Best Credit Cards 2020

This month, the U.S. Bank Cash ™ Visa Signature® Card is rated the best overall offer for rewards as it gives you 5% cash back on up to $8000 in purchases for categories that you choose. The Capital One® Venture® Rewards Credit Card is regarded as the best for travel. Both of these offers are designed for people who want to maximize their rewards earnings and will not carry a balance.

The best options for carrying a balance this month are the U.S. Bank Visa® Platinum Cardfor 0% APR on purchases, BankAmericard® Credit Card for 0% balance transfers, and Barclaycard CashForward™ World MasterCard® for 0% cash back card.

Last Updated January 2020

Capital One® Venture® Rewards Credit Card
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Capital One® Venture® Rewards Credit Card
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  • 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 2X miles on every purchase, every day.
  • 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 12 leading travel loyalty programs
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Named ‘The Best Travel Card' by CNBC, 2018
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
Intro APR
(Balance Transfers)
Intro Period
(Balance Transfers)
Intro APR
Intro Period
N/A N/A N/A N/A 17.24% - 24.49% (Variable) $0 intro for first year; $95 after that
* This information is provided through a relationship with Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed.