Best Credit Cards of 2020

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It’s no secret you can earn hundreds of dollars in credit card rewards every year. 

Yet, many people stick with the same card year after year and miss out on valuable benefits they want. Sound familiar?

  • Fact: Banks doubled their spending on credit card rewards since 2010. There’s an excellent chance you can get a much better deal.

Make the switch and start enjoying rewards you will use. Choose a $150 cash sign-up bonus or 60,000 points worth up to $750 in travel. As an extra bonus some of these cards offer 0% introductory interest for over a year. That means you could save hundreds of dollars in interest if you’ve got a big purchase coming up or on a balance transfer.

There’s never been a better time to get a new credit card. Stop missing out. Find your perfect fit and apply below.

Discover it® Cash Back

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on Discover's secure site

 

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When it comes to cash-back credit cards the Discover it® Cash Back is in a league of its own. Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically. Then, Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match. That means, if you earn $300 in cash back in your first year, Discover will match it, making your total cash back for the year $600! Log into your Discover account each quarter to activate the 5% cash-back bonus. The popular spending categories include gas stations, wholesale clubs, grocery stores, restaurants and Amazon.com. With your first-year sign-up bonus, take home an incredible 10% cash back on category spending. Finance purchases with intro APR 0% for 14 months then, 11.99% - 22.99% Variable after that. Get all this for $0 annual fee.

Capital One® Quicksilver® Cash Rewards Credit Card

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on Capital One's secure site

 

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You will earn cash on everything you buy, everywhere with this card. The Capital One® Quicksilver® Cash Rewards Credit Card pays you unlimited 1.5% cash back on every purchase, every day. Earn cash in two ways. First, earn a one-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening. Second, you'll take home unlimited 1.5% cash back on every purchase, every day. Take advantage of 0% intro on purchases for 15 months to give you breathing room to pay it off with no interest piling up. Get the flexibility you deserve with your cash back rewards. There is no minimum for redeeming and cash back won't expire for the life of the account. This card is a great choice for international travelers! No foreign transaction fees. There is $0 annual fee. Don’t worry if your credit isn’t perfect, this card is designed for people with Excellent/Good credit.

Discover it® chrome

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on Discover's secure site

 

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3.7/5.0 from 244 Offer Ratings
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If you like 0% intro APR on purchases and balance transfers for over a year, no annual fee, no foreign transaction fees, no overlimit fee, and a free pass the first time you miss a payment, the Discover it® chrome credit card comes with everything you want! Cardholders get an intro APR of 0% intro for 14 months on both purchases and balance transfers, then 11.99% - 22.99% variable. With the Discover it® chrome credit card you can earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. plus, earn unlimited 1% cash back on all other purchases – automatically. Rewards can be redeemed at any time and never expire. As an exclusive offer, Discover will automatically match all the cash back you've earned at the end of your first year of cardmembership. In addition to the host of cash back opportunities, this credit card also offers a free Credit Scorecard with FICO® Credit Score.

Chase Sapphire Preferred® Card

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on Chase's secure site

 

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3.9/5.0 from 186 Offer Ratings
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This five-star travel rewards card is easy to use and comes with one of the best sign up bonuses available. Start planning your next vacation now with help from this travel card sign-up bonus worth $750 when you redeem through Chase Ultimate Rewards®. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards® Earn 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide. Cash in points on hotels, airfare, and even car rentals or cruises with this flexible travel card. No blackout dates. Your points are worth 25% more when you book airfare, hotels or car rentals through the easy to use Chase Ultimate Rewards® travel portal. There are no foreign transaction fees. The annual fee is $95. You could easily earn more than that with the high rewards rate on this card.

Discover it® Miles

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on Discover's secure site

 

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Attention travelers! Hop on board the Discover it® Miles and buckle your seat belt. This $0 annual fee card soars above other cards with one of the most lucrative travel sign-up bonuses available. If you have a big purchase coming up, rely on long intro APR 0% for 14 months, with 11.99% - 22.99% Variable after that, when you pack this card in your wallet. That means you have over a year to pay off a balance with no interest payments piling up. Here’s how the Discover it® Miles helps you take flight. Discover will match ALL the Miles you’ve earned at the end of your first year, automatically. For example, if you earn 35,000 Miles, you get 70,000 Miles. That’s $700 towards travel! This first-class card offers Unlimited 1.5 Miles for every dollar spent on all purchases - with no annual fee. With the sign-up bonus, that means you will earn 3 Miles for every $1 you spend during your first year, which is an incredible rate. Use this card for all your everyday expenses and you could earn a massive year-end bonus, while enjoying the flexibility of long 0% intro interest.

Southwest Rapid Rewards® Plus Credit Card

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on Chase's secure site

 

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4.0/5.0 from 10 Offer Ratings
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If you fly Southwest Airlines, this card offers valuable and easy to earn rewards even on everyday spending. Take flight fast after you earn a generous sign-up bonus. Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open. Rack up rewards fast when you earn 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases. 1 point per $1 spent on all other purchases. All points earned count towards the popular Companion Pass. Enjoy ultimate flexibility with no blackout dates or seat restrictions when you redeem rewards. There is an annual fee of $69, which if offset by a 3,000 bonus points after your Cardmember anniversary.

Capital One® Venture® Rewards Credit Card

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on Capital One's secure site

 

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4.0/5.0 from 14 Offer Ratings
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This is one of the best cards for people who love to travel. This card earns you unlimited 2 Miles per dollar on every purchase, every day and comes with a earn a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel. The annual fee is $95. The card allows you to fly any airline, stay at any hotel, anytime with no blackout dates — a real plus for last minute travel plans. It also has no foreign transaction fees and your Miles won't expire for the life of the account. All of these benefits make the Capital One® Venture® Rewards Credit Card a great fit for all travelers and even once-a-year vacations!

Chase Freedom Unlimited®

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on Chase's secure site

 

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Chase Freedom Unlimited® comes with generous 0% intro APR on purchases. The standout feature that sets this apart from some other low interest offers is the rich cash rewards. Earn unlimited 1.5% cash back on all purchases. and enjoy a sign-up bonus - Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year. Plus, you get flexibility with 0% Intro APR for 15 months on purchases. This is an enticing card offer with a long 0% intro APR period. The cash-back gives you an extra boost and can help you reach your goals faster.

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Make a purchase and earn. Maximize the return on your everyday spending and get the rewards you want. There’s no telling when the offers on these top cards might change. Apply now and get one of the best credit cards of 2020.