Best Credit Cards of 2020 - Top Offers & Reviews

What’s the best credit card? Should you opt for cash back, points or miles? Or maybe a balance transfer’s what you need? No matter your situation, the experts at CreditCards.com have you covered. Check out these top picks and offers from our partners and you’re sure to find the best credit card for you.

What’s the best credit card? Should you opt for cash back, points or miles? Or maybe a balance transfer’s what you need? No matter your situation, the experts at CreditCards.com have you covered. Check out these top picks and offers from our partners and you’re sure to find the best credit card for you.

By: Laura Mohammad

|

August 3, 2020

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Our methodology and research

3,476 Credit Cards Analyzed
600 Banks Analyzed

Criteria Used

Rates and fees, rewards rates, sign-up bonuses, redemption options, credit needed, miscellaneous benefits, customer service, security, ease of application.

Editorial disclosure: All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank's website for the most current information.

All information about Bank of America Cards, Chase Sapphire Preferred® Card, Capital One® Savor® Cash Rewards Credit Card, Ink Business UnlimitedSM Credit Card, Citi Simplicity® Card, Capital One® Spark® Cash for Business, Capital One® VentureOne® Rewards Credit Card, Wells Fargo Propel American Express® card and Wells Fargo Platinum card have been collected independently by CreditCards.com and has not been reviewed by the issuer.


A Guide to Finding the Best Credit Card Offer for You

The credit cards in your wallet are some of the most important financial tools in your life. You might be on the hunt for the perfect balance transfer offer to help you pay off your home renovations. Or you could have your eye out for the right travel card offer in preparation for that road trip this summer to the beach.

Remarkably, we found in our July 2019 survey that 55% of U.S. consumers either don’t know the last time they shopped for a new credit card or that it’s been more than 3 years. “You have to know yourself, and if you value simplicity, that’s fine too. Just make sure to re-evaluate your strategy often because the best deals are always changing,” says Ted Rossman, CreditCards.com industry analyst.

But it can be tough to wrap your head around all of the available options. Below, we help you narrow down which card is best for you, and offer helpful tips.


Best Credit Cards

best credit cards 2020

Capital One® Venture® Rewards Credit Card

Why this is the best card for travel

With more than 10 travel partners, the Capital One Venture Rewards offers plenty of travel opportunities. Also, receive up to $100 credit on Global Entry or TSA PreCheck, and earn 50,000 miles after a $3,000 spend within the first 3 months.

Overview

The annual fee of $95 is not waived the first year, but this card offers flexibility in spending that many travel cards don’t offer: Earn 2X miles on all purchases.

Chase Sapphire Preferred® Card

Why this is the best card for sign-up bonus

The sign-up bonus on the Chase Sapphire Preferred is excellent – earn 60,000 points after a $4,000 spend within the first 3 months, meaning you redeem $750 when you book travel through Chase Ultimate Rewards.

Overview

The annual fee of $95 isn’t waived the first year, but you’ll earn 2X points on worldwide travel and dining, as wells as 5X points on Lyft purchases through March 2022. There are no blackout dates, expiration dates and no point limits.

Citi® Double Cash Card

Why this is the best card for no annual fee

There’s no annual fee with this card, and it possesses one of the best flat-rate cash back offers as well. Earn 1% back when you purchase, then earn another 1% back when you pay for the item. That’s a better rate than many other cash back cards with no annual fee.

Overview

Despite the generous cash back offer, there’s no sign-up bonus, as well as no 0% intro APR offer for new purchases. However, the Citi Double Cash offers a generous 0% intro APR on balance transfers of 18 months (then it’s 13.99%-23.99% variable).

Wells Fargo Propel® American Express® card

Why this is the best card for rewards

This no annual fee card offers a solid sign-up bonus of 20,000 points after a $1,000 spend within the first 3 months, which is a $200 cash redemption value. Also, enjoy 3X points on popular streaming services, ordering in and eating out, various travel opportunities and more.

Overview

With the Wells Fargo Propel, you can redeem points for travel, cash redemption options, gift cards and more. You can also book a flight with any airline without blackout dates when you redeem through Go Far® Rewards with a combination of points and a payment card. Also, you can get 0% intro APR for 12 months on purchases and qualifying balance transfers made within the first 120 days (it’s 14.49%-24.99% variable after that).

Citi® Diamond Preferred® Card

Why this is the best card for balance transfers

Get 0% intro APR for 18 months for the first 4 months, which is one of the longest offers in the industry (it’s 14.74%-24.74% variable after that). In addition, get 0% intro APR on new purchases for 18 months (it’s 14.74%-24.74% variable after that).

Overview

Sadly, the Citi Diamond Preferred doesn’t offer cash back, points or miles, including no sign-up bonus. However, there’s no annual fee, and you gain access to Citi Entertainment, allowing you to purchase tickets to thousands of events, including concerts, sporting events and dining experiences.

U.S. Bank Visa Platinum Card

Why this is the best card for 0% intro APR

The U.S. Bank Visa Platinum Card offers an incredible 0% intro APR on purchases of 20 billing cycles (then it’s 13.99%-23.99% variable). That means you can pay 0% into 2022, which is one of the longest offers for new purchases.

Overview

This card has no annual fee, and it offers 0% intro APR on balance transfers for 20 months (then it’s 13.99%-23.99% variable). There are a few fees to watch out for, such as 2%-3% (or $5, whichever is greater) foreign transaction fee and up to $40 late payment fee.

PenFed Gold Visa Card

Why this is the best card for low interest

With a regular variable APR of 7.49%-17.99%, the PenFed Gold Visa possesses one of the lowest starting ongoing rates in the credit card business. While there’s no intro purchase APR, you can get 0% intro APR for 12 months on balance transfers (regular APR fixed at 17.99% thereafter; offer valid through 9/30/20).

Overview

There are a number of fees waived with this card, notably there’s no annual fee, no cash advance fee (although a cash advance APR charge will apply), and no foreign transaction fee. The balance transfer fee is only 3%. Ongoing rewards are nonexistent, although there’s also a $100 statement credit after a $1,500 spend within the first 90 days. However, note that this card is only available to cardholders with Pentagon Federal Credit Union accounts.

Alliant Visa Signature Card

Why this is the best card for flat-rate cash back

The Alliant Visa Signature Card is practically unparalleled as a flat-rate cash back card, allowing you 2.5% cash back for up to $250 a billing cycle (then it’s 1%). That means you earn the higher cash back rate up to $10,000 each billing cycle.

Overview

The $99 annual fee is waived the first year, which means that if you plan to spend more than $330 a month after that first year, you will earn more cash back than the annual fee. There’s no sign-up bonus, unfortunately.

Discover it® Cash Back

Why this is the best card for rotating category cash back

The flagship of the Discover cards, the Discover it Cash Back rewards you with 5% cash back on rotating categories such as restaurants and gas stations up to $1,500 a quarter (quarterly sign-up required; 1% after maximum spend). That’s $75 earned a quarter, or $300 for the year.

Overview

With this no annual fee card you can earn double your cash back at the end of your first year, making that $300 into $600 back for the first year. Also, get 0% intro APR on purchases and balance transfers for 14 months. Then it’s 11.99%-22.99% variable, which is a super low starting rate.

American Express Blue Business Cash™ Card

Why this is the best card for business

Earn 2% cash back on all eligible purchases up to $50,000 each calendar year, then it’s 1% cash back. The cash back you earn is automatically credited to your statement. You also have the opportunity to spend beyond your credit limit with Expanded Buying Power.

Overview

This card doesn’t have a welcome offer, but it also doesn’t have an annual fee. There’s a 0% intro APR offer for 12 months on purchases, as well (then it’s 13.24%-19.24% variable).

Costco Anywhere® Visa Card by Citi

Why this is the best card for gas

The Costco Anywhere Visa’s gas offer is practically unparalleled, at 4% cash back on qualified gas purchases (up to $7,000 annually, then 1%). Although Costco is famous for typically having lower gas than other locations, note that there are many other qualifying gas stations.

Overview

Earn 3% cash back on restaurant and qualified travel purchases, as well as 2% cash back on Costco purchases. It’s 1% back on general purchases. There’s no annual fee when you pay the $60 annual Costco membership fee. However, there’s no sign-up bonus, and you only get your cash back as a certificate in February.

Capital One® Savor® Cash Rewards Credit Card

Why this is the best card for restaurants

The Capital One Savor is among the best on the market when it comes to rewards for restaurants – earn 4% cash back at restaurants and on entertainment, as well at 2% cash back at grocery stores. A new reward option: Earn 8% cash back on tickets through Vivid Seats (offer ends 1/31/22). It’s 1% cash back on other purchases.

Overview

Earn $300 back after a $3,000 spend within the first 3 months. Unfortunately, the annual fee of $95 isn’t waived the first year, and the ongoing APR is high at 15.99%-24.99% variable. A little-known feature: As part of the Mastercard World Elite program, you’ll receive a $10 credit on your next Lyft ride (max one per month) if you take 5 rides in a calendar month.

Discover it® Student Cash Back

Why this is the best card for students

In addition to unusually strong rewards, the Discover it Student Cash Back offers a $20 credit for each of the next 5 years when you get at least a 3.0 GPA. This card is also light on fees, including no annual fee.

Overview

Like the Discover it Cash Back, this card gives you 5% cash back on rotating categories for up to $1,500 spend each quarter (quarterly sign-up required; 1% after maximum spend). In addition, you earn double your cash back at the end of your first year. Finally, get 0% intro APR for 6 months on purchases and 10.99% intro APR for 6 months on balance transfers (then it’s 12.99%-21.99% variable).

OpenSky® Secured® Visa® Credit Card

Why this is the best card for bad credit

The OpenSky Secured Visa allows you to have an initial credit limit of up to $3,000, provided your security deposit is $3,000; you can deposit as little as $200 for a limit of $200, as well. Also, no credit check is required.

Overview

This card has a number of fees, including an annual fee of $35 that isn’t waived the first year, as well as an inactive account fee of $10 after 12 months of non-use. While there are no rewards, the regular APR is lower than some competitors, at 17.39% variable. A bit of a surprise: This card offers auto rental insurance.

Capital One® QuicksilverOne® Cash Rewards Credit Card

Why this is the best card for fair credit

Cards that accept fair credit can have a number of weird little fees. Not so with the QuicksilverOne (although it does have an annual fee of $39 that isn’t waived the first year). Also, this card offers competitive rewards: Earn 1.5% cash back on all purchases.

Overview

There’s no sign-up bonus with this card, and the regular APR is high, at 26.99% variable. However, like other Capital One cards, the fees are minimal, such as no foreign transaction fees. Also, the travel and retail benefits are generous, including auto rental collision damage waiver and extended warranty.

Discover it® Secured

Why this is the best card for no credit history

The Discover it Secured card stands out as a card that accepts no credit history in part because of its rewards opportunities, but also because fees are uncommon, including no annual fee.

Overview

Earn 2% cash back at restaurants and gas stations for up to $1,000 a quarter in combined purchases (1% on all other purchases), and earn double your cash back at the end of your first year. Also, there’s an intro APR on balance transfers for 6 months at 10.99% (then 22.99% variable).

Compare the best credit card offers

Credit Card Category Annual Fee Review Score
Capital One® Venture® Rewards Credit Card Travel $95 4.2 / 5
Chase Sapphire Preferred® Card Sign-up Bonus $95 3.9 / 5
Citi® Double Cash Card Flat-rate Cash Back $0 3.8 / 5
Wells Fargo Propel® American Express® card Rewards $0 3.5 / 5
Citi® Diamond Preferred® Card Balance Transfer $0 3.9 / 5
U.S. Bank Visa Platinum Card 0% intro APR $0 4.4 / 5
PenFed Gold Visa Card Low interest $0 3.3 / 5
Alliant Visa Signature Card Flat-rate cash back $99 $0 first year 4.1 / 5
Discover it® Cash Back Rotating Cash Back $0 4.3 / 5
American Express Blue Business Cash™ Card Small business $0 3.9 / 5
Costco Anywhere® Visa Card by Citi Gas $0 with your paid Costco membership ($60) 2.5 / 5
Capital One® Savor® Cash Rewards Credit Card Restaurants $95 4.8 / 5
Discover it® Student Cash Back Students $0 4.2 / 5
OpenSky® Secured® Visa® Credit Card Bad credit $35 2.5 / 5
Capital One® QuicksilverOne® Cash Rewards Credit Card Fair credit $39 4.1 / 5
Discover it® Secured No credit history $0 See rates and fees 4.1 / 5

Which type of card is best for you?

There are a few core reasons why you may be looking for a new credit card. Take a look at our prompts, see what matches your needs and click on the card type that seems to best suit you.

Card category Does this sound like you?
Rewards
  • Do you want to fund your next trip through rewards?
  • Are you looking to maximize your earning potential?
  • Do you want to earn rewards without thinking about which card to use?
0% intro APR/balance transfer
  • Do you have a credit card balance and want to save on interest rates?
  • Do you want to consolidate card balances?
  • Do you have a large upcoming purchase?
Brand loyalty
  • Do you often turn to a favorite airline or hotel brand for travel?
  • Do you often shop with a single merchant, such as Amazon.com or Target?
Building credit
  • Have you never had a credit card before?
  • Do you have a low credit score and want to build it?
  • Do you want the convenience of a credit card?
Small business
  • Do you have a small business or are you a sole proprietor and need access to capital?
  • Do you want to provide employees cards?
  • Do you want to separate your business and personal purchases?
Student
  • Do you need to build credit?
  • Do you want to take advantage of student cards’ special features?
  • Are you looking for shopping convenience?
  • Do you want to learn how to use rewards?

Rewards

Overview

Get rewarded with points, miles or cash back when you use these cards. Often, rewards cards fall in one of two buckets: cash back and travel, although there are others, as indicated here.

Types of cards

  • Cash back
    • Flat rate – This card often has no annual fee, but typically requires good or excellent credit. The regular percentage rate is often quite low. There is often a sign-up bonus. Suggested card: Citi® Double Cash Card
    • Rotating category – While this card may not have a sign-up bonus, there may be a year-end reward. There’s usually no annual fee and the regular APR is usually low. Suggested card: Discover it® Cash Back
    • Tiered – There can be an annual fee on this type of card, but the sign-up bonus is often quite generous. The regular interest rate varies. Suggested card: Capital One® SavorOne® Cash Rewards Credit Card
  • Travel
    • Airline or hotel – The annual fee can get into the hundreds, and the regular interest rate is pretty high, but the sign-up bonus and ongoing rewards are among the best in the industry. Suggested card: Southwest Rapid Rewards® Plus Credit Card
    • General purpose – General purpose travel cards are great for the traveler who craves flexibility. A few come with no annual fee, although the sign-up bonus on those can be low. Benefits can include cancellation insurance and other features. Suggested card: Capital One® Venture® Rewards Credit Card
  • Other types

0% intro APR/balance transfer

Overview

A 0% intro APR card can be used for balance transfers or new purchases, and typically have a promotional period of anywhere from 6 months to 21 months. Once the offer ends, the regular APR usually kicks in, making it worth your while to pay off the balance during the offer.

Types of cards

  • Purchases – There’s often no annual fee, and business cards will sometimes have a new purchase offer. The regular APR rate can range widely, and a number of these cards offer rewards. Suggested card: American Express Cash Magnet® Card
  • Balance transfers – An annual fee is typically not an issue with these cards, but there may not be rewards. The regular APR rate ranges widely. Suggested card: Citi® Diamond Preferred® Card

Brand loyalty

Overview

Some cards are co-branded, meaning that the card issuer partners with a brand such as an airline, a hotel chain or a merchant of some kind. In some cases, a card that isn’t co-branded will reward for brand loyalty. In either case, your rewards are boosted for purchases of certain brands.

Types of cards

  • Airline – While airline cards’ rewards options are specific to a brand, some have branched out to reward for other types of spending. Annual fees are common, good to excellent credit is expected, and regular APR rates are usually pretty high. Suggested card: United℠ Explorer Card
  • Hotel – Hotel cards reward heavily for favoring a specific hotel brand, but they might have no annual fee. Good to excellent credit is a must, and regular APR rates are high for these cards as well. Suggested card: Marriott Bonvoy Boundless™ Credit Card

Credit building

Overview

If you are looking to build credit, there are a number of options, depending on your current credit rating.

Types of cards

  • Fair credit – If you are trying to improve your credit into the good or excellent category, a card that accepts fair or average credit is a good choice. There may be an annual fee, regular APR may be higher, and a 0% intro APR is unlikely. Suggested card: Credit One Bank® Platinum Rewards Visa
  • Bad credit – You can find a card that accepts bad credit with no annual fee, but many of these cards have weird, little one-off fees that you need to watch out for. The regular APR will almost certainly be high, although some offer rewards. Suggested card: Indigo® Platinum Mastercard®
  • No credit – This is a good choice if you have no credit history. Some of these cards offer rewards, but watch out for fees, and the regular APR can be high. Suggested card: Discover it® Secured

Small business

Overview

Business credit cards aren’t just for the owner of a business – the solopreneur or gig worker can also benefit. These cards are good for sorting out your personal from your business expenses, and there’s a strong likelihood of rewards offered.

Types of cards

  • Rewards – While it’s rare to find a business card that offers 0% intro APR on balance transfers, rewards are plentiful. They can reward you for business-specific purchases, as well as travel. Suggested card: American Express Blue Business Cash™ Card
  • Luxury – These cards generally offer luxury benefits for the frequent traveler, such as access to airport lounges, or waived fees on Global Entry or TSA Pre-Check. Suggested card: The Hilton Honors American Express Business Card

Student cards

Overview

Student cards are similar to other credit cards, although they can offer features that are special to the college student. Heads up that even with a student card, you have to have an independent income if you are under 21 in order to land any credit card. That said, they will often accept applicants with no or limited credit.

Types of cards

  • Rewards – Student cards often offer competitive rewards, although a sign-up bonus is rare. Annual fees are a rarity, but credit limits are typically low, depending on your income. Suggested card: Discover it® Student Cash Back
  • Credit building – Probably the most important part of getting your first card is that you have the opportunity to build credit, provided you pay in full and on time each month. Suggested card: Discover it® Student chrome

How to compare two credit card offers

Here is we put it all together by comparing 2 cards in the first year of card membership, one with an annual fee and one without:

Card: Capital One Venture Rewards Capital One VentureOne Rewards
Card Type: Travel Rewards Travel Rewards
Credit Recommended: Good to excellent Good to excellent
0% intro APR: N/A 12 months on purchases
Regular APR: 17.24% – 24.49% Variable 15.49% – 25.49% Variable
Foreign transaction fee: N/A N/A
Sign-up Bonus Spend $3,000 in first 3 mths,
50,000 miles
Spend $1,000 in first 3 mths,
20,000 miles
Ongoing Rewards 2X miles X $1,000/mth =
24,000 miles
1.25X miles x $1,000/mth =
15,000 miles
Annual Fee $95 $0
First Year Net Value $500 + $240 – $95 =
$645
$200 + $150 =
$350

As you can see, Venture Rewards leads the way the first year. However, in the second year, that can change. If you are spending $1,000 a month on the Venture Rewards, you will earn $145 after paying the annual fee (24,000 becomes $240, then minus $95 makes it $145). With the VentureOne, $1,000 a month spent becomes 15,000 miles, which is worth $150. You’ll notice that if you aren’t a heavy spender, the VentureOne is a better choice.

How many credit cards should you have?

While there’s no hard-and-fast rule as to how many credit cards you should have, it’s a good idea to hold onto at least two cards – each from a different card issuer and each offering a different type of rewards (cash back, travel rewards, etc.). This should make it easier to tailor your earning to your spending patterns and enjoy greater variety and flexibility in how you redeem rewards.

In some cases, you can also “stack” cards from a single issuer to get even more value out of your rewards. For example, you could pair the Chase Ink Business UnlimitedSM Credit Card (which earns 1.5% cash back on every purchase) with a premium Chase card like the Chase Sapphire Preferred Card (which gets you 2 points per dollar on travel and restaurant purchases). This would allow you to could convert the cash back from your Ink Business UnlimitedSM card to Ultimate Rewards points and enjoy a 25% boost in point value when you redeem them for travel through the Chase travel portal.

Of course, if you’re still new to credit cards, you should stick to just one or two until you get used to using them, and if tracking your spending from quarter to quarter or swapping out cards between the gas station and grocery store sounds like more of a headache than it’s worth, a card that offers travel rewards or cash back at a flat rate on every purchase may be a better fit.


CreditCards.com Poll: Americans find value in credit cards with annual fees despite pandemic

A surprisingly high number of cardholders feel their credit cards with an annual fee have retained their value during the COVID-19 pandemic, our June 2020 poll has found.

This is particularly surprising because a large number of annual fee cards are products with travel features and rewards, yet travel has been at a virtual standstill in recent months.

A full four-fifths of Americans with annual fee cards said they enjoy the same or more value from those credit cards: Some 58% of those polled said their annual fee cards have maintained their value, and 23% said their cards’ value has improved. (Some 34% of Americans hold at least one card with an annual fee.)

Value cardholders report getting from their annual fee cards…

  • Much more value
  • 8%
  • Somewhat more value
  • 15%
  • About the same value
  • 58%
  • Somewhat less value
  • 10%
  • Much less value
  • 9%

Travel perks lead among cardholders’ favorite features

Despite the travel bans put in place in recent months, travel and cash back features lead among the benefits cards offer, our survey found.

“I’m a big cash back fan myself, but it’s important to note that most of the best cash back cards do not charge annual fees,” says Ted Rossman, industry analyst for CreditCards.com. “Generally, the points and miles that you earn on annual fee cards are most valuable when you redeem them for travel. You often get a lower payout when you redeem for cash. If you prefer cash back, you’re probably better off switching to a pure-play cash back card.”

Americans’ favorite benefits on annual fee credit cards…

  • Travel rewards/perks
  • 23%
  • Cash back
  • 23%
  • Accepted at most places
  • 15%
  • Low interest rate
  • 10%
  • Merchandise/gift cards
  • 8%
  • Customer service
  • 7%
  • No favorite benefit
  • 14%

Annual fee cards’ incentives during shelter-at-home

Some card issuers are trying to accommodate the new normal of increased takeout and in-home streaming with offers not normally attached to travel and luxury cards. Lowered renewal annual fees, statement credits on streaming and boosted points at U.S. supermarkets are among the incentives currently offered.

“Card issuers made smart, quick adjustments to their annual fee cards to compensate for the sharp pullback in travel,” says Rossman. “Cardholders have responded very favorably. For example, they love being able to earn extra rewards at the grocery store and on their streaming and cell phone subscriptions.”

  • The Platinum Card® from American Express Through 12/31/20, get up to $320 in statement credits on select streaming and wireless telephone services purchased directly from U.S. service providers, up to $20 per month on each. (Annual fee is $550.)
  • Chase Sapphire Reserve Chase has expanded the $300 annual credit, with the remaining balance automatically applied to purchases at grocery stores and gas stations starting June 1 until 12/31/20. (Annual fee is $550; renewal annual fee lowered to $450 from Aug. 1 through 2020. Cardholders with a renewal date from April 1 through July 31 receive a $100 statement credit to offset the annual fee.)
  • Delta SkyMiles® Gold American Express Card This full-on airline card now also offers 4 miles per dollar at U.S. supermarkets until 7/31/20. (Annual fee is $99, waived the first year.)
  • Citi Prestige® Card Use your annual $250 travel credit on supermarkets and restaurants (excludes wholesale clubs and superstore), as well as grocery delivery services and restaurant delivery services such as DoorDash and GrubHub. Offer is good until 12/31/20. (Annual fee is $495.)

Methodology

CreditCards.com commissioned YouGov Plc to conduct the survey. All figures, unless otherwise stated, are from YouGov Plc. Total sample size was 2,551 U.S. adults, including 864 who pay credit card annual fees. Fieldwork was undertaken June 3-5, 2020. The survey was carried out online and meets rigorous quality standards. It employed a non-probability-based sample using both quotas upfront during collection and then a weighting scheme on the back end designed and proven to provide nationally representative results.


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