mo fee, waivableterms checked 12 days ago |
$400 | $1,000 direct deposit within 90 days | $312 | Terms ↗ |
| Regions LifeGreen Checking regional$8/mo fee, waivableterms checked 12 days ago |
$400 | $1,000 direct deposit within 90 days | $312 | Terms ↗ |
| Fifth Third Momentum Checking regionalterms checked 12 days ago |
$350 | $500 direct deposit within 90 days | $273 | Terms ↗ |
Checking, savings and brokerage bonuses in Texas
| Offer | Bonus | What you need to do | Est. value after tax & costs | |
|---|---|---|---|---|
| Capital One 360 Performance Savings 2 bonus tiers; best for a typical Texas resident shown terms checked 12 days ago |
$300–$1,500 | $100,000 deposit held 90d within 15 days | $997 | Terms ↗ |
| Charles Schwab Investor Checking (transfer bonus) 3 bonus tiers; best for a typical Texas resident shown terms checked 12 days ago |
$250–$1,000 | $100,000 deposit held 90d within 45 days | $722 | Terms ↗ |
| E*Trade Premium Savings 2 bonus tiers; best for a typical Texas resident shown terms checked 12 days ago |
$400–$800 | $50,000 deposit held 60d within 30 days | $624 | Terms ↗ |
| SoFi Checking & Savings terms checked 12 days ago |
$300 + ~$375 portal | $3,000 direct deposit within 30 days | $609 | Terms ↗ |
| Chase Total Checking + Savings 2 bonus tiers; best for a typical Texas resident shown $15/mo fee, waivableends 2027-01-27terms checked 12 days ago |
$400–$900 | $1,000 direct deposit + $15,000 deposit held 90d within 90 days | $530 | Terms ↗ |
| Moomoo Brokerage cash deposit 2 bonus tiers; best for a typical Texas resident shown terms checked 12 days ago |
$100–$1,000 | $100,000 deposit held 180d within 30 days | $513 | Terms ↗ |
| Four Leaf FCU Checking ChexSystems-sensitiveterms checked 12 days ago |
$550 | $500 direct deposit within 90 days | $429 | Terms ↗ |
| Wells Fargo Everyday Checking $10/mo fee, waivableterms checked 12 days ago |
$500 | $1,000 direct deposit within 90 days | $390 | Terms ↗ |
| Bank of America Advantage Checking 3 bonus tiers; best for a typical Texas resident shown $12/mo fee, waivableterms checked 12 days ago |
$100–$500 | $10,000 direct deposit within 90 days | $390 | Terms ↗ |
| Truist One Checking regional$12/mo fee, waivableterms checked 12 days ago |
$500 | $1,000 direct deposit within 120 days | $390 | Terms ↗ |
| U.S. Bank Smartly Checking 2 bonus tiers; best for a typical Texas resident shown $6.95/mo fee, waivableterms checked 12 days ago |
$250–$450 | $8,000 direct deposit within 90 days | $351 | Terms ↗ |
| Chime Checking (portal bonus) terms checked 12 days ago |
$425 | $200 direct deposit within 45 days | $332 | Terms ↗ |
| PNC Virtual Wallet 2 bonus tiers; best for a typical Texas resident shown regional$7/mo fee, waivableterms checked 12 days ago |
$200–$400 | $5,000 direct deposit within 60 days | $312 | Terms ↗ |
| Navy Federal Checking militaryterms checked 12 days ago |
$400 | $1,500 direct deposit within 120 days | $312 | Terms ↗ |
| Huntington Perks Checking regional$10/mo fee, waivableterms checked 12 days ago |
$400 | $1,000 direct deposit within 90 days | $312 | Terms ↗ |
| Regions LifeGreen Checking regional$8/mo fee, waivableterms checked 12 days ago |
$400 | $1,000 direct deposit within 90 days | $312 | Terms ↗ |
| Fifth Third Momentum Checking regionalterms checked 12 days ago |
$350 | $500 direct deposit within 90 days | $273 | Terms ↗ |
| Citi Regular Checking $15/mo fee, waivableterms checked 12 days ago |
$325 | $3,000 direct deposit within 60 days | $254 | Terms ↗ |
| Bask Bank Interest Savings terms checked 12 days ago |
$300 | $10,000 deposit held 180d within 30 days | $234 | Terms ↗ |
| Live Oak Bank Savings terms checked 12 days ago |
$300 | $20,000 deposit held 90d within 30 days | $234 | Terms ↗ |
| Connexus CU Checking (no DD) terms checked 12 days ago |
$300 | $500 deposit held 60d within 60 days | $230 | Terms ↗ |
| PSECU Checking terms checked 12 days ago |
$300 | $500 direct deposit within 90 days | $224 | Terms ↗ |
| Farmers Insurance FCU Checking terms checked 12 days ago |
$250 | $15,000 direct deposit within 90 days | $195 | Terms ↗ |
| Citi Savings (no DD) 2 bonus tiers; best for a typical Texas resident shown terms checked 12 days ago |
$500–$2,000 | $30,000 deposit held 60d within 20 days | $174 | Terms ↗ |
| HSBC Premier Checking 2 bonus tiers; best for a typical Texas resident shown $50/mo fee, waivableterms checked 12 days ago |
$1,500–$2,500 | $100,000 deposit held 90d within 30 days | $163 | Terms ↗ |
| Percapita Checking ($25/month) terms checked 12 days ago |
$300 | $3,600 debit spend within 365 days | $162 | Terms ↗ |
Business checking bonuses in Texas
| Offer | Bonus | What you need to do | Est. value after tax & costs | |
|---|---|---|---|---|
| Wells Fargo Business Checking 2 bonus tiers; best for a typical Texas resident shown $10/mo fee, waivableneeds a businessterms checked 12 days ago |
$400–$825 | $25,000 deposit held 30d within 30 days | $520 | Terms ↗ |
| Bank of America Business Advantage Checking 2 bonus tiers; best for a typical Texas resident shown $16/mo fee, waivableneeds a businessterms checked 12 days ago |
$400–$750 | $15,000 deposit held 60d within 30 days | $462 | Terms ↗ |
| Chase Business Complete Checking 2 bonus tiers; best for a typical Texas resident shown $15/mo fee, waivableneeds a businessterms checked 12 days ago |
$500–$750 | $20,000 deposit held 60d within 90 days | $421 | Terms ↗ |
| Capital One Business Basic Checking $15/mo fee, waivableneeds a businessterms checked 12 days ago |
$500 | $5,000 deposit held 90d within 30 days | $332 | Terms ↗ |
| Bluevine Business Checking needs a businessterms checked 12 days ago |
$500 | $6,000 debit spend within 90 days | $270 | Terms ↗ |
| American Express Business Checking needs a businessterms checked 12 days ago |
35,000 MR | $5,000 deposit held 60d within 60 days | $163 | Terms ↗ |
| Axos Basic Business Checking needs a businessterms checked 12 days ago |
$200 | $2,500 deposit held 60d within 30 days | $135 | Terms ↗ |
Personal credit card sign-up bonuses in Texas
| Offer | Bonus | What you need to do | Est. value after tax & costs | |
|---|---|---|---|---|
| Chase Southwest Rapid Rewards Priority $229 annual feeterms checked 9 days ago |
90,000 SW + ~$75 credits | $3,000 spend within 90 days | $995 | Terms ↗ |
| Chase Sapphire Reserve $795 annual feeterms checked 9 days ago |
150,000 UR + ~$300 credits | $6,000 spend within 90 days | $945 | Terms ↗ |
| Chase Southwest Rapid Rewards Plus $99 annual feeterms checked 9 days ago |
80,000 SW | $1,000 spend within 90 days | $934 | Terms ↗ |
| American Express Delta SkyMiles Gold $150 annual fee (waived yr 1)terms checked 9 days ago |
50,000 DL + $400 | $2,000 spend within 180 days | $880 | Terms ↗ |
| Barclays JetBlue Plus $99 annual feeterms checked 9 days ago |
75,000 B6 | $1,000 spend within 90 days | $869 | Terms ↗ |
| Chase Sapphire Preferred $95 annual feeterms checked 9 days ago |
100,000 UR | $5,000 spend within 90 days | $855 | Terms ↗ |
| Bank of America Atmos Rewards Ascent $95 annual feeterms checked 9 days ago |
80,000 AS | $5,000 spend within 90 days | $825 | Terms ↗ |
| Citi AAdvantage Platinum Select $99 annual fee (waived yr 1)terms checked 9 days ago |
80,000 AA | $3,500 spend within 120 days | $765 | Terms ↗ |
| Bank of America Atmos Rewards Summit $395 annual feeterms checked 9 days ago |
100,000 AS | $6,000 spend within 90 days | $757 | Terms ↗ |
| Bank of America Premium Rewards $95 annual feeterms checked 9 days ago |
60,000 BOA + ~$100 credits | $4,000 spend within 90 days | $585 | Terms ↗ |
| American Express Platinum Card $895 annual feeterms checked 9 days ago |
175,000 MR + ~$400 credits | $12,000 spend within 180 days | $574 | Terms ↗ |
| Capital One Venture Rewards $95 annual feeterms checked 9 days ago |
75,000 C1 + ~$300 credits | $4,000 spend within 90 days | $540 | Terms ↗ |
| Wells Fargo Autograph Journey $95 annual feeterms checked 9 days ago |
60,000 WF + ~$50 credits | $4,000 spend within 90 days | $515 | Terms ↗ |
| American Express Gold Card $325 annual feeterms checked 9 days ago |
100,000 MR + ~$200 credits | $6,000 spend within 180 days | $497 | Terms ↗ |
| Northwest FCU Visa Signature terms checked 9 days ago |
$500 | $5,000 spend within 90 days | $440 | Terms ↗ |
| Citi AAdvantage Executive $695 annual feeterms checked 9 days ago |
125,000 AA | $15,000 spend within 150 days | $405 | Terms ↗ |
| Capital One Savor terms checked 9 days ago |
$250 | $500 spend within 90 days | $245 | Terms ↗ |
| Citi AT&T Points Plus terms checked 9 days ago |
$250 | $500 spend within 90 days | $245 | Terms ↗ |
| American Express Blue Cash Everyday terms checked 9 days ago |
$250 | $2,000 spend within 180 days | $230 | Terms ↗ |
| American Express Blue Cash Preferred $95 annual fee (waived yr 1)terms checked 9 days ago |
$250 | $3,000 spend within 180 days | $220 | Terms ↗ |
| Citi Double Cash terms checked 9 days ago |
$200 | $1,500 spend within 180 days | $200 | Terms ↗ |
| Wells Fargo Active Cash terms checked 9 days ago |
$200 | $1,500 spend within 180 days | $200 | Terms ↗ |
| SoFi SoFi Credit Card terms checked 9 days ago |
$200 | $1,500 spend within 90 days | $200 | Terms ↗ |
| Bank of America Unlimited Cash Rewards terms checked 9 days ago |
$200 | $1,000 spend within 90 days | $195 | Terms ↗ |
| Discover Discover it Cash Back terms checked 9 days ago |
$200 | $500 spend within 90 days | $195 | Terms ↗ |
| U.S. Bank Cash+ terms checked 9 days ago |
$200 | $1,000 spend within 120 days | $190 | Terms ↗ |
| Fidelity Fidelity Rewards Visa terms checked 9 days ago |
$150 | $1,500 spend within 90 days | $150 | Terms ↗ |
Business credit card sign-up bonuses in Texas
| Offer | Bonus | What you need to do | Est. value after tax & costs | |
|---|---|---|---|---|
| Chase Ink Business Unlimited needs a businessterms checked 9 days ago |
100,000 UR | $8,000 spend within 120 days | $960 | Terms ↗ |
| Chase Ink Business Cash needs a businessterms checked 9 days ago |
100,000 UR | $8,000 spend within 120 days | $920 | Terms ↗ |
| American Express Business Gold $375 annual feeneeds a businessterms checked 9 days ago |
200,000 MR | $15,000 spend within 90 days | $830 | Terms ↗ |
| Chase Ink Business Preferred $95 annual feeneeds a businessterms checked 9 days ago |
100,000 UR | $8,000 spend within 90 days | $825 | Terms ↗ |
| Chase Ink Business Premier $195 annual feeneeds a businessterms checked 9 days ago |
$1,000 | $10,000 spend within 90 days | $805 | Terms ↗ |
| Capital One Spark Cash Select needs a businessterms checked 9 days ago |
$750 | $6,000 spend within 90 days | $720 | Terms ↗ |
| U.S. Bank Triple Cash Rewards Business needs a businessterms checked 9 days ago |
$750 | $6,000 spend within 180 days | $690 | Terms ↗ |
| Chase World of Hyatt Business $199 annual feeneeds a businessterms checked 9 days ago |
70,000 HYATT | $7,000 spend within 90 days | $585 | Terms ↗ |
| American Express Business Platinum $895 annual feeneeds a businessterms checked 9 days ago |
200,000 MR + ~$300 credits | $20,000 spend within 90 days | $545 | Terms ↗ |
| American Express Blue Business Cash needs a businessterms checked 9 days ago |
$500 | $5,000 spend within 90 days | $500 | Terms ↗ |
| Wells Fargo Signify Business Cash needs a businessterms checked 9 days ago |
$500 | $5,000 spend within 90 days | $500 | Terms ↗ |
| Bank of America Business Unlimited Cash needs a businessterms checked 9 days ago |
$500 | $5,000 spend within 90 days | $475 | Terms ↗ |
| Capital One Venture Business $95 annual feeneeds a businessterms checked 9 days ago |
100,000 C1 | $10,000 spend within 90 days | $305 | Terms ↗ |
Taxes on bonuses in Texas
Bank bonuses are reported as interest on Form 1099-INT and taxed as ordinary income. Texas has no state income tax on interest, so you only owe federal tax, which makes bank bonuses worth a little more here than in most states. Credit card sign-up bonuses earned by spending are generally treated as a rebate on your purchases and are not taxable.
How the estimated value is calculated
Value = bonus − tax − monthly fees you can't avoid − interest you give up on money held in the account (at 4% APY) − rewards you give up by putting spending on a new card instead of your usual 2% card. Points are valued at conservative cash-out rates. Offers that don't make money for a typical household show a negative value.
Frequently asked questions
What is the best bank bonus in Texas right now?
The largest bank account bonus open to Texas residents is up to $2,500 from HSBC (Premier Checking). It requires $100,000 deposit held 90d within 30 days. The most profitable one after tax and the cost of tying up cash depends on how much money you can move. For a typical household it is Capital One.
Are bank bonuses taxable in Texas?
Yes, federally. Banks report bonuses as interest on Form 1099-INT, and you pay federal income tax on them. Texas has no state income tax on interest, so there is no state tax on top. Credit card sign-up bonuses earned through spending are generally treated as rebates and are not taxed.
How much can I earn from bonuses in Texas in a year?
With $6,000 of monthly direct deposit, $25,000 of savings and $2,500 of normal monthly card spending, our planner schedules 18 bank accounts and 7 cards over 12 months for about $11,114 after tax, fees and lost interest. Your number depends on your cash, paycheck, credit history and which accounts you have opened before.
Do bank bonuses hurt my credit score?
Most checking and savings bonuses use a soft pull or a ChexSystems check, which does not affect your credit score. A few banks do a hard pull, and these are marked in the tables. Credit cards always need a hard pull.
Bonuses in other states
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming