Find the best credit cards that offer the most cash backs, lowest rates and much more!
The best credit cards of 2020
The Best Overall Credit Card
Citi® Double Cash card
EARN 2% CASH BACK
ON PURCHASES:
1% WHEN YOU BUY
AND 1% AS YOU PAY
- There are no caps on cash back earned, and it all adds up fast.
- Earn cash back twice on every purchase, wherever you use your card.
- All the benefits of the Citi Double Cash card without the annual fee.
- When you make a purchase, you’ll earn 1% unlimited cash back.
- Then, you earn an additional 1% cash back as you make payments for that purchase.
Ratings : 4.6 out of 5 stars
Regular APR
15.49% - 25.49% (Variable)
Annual Fee
$0
Welcome Bonus
None
Credit Score
Excellent, Good
The Best All-Around Travel Rewards Card
Chase Sapphire Preferred® Card
Premium travel & dining rewards:2X points on travel and dining at restaurants
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 redeemed through Chase Ultimate Rewards.®
25% more in travel redemption – Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel.
Ratings : 4.5 out of 5 stars
Regular APR
17.49% - 24.49% (Variable)
Annual Fee
$95
Welcome Bonus
60,000 bonus points
Credit Score
Excellent, Good
The Best Airline Rewards Credit Card
Southwest Rapid Rewards® Priority Credit Card
Earn 40,000 points: after you spend $1,000 on purchases in the first 3 months from account opening.*
Exclusive travel benefits for Card members:
- $75 Southwest® annual travel credit.
- Earn tier qualifying points towards A-List status.
- 20% back on inflight drinks and WiFi.
- Four Upgraded Boardings per year when available.
- 7,500 points every year on your Cardmember anniversary.
Ratings : 4.8 out of 5 stars
Regular APR
17.49% - 24.49% (Variable)
Annual Fee
$149
Welcome Bonus
40,000 bonus points
Credit Score
Excellent, Good
The Best Card for Travel and Dining
Bank of America® Premium Rewards® Visa® credit card
Award Winner: Best Rewards Credit Card
- Earn unlimited 2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases.
- 50,000 online bonus points – a $500 value, after you make at least $3,000 in purchases from the first 90 days of account opening.
- Get up to $200 in travel statement credit rewards.
- No foreign transaction fees.
Ratings : 4.5 out of 5 stars
Regular APR
17.49% - 24.49% (Variable) on purchases and balance transfers
Annual Fee
$95
Welcome Bonus
50,000 bonus points
Credit Score
Excellent, Good
The Best Premium Rewards Credit Card
Chase Sapphire Reserve®
Exceptional travel rewards and benefits
- 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
- $300 Annual Travel Credit – Automatically receive up to $300 in statement credits as reimbursement for travel purchases charged to your card each account anniversary year.
- 3X Points on travel and dining worldwide.
- Get 50% more in travel redemption.
Ratings : 4.5 out of 5 stars
Regular APR
18.49% - 25.49% (Variable)
Annual Fee
$550
Welcome Bonus
50,000 bonus points
Credit Score
Excellent credit
The Best Student/First Credit Card
Discover it® Student Cash Back
Cash Rewards for College and Beyond
- Good Grade Reward – Get $20 statement credit each school year if your GPA is 3.0 or higher for up to the next five years.
- 5% Cash Back Rewards – Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping.
- Plus, earn unlimited 1% cash back on all other purchases automatically.
- Cashback Match – All the cash backs earned will be automatically matched by the end of first year.
Ratings : 4.8 out of 5 stars
Regular APR
19.49% (Variable)
Annual Fee
$0
Welcome Bonus
Unlimited first year cash back match
Credit Score
New to Credit, Fair
The Best Credit Card for Foreign Travel
Capital One® Quicksilver® Cash Rewards Credit Card
Earn unlimited 1.5% cash back on every purchase, every day
- Unlimited Rewards – Earn unlimited 1.5% cash back on every purchase, every day.
- New Card member Offer – Earn a one-time $150 cash bonus once you spend $500 on purchases within 3 months from account opening.
- Extended Warranty – You’ll get additional warranty protection at no charge on eligible items that are purchased with your credit card.
- Amazon.com – Pay for your Amazon.com purchases using your Capital One rewards.
Ratings : 4.5 out of 5 stars
Regular APR
15.49% - 25.49% (Variable)
Annual Fee
$0
Welcome Bonus
One-time $150 cash bonus
Credit Score
Excellent, Good
The Best No Annual Fee Airline Rewards Credit Card
United℠ TravelBank Card
Earn. Fly. Adventure.
- $150 in United TravelBank cash after you spend $1,000 on purchases in the first 3 months from account opening.
- 2% on tickets purchased from United – Earn 2% in TravelBank cash per $1 spent on tickets purchased from United.
- Inflight Savings – Enjoy 25% back as a statement credit on purchases of food, beverages and Wi-Fi onboard only on United® operated flights when you pay with your United TravelBank Card.
- No foreign transaction fees.
Ratings : 4.2 out of 5 stars
Regular APR
17.49% - 24.49% Variable APR on purchases and balance transfers
Annual Fee
$0
Welcome Bonus
$150 in United TravelBank cash
Credit Score
Excellent, Good
The Best Retailer Credit Card
Target REDcard™ Credit Card
Get more with RED
- Save 5%** – Get more every day, in store & online.
- Starbucks – Save 5% at any in-store Starbucks location when you use your RedCard.
- Specialty gift cards – Save 5% on specialty gift cards for travel, restaurants, movie tickets, and more.
- Target.com – Free 2-day shipping on Target.com.
Ratings : 3.9 out of 5 stars
Regular APR
24.65% Variable APR on purchases
Annual Fee
$0
Welcome Bonus
None
Credit Score
Excellent, Good
The Best Credit Card For Amex Offers
American Express Cash Magnet® Card
Unlimited 1.5% Cash Back
- New Card Member Offer – Earn 5% Cashback, get the standard unlimited 1.5% Cash Back on purchases. Plus, earn an additional 3.5% Cash Back on purchases in your first 6 months up to $350.
- Payment Flexibility – Carry a balance with interest or pay in full each month. You can have the payment flexibility you need while continuing to earn rewards.
- Fraud Protection – When you use your American Express® Card, you won’t be held responsible for fraudulent charges.
Ratings : 3.7 out of 5 stars
Regular APR
14.49% - 25.49% variable APR on purchases and balance transfers
Annual Fee
$0
Welcome Bonus
$150 back
Credit Score
Excellent, Good