There are 100s of credit cards out there, some good, and some well, bad. We created this recently updated shortlist for the best credit cards of 2020 to help you see the best offers available and make the best decision for you.
From 0% Intro APR on both new purchases and balance transfers for 18 months, to double cash back, to 50,000 bonus miles, there’s a credit card for everyone on this list.
Stop using that old card in your wallet and use one of the better ones below by applying today.
Citi® Diamond Preferred® Card
With one of the longest intro APRs available, the Citi® Diamond Preferred® Card is a top choice for anyone looking save money with a balance transfer. This market-leading offer comes with an intro APR of 0% for 18 months on Balance Transfers. There is also no annual fee and an intro APR of 0% for 18 months on Purchases.
That means you have almost two years to pay down your balance totally interest free. If you currently have a large balance on a credit card that is charging steep interest rates, the Citi® Diamond Preferred® Card could be the perfect card to help you finally escape those pesky interest charges. Apply today and enjoy a lengthy intro APR of 0% for 18 months on Balance Transfers!
Blue Cash Everyday® Card from American Express
With the Blue Cash Everyday® Card from American Express you earn bonus cash back for the things you buy most: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. New cardholders also can earn a welcome offer of a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
On top of the lucrative cash back, the Blue Cash Everyday® Card from American Express comes with a generous intro APR on purchases: 0% on purchases for 15 months. That can be a lifesaver if you need to make a big purchase and want to spread your payments out over time, interest free. Finally, cardholders love that even with all these perks, this card comes with no annual fee.
Citi® Double Cash Card – 18 month BT offer
When it comes to cash back cards, the Citi® Double Cash Card – 18 month BT offer is truly one of a kind – it's the only card that allows you to earn cash back twice. Cardholders earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. There are no limits to how much cash back you can earn and your cash back won't expire.
The Citi® Double Cash Card – 18 month BT offer is the perfect option for any consumers who don't want to have to put any extra thought into their credit card rewards. There's no rotating categories and no special bonuses on certain spending. You simply earn the same flat-rate of 2% no matter what you are purchasing. This card even comes with a top-tier intro APR on balance transfers: 0% for 18 months on Balance Transfers. If you're paying a high interest rate on your current credit card, that intro period can help you escape those pesky interest charges.
American Express Cash Magnet® Card – $150 Welcome Offer
Keep more of your hard-earned money and enjoy a low interest rate with the intro APR of 0% on purchases for 15 months offered with the American Express Cash Magnet® Card – $150 Welcome Offer. As you pay down your balance interest free during that intro period, you'll also enjoy unlimited 1.5% Cash Back on your purchases. Redeem the cash back you earn for everyday purchases as a statement credit and pay down your balance even quicker!
But it doesn't stop there, new cardholders kickstart their cash rewards and earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months. And did we mention that the American Express Cash Magnet® Card – $150 Welcome Offer comes with no annual fee? There's a lot to love with this powerful piece of plastic!
Chase Freedom Unlimited®
Simplify your financial life with the Chase Freedom Unlimited® and earn a generous 5% cash back on travel purchased through Chase, 3% on dining and drugstores, and 1.5% on all other purchases, 0% Intro APR on Purchases for 15 months. True to its name, the Chase Freedom Unlimited® offers freedom from high interest rates with this attractive low interest offer and a flat-rate, but very lucrative cash back program. No more worrying about special bonus categories or annoying caps on how much cash back you can earn.
To kickstart your savings, new cardholders earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.. With no annual fee, cash rewards, and a lengthy intro APR, the Chase Freedom Unlimited® is an excellent everyday credit card for your wallet.
Citi Rewards+℠ Card
For an extra long intro APR on purchases AND balance transfers, the Citi Rewards+℠ Card is a top choice. This card comes with 0% for 15 months on purchases and balance transfers, and cardholders pay no annual fee. That lengthy intro period could provide the breathing room you need if you're paying a high intererst rate on another credit card or if you need to finance a big purchase and want to spread the payments out over time.
What really makes the Citi Rewards+℠ Card stand out is the stellar rewards program – 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. There is also a sizeable sign up bonus so you can kickstart your rewards. Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening. With low interest rates, generous rewards, and no annual fee, the Citi Rewards+℠ Card has it all!
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