Top Credit Cards of 2020 | CompareCredit.com

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Citi® Diamond Preferred® Card

(2,138 reviews)

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  • 0% for 18 months on Balance Transfers
  • 0% for 18 months on Purchases
  • 14.74% - 24.74% (Variable)
  • $0
  • Excellent
  • Click "APPLY NOW" to apply online
  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

See additional details for Citi® Diamond Preferred® Card

American Express Cash Magnet® Card – $150 Welcome Offer

(529 reviews)

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Rates & Fees

  • $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months
  • Unlimited 1.5% Cash Back on your purchases
  • Easily redeem cash back for statement credits, gift cards, and merchandise
  • $0
  • Good, Excellent
  • AMEX
  • Click "APPLY NOW" to apply online
  • Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
  • Unlimited 1.5% Cash Back on your purchases.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, currently 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee and no interest.
  • Amex Offers rewards you at places you like to shop, dine, travel, and more. You can add as many Offers as you’d like to your Card, then just use that Card to pay, and enjoy rewards directly on your statement.
  • Cash Back is received in the form of Reward Dollars that can be redeemed for statement credits.
  • No Annual Fee.
  • Terms Apply.

Citi® Double Cash Card – 18 month BT offer

(1,826 reviews)

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  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • 0% for 18 months on Balance Transfers
  • No annual fee and $0 liability on unauthorized charges
  • $0
  • Excellent
  • Click "APPLY NOW" to apply online
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Blue Cash Preferred® Card from American Express

(334 reviews)

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Rates & Fees

  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more. 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
  • $95 Annual Fee
  • $95
  • Good, Excellent
  • AMEX
  • Click "APPLY NOW" to apply online
  • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, currently 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee and no interest.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • $95 Annual Fee.
  • Terms Apply.

Blue Cash Everyday® Card from American Express

(144 reviews)

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Rates & Fees

  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% at U.S. supermarkets on up to $6,000 per year in purchases
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • $0
  • Good, Excellent
  • AMEX
  • Click "APPLY NOW" to apply online
  • Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee and no interest.
  • Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.
  • No annual fee.
  • Terms Apply.

Citi Rewards+℠ Card

(360 reviews)

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  • 0% for 15 months on purchases and balance transfers
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • $0
  • Excellent
  • Click "APPLY NOW" to apply online
  • The Citi Rewards+SM Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

See additional details for Citi Rewards+℠ Card

Capital One® Quicksilver® Cash Rewards Credit Card

(415 reviews)

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  • $150 Cash Back after you spend $500 on purchases within 3 months from account opening
  • 1.5% Cash Back on every purchase, every day
  • 0% intro on purchases for 15 months, 15.49% - 25.49% (Variable) thereafter
  • $0
  • Excellent, Good
  • Click "APPLY NOW" to apply online
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
  • Pay no annual fee or foreign transaction fees

Capital One® Venture® Rewards Credit Card

(192 reviews)

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  • 50,000 Miles once you spend $3,000 on purchases within 3 months from account opening
  • 2 Miles per dollar on every purchase, every day
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • $95
  • Excellent, Good
  • Click "APPLY NOW" to apply online
  • Enjoy 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
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 10+ travel loyalty programs
  • No foreign transaction fees

Chase Freedom Unlimited®

(1,347 reviews)

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  • $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR on Purchases for 15 months
  • Unlimited 1.5% cash back on all other purchases
  • $0
  • Excellent/Good
  • Click "APPLY NOW" to apply online
  • 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.
  • Earn unlimited 1.5% cash back on all other purchases.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No annual fee
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open

See additional details for Chase Freedom Unlimited®


Best Credit Cards

There’s a lot of information out there about finding the best credit card. But at the end of the day, the true ‘best credit card’ will always be different from person to person. That’s because everybody’s needs are different – some people need low interest rates on their credit card while others are interested in earning the most cash back or travel rewards on their purchases. So how do you find the best credit card for you? First you have to decide what you’re looking for in a credit card.

To figure out what the best credit card for you will be, first you need to take a look at your spending and payment habits. If you typically carry a balance on your credit card, then you’ll want to look for a card that comes with the lowest possible interest rates. But be warned –carrying a balance from month to month on a credit card can become very expensive and if you’re not careful you can end up digging yourself into a whole of debt that is difficult to get out of. The best practice for using a credit card it to pay the balance off in full every month.

That said, for anyone looking for a low interest credit card, the main features you’ll want to pay attention to are the interest rates associate with the card. The interest rates, otherwise known as the ‘APR’ (stands for Annual Percentage Yield) should be as low as possible in order to save you the most money. Many cards come with introductory interest rates of 0% for a number of months – sometimes as long as 21 months! These intro APRs can be very helpful for paying down your debt faster. But be careful not to get sucked in by the attractive intro APRs and not pay attention to the ongoing APRs. After the intro period is up, you’ll typically pay between 14-22% on your remaining balance each month. Having an APR on the lower end of this spectrum can save you a lot of money.

For consumers who consistently pay their balance off in full each month, low interest rates are less of a necessity on their credit card. Instead, these consumers should focus on earning rewards for their purchases. Credit card rewards come in many different forms and the options are seemingly endless. For the simplest rewards structure, go with a flat-rate cash back card – there are many cards that offer 1-2% cash back on every purchase, no matter what you use your card for. Cards like these will help ensure you are earning a solid rewards rate without having to put too much thought into your credit card rewards. Alternatively, some cash back cards come with special bonus categories where you earn more cash back for certain purchases like groceries or gas.

If you would rather earn travel rewards with your credit card, there are many options available to help turn your everyday purchases into your next vacation. Some travel credit cards are specifically associated with one airline or hotel, while others allow you to earn and redeem rewards towards any travel purchase. Both options have their pros and cons, but it ultimately boils down to how much flexibility you want versus how much you value extra perks. Either way, you’ll want to look for a card that offers the most rewards on every spending, and you should also pay attention to secondary perks like sign up bonuses and travel credits.

As you can see, selecting the best credit card is not as simple as it sounds. But with the right information, it’s easy to determine which card is best for your situation. Take a look at the cards listed above – these are some of the best offers available in a wide range of categories. Find one that works for you and apply securely online today!

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Disclosure: These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.