Best Credit Cards 2020 – [Exclusive] Guide & Recommendations

The best credit cards of 2020 are here and are better than ever. No matter if you are looking for the best credit cards with rewards or the cards with the best bonus when approved, we assure you that you will find the best credit card for you this 2020.

List of best credit cards 2020

Cards	Rating	Apply
Discover	⭐⭐⭐⭐⭐	Apply Now
American Express Blue Cash	⭐⭐⭐⭐⭐	Apply Now
Chase Freedom	⭐⭐⭐⭐⭐	Apply Now
Chase Sapphire Preferred	⭐⭐⭐⭐⭐	Apply Now
Capital One Venture Rewards	⭐⭐⭐⭐⭐	Apply Now
Capital Bank OpenSky	⭐⭐⭐⭐⭐	Apply Now
Capital One Secured MasterCard	⭐⭐⭐⭐⭐	Apply Now
BankAmericard	⭐⭐⭐⭐⭐	Apply Now
Citi ThankYou	⭐⭐⭐⭐⭐	Apply Now
Capital One QuicksilverOne	⭐⭐⭐⭐⭐	Apply Now
Chase Slate	⭐⭐⭐⭐⭐	Apply Now
Chase Business Ink Cash	⭐⭐⭐⭐⭐	Apply Now

Best credit cards 2020

From great sign up bonuses to generous rewards, here are the best credit cards of 2020, which outperform the rest. Compare these offers to find one that suits your needs.

#1. Discover IT

Features:

• Best credit card with the welcome bonus.
• You get a 5% refund in the fourth quarter at Amazon and department stores.
• Welcome bonus: All refunds you get at the end of your first year will be automatically doubled, only for new cardholders.

 

#2. American Express Blue Cash

American Express cards are recognized for having the highest prestige and reputation. How about having an American Express Blue Cash card without paying an annual membership fee (known in English as an annual fee )? It is now possible thanks to the American Express Blue Cash card. Apart from being one of the best credit cards of 2020, it is also one of the best credit cards with rewards this year.

⭐ Welcome bonus: $ 200 USD Earn $ 200 after spending $ 1,000 with your new card within the first 3 months.

 

#3. Chase Freedom

Features:

• Best credit card with a refund for purchases
• Best credit card with cashback: Chase Freedom
•  Welcome bonus: $ 100 USD when spending $ 500 dollars with this card.

 

#4. Chase Sapphire Preferred

Features:

• Credit card with the higher welcome bonus
• Best Chase Sapphire Preferred credit cards
• You get a $ 625 welcome bonus when you redeem for trips through Chase Ultimate Rewards.

⭐ Welcome bonus: You earn 50,000 bonus points after spending $ 4,000 on purchases in the first 3 months of opening the account. That equals $ 625 towards trips when you redeem through Chase Ultimate Rewards.

 

#5. Capital One Venture Rewards

Features:

• Best credit card without commissions abroad
• Best travel credit cards: Capital One Venture Rewards

⭐ Welcome bonus: Enjoy a one-time bonus of 40,000 points once you spend $ 3,000 on purchases within 3 months of approval, which equals $ 400 on trips.

 

Best credit cards 2020 with rewards

A very easy way to earn extra money is to pay for everything with credit cards with cash back or rewards. These cards pay you a commission to use them and to pay with them.

#1. American Express Blue Cash

Features:

• Credit card with rewards easier to obtain
• Credit cards with rewards: American Express Blue Cash
• It offers 6% in supermarkets, 3% in gas stations; applicable terms.

⭐ Rewards and welcome bonus: 200 dollars! Earn $ 200 after spending $ 1,000 with your new Card within the first 3 months.

 

#2. Discover IT

Features:

• A credit card that gives you money back for your purchases
• Best credit cards this year: Discover
• 5% cashback with an extra 100% refund on the rewards you accumulate at the end of your first year

⭐  Welcome bonus: Automatically Discover will double all the refunds you get at the end of your first year. Only for new cardholders.

 

#3. Chase Freedom

Features:

• Best cashback credit card
• Best credit card with cashback: Chase Freedom

⭐ Offer and welcome bonus: Earn $ 100 by spending $ 500 with this card.

 

Best credit cards 2020 to build or improve your credit

If you want to start building your credit or open credit in the United States, these cards are perfect for you.

#1. Discover IT

Features:

• Best credit card to build credit with rewards
• Best credit cards this year: Discover
• Cash reward guaranteed card.
• Offer and welcome bonus: none

 

#2. Capital Bank OpenSky

Start building your credit with a secured credit card. The approval of this card is almost guaranteed since it is necessary to make a deposit before using it, so it is the perfect way to start your credit or start repairing your bad credit (or even after making a bankruptcy).

Features:

• Credit cards to build credit
• Capital Bank OpenSky credit cards
• Capital Bank reports your activity quickly to the credit bureaus so you can start uploading your credit score (with which you can be approved for any credit card )
• Offer and welcome bonus: None

 

#3. Capital One Secured MasterCard

Features:

• Best secured credit card in the United States
• Cards to improve your credit Capital One Secured MasterCard
• Offer and welcome bonus: None

 

Best credit cards 2020 for travel (no commission for foreign transactions)

Travelling abroad does not mean you have to pay commission. These credit cards do not charge you overseas transactions, which means a saving between 3 to 5% on all your purchases.

#1. Chase Sapphire Preferred

Features:

• Best credit cards to travel for FREE
• Best Chase Sapphire Preferred credit cards
• Offers registration bonus for trips of $ 625.

⭐ Offer and welcome bonus: Earn 50,000 bonus points after spending $ 4,000 on purchases in the first 3 months of opening the account. That’s $ 625 towards trips when you redeem through Chase Ultimate Rewards.

 

#2. Discover IT credit card

Features:

• Best credit card with travel rewards
• Best credit cards this year: Discover
• You get a 5% refund in the fourth quarter at Amazon and department stores.

⭐ Offer and welcome bonus: You will be automatically doubled all the refunds you get at the end of your first year, only for new cardholders.

#3. Capital One Venture Rewards

Features:

• Best credit cards without commissions abroad
• Best credit cards for travel Capital One Venture Rewards
• It offers 2 travel awards with easy redemption.

⭐ Offer and welcome bonus: Enjoy a single bonus of 40,000 miles once you spend $ 3,000 on purchases within 3 months of approval, which equals $ 400 on trips.

 

#4. Bank of America Travel Rewards

Features:

• Credit cards with miles and travel rewards
• Best credit cards for travel Bank of America Travel Rewards
• No annual fee, no foreign transaction fee, and Chip

⭐ Offer and welcome bonus: 20,000 bonus points online if you make at least $ 1,000 in purchases in the first 90 days, which can be a $ 200 credit for travel purchases.

 

Best interest-free credit cards 2020

If you want to pay your debts or pay less interest, these credit cards offer you a 0% introductory rate (known in English as 0% APR), that is, you will not pay interest. For more details, visit: Best Credit Cards 2020 No Annual Fee

#1. Discover IT

Features:

• Best credit card to transfer balance (without paying interest)
• Best credit cards this year: Discover
• Credit card with balance transfer offer and zero interest for 18 months. In addition, you will earn rewards.

⭐ Offer and welcome bonus: You could convert $ 200 to $ 400 with Discover Cashback Match. You will automatically receive double all of the refunds you get at the end of your first year.

 

All the details in our Discover IT analysis

#2. Chase Freedom

Features:

• Best interest-free credit card for 18 months
• Chase Freedom Credit Card Analysis
• Interest-free credit card or 0% APR (also known as APR or annual Equivalent rate). You do not pay interest for 18 billing cycles on qualifying balance transfers and a very low-interest rate after this time.

⭐ Offer and welcome bonus: Earn $ 150 after spending $ 500 for the first 3 months

 

#3. American Express Blue Cash

Features:

• Credit card to transfer balances without paying interest
• Credit cards with rewards: American Express Blue Cash

⭐ Offer and welcome bonus: You save with an initial balance transfer fee of $ 0, introductory APR of 0% for 12 months on purchases and balance transfers and $ 0 annual fee. In addition, you receive American Express rewards monthly.

 

Best credit cards with low interest 2020

If you hate paying interest, these low-interest credit cards will help you take better control of your finances.

#1. Discover IT

Features:

• Best low-interest credit cards
• Best credit cards this year: Discover
• 2020 credit card with the lowest interest rates.

⭐ Offer and welcome bonus: A low variable APR on balance transfers and purchases

All the details in our Discover IT analysis

 

#2. Bank Americard

Features

• Low-interest credit card in 2020
• Offer and welcome bonus: None

 

Best credit cards for students 2020

#1. Discover IT

Features:

• Best credit card for students with a 5% refund in the revolving bonus categories.
• Offer and welcome bonus: Discover matches with all refunds you have earned at the end of your first year, automatically. Only for new cardholders.

 

#2. Citi ThankYou

Offer and welcome bonus: Earn 2,500 ThankYou bonus points after spending $ 500 within the first 3 months of the card.

 

Best credit cards easy to obtain 2020 (with low credit or bad credit)

Do you need the money and are looking for an easy-to-obtain credit card? These will be your best options for 2020.

#1. Discover IT

Features:

• Very easy to obtain credit card
• You get 5% refund in the fourth quarter at Amazon and department stores.
• Offer and welcome bonus: You will be automatically doubled all the refunds you get at the end of your first year, only for new cardholders.

 

#2. Capital One Quicksilver One

Features:

• 1.5% cashback on all purchases
• Offer and welcome bonus: Earn 1.5% unlimited cash on every purchase, every day

 

#3. Chase Slate

Features:

• Low-interest credit cards Chase Slate
• More than one year without interest and $ 0 of transfer of introductory balance.
• Offer and welcome bonus: Save with an initial balance transfer fee of $ 0, introductory APR of 0% for 15 months on purchases and balance transfers and $ 0 annual fee. In addition, you receive a free FICO® monthly score.

The best credit cards 2020 offers to receive a refund on your purchases

5% cash in the fourth quarter at Amazon and department stores AND one match in all rewards at the end of your first year

Best credit cards 2020: Discover IT

Features:

• Cards with shopping rewards
• Best credit cards this year: Discover
• Offer and welcome bonus: You will be automatically doubled all the refunds you get at the end of your first year, only for new cardholders.

 

Best credit cards 2020: Chase Freedom

Features:

• Credit cards that gives you money back
• Best credit card with cashback: Chase Freedom
• It offers a cash enrollment bonus of $ 150, plus 1.5% cashback on all purchases, and an introductory APR offer.
• Offer and welcome bonus: You earn a $ 150 bonus after spending $ 500 on purchases in your first 3 months from account opening.

 

Best credit cards 2020: American Express Blue Cash

Features:

• Credit card with rewards: 6% in supermarkets, 3% in gasoline
• Offer and welcome bonus: Earn 10% refund on purchases on Amazon.com in the first 6 months, up to $ 200. Also, earn $ 150 of rewards after spending $ 1,000 on purchases with your new Card within the first 3 months.

 

Best credit cards 2020 for businesses or small businesses

If you have a small business, these credit cards will help you obtain credit for your business at low interest.

Best credit cards 2020: Chase Business Ink Cash

Features:

• Best credit cards for business
• Credit cards with offers for small businesses: Chase Business Ink Cash
• Business card with cash rewards and no additional charges or annual charges.
• Welcome offer and bonus: You earn cash of $ 300 and up after spending $ 3,000 on purchases in the first 3 months of opening the account.

Why do we recommend it as one of the best credit cards for small businesses?

 

Best credit cards 2020: Capital One Spark Cash

Features:

• Capital One Spark Cash business credit cards
• Business credit cards with 2% cashback on cash on all purchases
• Offer and welcome bonus: It gives you a cash bonus of $ 500 once you spend $ 4,500 on purchases within 3 months of approval.

 

Best credit cards 2020: American Express SPG Business

Features:

• Business credit card with $ 500 sign-up bonus and you can choose your reward or bonus category.
• Offer and welcome bonus: Earn a $ 250 declaration credit after spending $ 5,000 on qualified purchases on your card within the first 6 months of membership. In addition, you earn an additional credit of $ 250 after spending $ 10,000 more on qualified purchases within the first year of the Card membership.

 

Best credit cards 2020: Opinions

We hope that our guide on the best credit cards of 2020 will help you get all the details you should know about the card that suits you best to have this year. Remember that, if you have any doubt or question, you can leave us a comment and we will help you out of your concern.

Also chose the best one for online buy and sell your products and tools by the correct choice of your credit card like you purchase a tool related to your business or for fun like YouTube to mp3 and many more like that.

What are the best credit cards for 2020? What are the best credit cards worth having? We want to know your opinion. If you have had any experience (good or bad) with any of these credit cards or would like to suggest other cards, leave us a comment below and tell us your anecdote.