We derive a general criterion for determining the onset of superradiant phase transition in electronic bands coupled to a cavity field, with possibly electron-electron interactions. For longitudinal superradiance in 2D or genuine 1D systems, we prove that it is always prevented, thereby extending existing no-go theorems. Instead, a superradiant phase transition can occur to a nonuniform transverse cavity field and we give specific examples in noninteracting models, either through Fermi surface nesting or parabolic band touching. Investigating the resulting time-reversal symmetry breaking superradiant states, we find in the former case Fermi surface lifting down to four Dirac points on a square lattice model, with topologically protected zero modes, and in the latter case topological bands with nonzero Chern number on an hexagonal lattice.