Best Credit Cards 2020

This month, the Chase Sapphire Preferred® Card is rated the best overall offer for rewards as it gives you a 60,000 point sign-up bonus as well as 2x points in selected categories. The redemption for travel with this offer is also incentivized nicely and the points transfer value is among the industry best.

The best options for carrying a balance this month are the Citi® Diamond Preferred® Card for 0% APR on purchases, BankAmericard® Credit Card for 0% balance transfers, and Chase Freedom® for 0% a cash back card.

Last Updated March 2020

Chase Sapphire Preferred® Card
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Chase Sapphire Preferred® Card
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  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
Intro APR
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N/A N/A N/A N/A 17.49% - 24.49% Variable $95
IMPORTANT DISCLAIMERclose
* This information is provided through a relationship with CreditKarma.com. 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.
   

Citi® Double Cash Card
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Citi® Double Cash Card
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  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% cash back as you pay for those purchases.
  • Receive 0% for 18 months on balance transfers made within 4 months of account opening
  • Balance Transfers do not earn cash back; transfer fee applies
  • 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
  • No categories to track and no caps on cash back
  • No annual fee
Intro APR
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N/A N/A 0% for 18 months 18 Months 15.74% - 25.74% (variable) $0
IMPORTANT DISCLAIMERclose
* This information is provided through a relationship with CreditKarma.com. 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.
   

Bank of America® Cash Rewards Credit Card
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Bank of America® Cash Rewards Credit Card
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  • $200 online cash rewards bonus after you spend at least $1,000 on purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings
  • Plus, earn 2% at grocery stores and wholesale clubs, and 1% cash back on everything else
  • Bonus rewards capped at $2,500 is combined bonus category purchases each quarter
  • No annual fee
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
Intro APR
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0% Intro APR for 15 Billing Cycles (for balance transfers made in the first 60 days) 15 Billing Cycles 0% Intro APR for 15 Billing Cycles 15 Billing Cycles 15.49% - 25.49% (Variable) $0
IMPORTANT DISCLAIMERclose
* This information is provided through a relationship with CreditKarma.com. 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.
   

Chase Freedom Unlimited®
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Chase Freedom Unlimited®
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  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49 - 25.24%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5
  • No annual fee
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
Intro APR
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0% Intro APR on Balance Transfers for 15 months 15 months 0% Intro APR on Purchases for 15 months 15 months 16.49% - 25.24% Variable $0
IMPORTANT DISCLAIMERclose
* This information is provided through a relationship with CreditKarma.com. 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.
   

BankAmericard® Credit Card
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BankAmericard® Credit Card
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  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 15.24% to 25.24% Variable APR
  • $0 Intro Balance transfer fee during first 60 days of account opening. After that, the fee for future balance transfers is 3% (min. $10).
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app
Intro APR
(Balance Transfers)
Intro Period
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Intro Period
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0% Intro APR for 15 Billing Cycles (for balance transfers made in the first 60 days) 15 Billing Cycles 0% Intro APR for 15 billing cycles 15 billing cycles 15.24% to 25.24% (Variable) $0
IMPORTANT DISCLAIMERclose
* This information is provided through a relationship with CreditKarma.com. 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.
   

Citi® Diamond Preferred® Credit Card
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Citi® Diamond Preferred® Credit Card
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  • Get 0% intro APR on new purchases and balance transfers for 18 months. Balance transfers must be made within the first 4 months of account opening
  • Citi® Price Rewind searches for lower prices online for 60 days for your registered purchases
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • Experience great benefits like VIP packages to concerts, sporting events and more with access to Citi® Private Pass®
  • No annual fee
  • Free access to FICO® Scores
Intro APR
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0% for 18 Months 18 Months 0% for 18 Months 18 Months 15.99% - 25.99% (Variable) $0
IMPORTANT DISCLAIMERclose
* This information is provided through a relationship with CreditKarma.com. 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.