BEST CREDIT CARDS 2020

From bonuses to awesome rewards, our pick of best credit cards. Compare these cards to find one for you.

By: Heather Hanks Mar. 21, 2019

With so many options available, it can be hard to find the best credit cards. Should you go with one that has awesome rewards or one that has low interest rates? What about a business card for all of your business expenses? We’ve narrowed down the best credit cards in USA to help you make a decision. There are several things you’ll want to consider when narrowing down the best credit card offers. First, consider your needs. Do you want a credit card that gives you 6% cash back at supermarkets? Then consider the Blue Cash Preferred Credit Card from American Express. Do you need a credit card that doesn’t do a credit check on you? If so, then check out the Horizon Gold. How about a credit card with low interest rates? You’ll want to take a look at the Capital One Quicksilver.

What do you need to know before picking any credit card?

Before picking any credit card, it’s a good idea to do your homework. Make sure you know all hidden fees associated with your card. Take a look at all the terms and conditions to be sure you’re aware of all of them. The worst thing you can do is pick a credit card that puts you further in debt! If you’re a first-time credit card holder, then go with one with a low monthly limit. This will prevent you from overspending so that you can make all payments on time. If you fall behind on payments, then your credit score could suffer for years. This could prevent you from being able to make major purchases in the future. A credit card can benefit you in many ways. It gives you the option to build credit, which is imperative to your financial future. Take a look at the following options and decide which is best for you.

We’ve narrowed down the credit cards best deals into three categories:

Business credit cards

Low interest credit cards

Cash back credit cards

We suggest comparing all cards to find the one that best meets your needs. Why do you need a credit card? Simply put, credit is the gateway to most things in life. Your credit determines how likely you are to pay back loans or make timely payments. Bad credit can put you at risk for being turned down for major purchases, such as auto and mortgage loans. Taking out a credit card and making timely payments is the best way to boost your credit score. We’ve put together a list of the best American credit cards to help you make a decision. If you’re looking for an international credit card, then check the details of the card you’re interested in.

After you’ve made a decision, click on the card of your choice to see more details. Most companies will do a soft pull on your credit once you apply. If you’re approved, they will do a hard pull on your credit and this can affect your score. Be sure you make the best decision possible before applying. It’s not a good idea to apply for too many credit cards. If you need help picking the best credit card for you, then you can reach out to us! We’re here to help you make decisions. While we do not provide legal advice, our professional team is standing by to help make suggestions based on your needs. Our list of credit cards features a variety of different amenities. You can quickly compare each credit card by viewing the regular APR rate, the intro APR, and the annual fee. We’ve also broken down a list of key features for each card. For more details, try clicking on the “read full review” button.

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Overall Rating

THE CHASE SAPPHIRE PREFERRED® Credit card

Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
No foreign transaction fees
1:1 point transfer to leading airline and hotel loyalty programs
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

READ FULL REVIEW

REGULAR APR

17.99% - 24.99% Variable APR

ANNUAL FEE

$0 for the first year, then $95

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Citi Simplicity® Credit Card - No Late Fees Ever

If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
The same great rate for all balances, after the introductory period
Save time when you call with fast, personal help, 24 hours a day – just say “representative”
Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

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REGULAR APR

15.99% - 25.99% Variable APR

INTRO APR

0% on Purchases for 12 months and 0% on Balance Transfers for 21 months

ANNUAL FEE

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Discover it® Cash Back credit card

Redeem cash back any amount, any time. Rewards never expire.
Use your rewards at Amazon.com checkout.
Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
No annual fee.

READ FULL REVIEW

REGULAR APR

13.99% - 24.99% Variable APR

INTRO APR

0% on Purchases and Balance Transfers for 14 months

ANNUAL FEE

Cash Back credit cards

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Blue Cash Preferred® Credit Card American Express

Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
$95 annual fee.

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REGULAR APR

14.99% - 25.99% Variable APR

INTRO APR

0% on Purchases and Balance Transfers for 12 months

ANNUAL FEE

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Chase Freedom Unlimited® Credit Card

No minimum to redeem for cash back
Cash Back rewards do not expire as long as your account is open
Free credit score, updated weekly with Credit Journey℠
No annual fee

READ FULL REVIEW

REGULAR APR

16.99% - 25.74% Variable APR

INTRO APR

0% on Purchases and Balance Transfers for 15 months

ANNUAL FEE

Low Interest credit cards

Capital One® Quicksilver® Cash Rewards Credit Card

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Capital One® Quicksilver® Cash Rewards Credit Card

0% intro APR on purchases for 15 months; 14.74%-24.74% variable APR after that
0% intro APR on balance transfers for 15 months; 14.74%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Pay no annual fee or foreign transaction fees

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REGULAR APR

14.74% - 24.74% Variable APR

INTRO APR

0% on Purchases and Balance Transfers for 15 months

ANNUAL FEE

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Overall Rating

Discover it® Balance Transfer Credit Card

100% U.S. based customer service.
Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.

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REGULAR APR

13.99% - 24.99% Variable APR

INTRO APR

0% on Purchases for 6 months and 0% on Balance Transfers for 18 months

ANNUAL FEE

Business credit cards

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Ink Business Unlimited℠ Credit Card

Employee cards at no additional cost
No Annual Fee

READ FULL REVIEW

REGULAR APR

15.24% - 21.24% Variable APR

INTRO APR

0% on Purchases and Balance Transfers for 12 months

ANNUAL FEE

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Overall Rating

SimplyCash® Plus Business Credit Card from American Express

Earn 5% cash back on the first $50,000 spent at wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
Earn 3% cash back on the first $50,000 spent in the category of your choice from a list of eight and 1% cash back on other purchases
With Expanded Buying Power you can spend beyond your credit limit* to make bigger purchases for your business plus earn cash back on those purchases too
*The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors

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REGULAR APR

14.24% - 21.24% Variable APR

INTRO APR

0% on Purchases for 15 months

ANNUAL FEE

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Overall Rating

Capital One® Spark® Cash for Business Credit Card

Use Spark Cash across all your business spend, with no categories to limit your purchasing
$0 intro annual fee for the first year; $95 after that
Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
Get employee cards at no additional cost, and earn rewards from their business spend

READ FULL REVIEW

REGULAR APR

18.74% Variable APR

INTRO APR

ANNUAL FEE

$0 for the first year, then $95

Disclaimer

CreditNervana promises to keep our information as accurate and up-to-date as possible. However, you should always consult a financial advisor for specific questions about personal or business finances and investment opportunities, especially if you are looking in your area. Working with a trained professional who is familiar with your case is a safe and guaranteed way to make the best investment decision possible. Please review our terms and conditions before making any decision based on the information we provide. Financial institutions are constantly changing. Because of this, it’s a good idea to cross check the information you read here with any company you are considering working with.

BEST CREDIT CARDS 2020

What do you need to know before picking any credit card?

THE CHASE SAPPHIRE PREFERRED® Credit card

REGULAR APR

ANNUAL FEE

Citi Simplicity® Credit Card - No Late Fees Ever

REGULAR APR

INTRO APR

ANNUAL FEE

Discover it® Cash Back credit card

REGULAR APR

INTRO APR

ANNUAL FEE

Cash Back credit cards

Blue Cash Preferred® Credit Card American Express

REGULAR APR

INTRO APR

ANNUAL FEE

Chase Freedom Unlimited® Credit Card

REGULAR APR

INTRO APR

ANNUAL FEE

Low Interest credit cards

Capital One® Quicksilver® Cash Rewards Credit Card

REGULAR APR

INTRO APR

ANNUAL FEE

Discover it® Balance Transfer Credit Card

REGULAR APR

INTRO APR

ANNUAL FEE

Business credit cards

Ink Business Unlimited℠ Credit Card

REGULAR APR

INTRO APR

ANNUAL FEE

SimplyCash® Plus Business Credit Card from American Express

REGULAR APR

INTRO APR

ANNUAL FEE

Capital One® Spark® Cash for Business Credit Card

REGULAR APR

INTRO APR

ANNUAL FEE

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