Texas Electricity Plans Without Bill Credits

Current Plans in This Category (148)

Data updated October 19, 2026. From 32 providers with publicly listed pricing.

Who This Category May & May Not Fit

Why Shoppers Avoid Bill-Credit Thresholds

The problem with a usage-threshold credit isn't the credit — it's the cliff. A plan built around a $100 credit at 1,000 kWh has two prices: one for months at or above the threshold and a much worse one for months below it, and the line between them is a single kilowatt-hour. Most households can't predict which side of that line a mild April or a vacation month will land on. Weather, travel, guests, and a thermostat habit all move monthly usage more than people expect, and every miss reprices the entire bill, not just the marginal usage.

The threshold also distorts the shopping process itself. Rate boards sort by the standardized 1,000 kWh average price, which includes the credit for plans engineered to hit it exactly — so the cheapest-looking plans on any board are disproportionately the ones whose real-world cost depends on your usage cooperating. The guide to how bill-credit plans work walks through the mechanics in detail.

What “No Bill Credits” Doesn't Mean

Filtering out usage-based credits removes one threshold mechanism. It does not mean a plan has no base charge, no minimum-usage fee, no time-of-use window and no usage tiers; the ones we detected are flagged in the Notes column. It doesn't mean a fixed monthly bill, and it doesn't mean the same effective price at every usage level: a base charge alone makes the per-kWh price at 500 kWh higher than at 2,000 kWh, which is why the columns above differ. It doesn't cover one-time enrollment rewards or promotions, and it doesn't mean universally cheaper. What it does mean: TrueBill did not detect a credit that is added or lost depending on a month's usage. Every other term still lives on the plan's EFL.

Who Tends to Benefit — and Who May Not

The households that get the most from this filter are the ones threshold plans quietly punish: apartments and smaller homes whose usage lives in the 500–900 kWh range below common thresholds, homes with big summer-to-winter swings that cross a threshold twice a year, households with rooftop solar whose grid draw is both reduced and hard to predict, and anyone whose typical month hovers near a threshold — the worst place to be, since qualification becomes a coin flip.

The honest flip side: a household that clears 1,000 kWh every single month of the year qualifies for the credit every single month, and an always-qualified credit plan can produce a lower estimated annual cost than anything on this list. If that's your usage profile, compare this list against the current bill-credit plans using your real monthly history — the compare tool models both structures at your usage.

What to Compare Besides the Credit

With credits off the table, these are the terms that separate the plans on this list:

• Energy charge — the per-kWh price, flat or tiered — the main lever
• Base charge — a fixed monthly amount that weighs more the less you use
• Minimum-usage fee — a plan without a usage credit can still charge a fee below a usage floor — see the no-minimum-usage-fee list
• TDSP delivery charges — regulated pass-through from your delivery utility, included in our estimates
• Time-of-use windows — free periods funded by a higher rate outside them, flagged in Notes
• Usage tiers — per-kWh prices that change across usage bands
• Contract term & early termination fee — how long the rate holds and what leaving costs
• Renewable content — disclosed on each EFL, independent of price
• Estimated bills at 500 / 1,000 / 2,000 kWh — the three columns above — check the one nearest your usage

Where This List Fits Among Our Guides

This page is the ranked inventory; the explanation lives elsewhere. How bill-credit plans work is the full guide to the mechanism these plans omit. The no-minimum-usage-fee list filters the mirror-image condition — fees below a threshold rather than rewards above one. The fixed-rate guide covers what “fixed” does and doesn't lock, and the usage pages rank all plans at 500 kWh and 1,000 kWh if you'd rather start from your usage level. The ordering rules for every list on this site are documented in how we rank plans.

What to Check Before Enrolling

Reading the EFL for These Plans

Verify the absence yourself: the EFL's “Fees/Credits” or pricing section will state any bill credit and its threshold. On this list you're mainly checking the base charge, any minimum-usage fee, the term length, and the early termination fee. If the EFL you're reading does show a usage credit, don't rely on this list for that plan: it may be a different version (providers reuse plan names) or a term our reading missed. One-time enrollment rewards are a different mechanism and aren't part of this filter.

Frequently Asked Questions