NextAdvisor's Best Credit Cards for February 2020

Finding the right card for your needs and spending habits isn’t as hard as you think. Our editors combed through the credit cards we review to find the best offers for cash back, balance transfers, low APR and more. See our list of the top offers from our partners to find the perfect addition to your wallet.

More of the Best Credit Cards Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The reviews are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.

Credit Card Bottom Line Purchase APR Annual Fee Balance Transfer APR Credit Needed Features

Bottom Line

With the longest 0% intro APR on balance transfers we've seen (21 months!), this card is best for paying off or down debt. Its 12-month 0% intro APR on purchases also allows you to pay no interest on purchases you make with the card. On top of that, you'll pay no annual fee and get special access to purchase tickets to thousands of events, like concerts, sporting events and more.

Purchase APR

0% for 12 months on Purchases, then 15.24% - 25.24% (Variable)

Annual Fee

$0

Balance Transfer APR

0% for 21 months on Balance Transfers, then 15.24% - 25.24% (Variable)

Credit Needed

Excellent, Good

Features

21-month 0% intro APR on balance transfers and a year-long 0% intro APR on purchases combined with no annual fee

Bottom Line

1.5% cash back on all purchases; 15-month 0% intro APR on purchases & balance transfers; $150 bonus opportunity

Purchase APR

0% intro on purchases for 15 months, then 15.49% - 25.49% (Variable)

Annual Fee

$0

Balance Transfer APR

0% intro on balance transfers for 15 months, then 15.49% - 25.49% (Variable)

Credit Needed

Excellent, Good

Features

Earn $150 after you spend $500 on purchases within 3 months from account opening, 1.5% cash back on all purchases

Bottom Line

This card offers a $150-bonus opportunity, solid cash back rewards at U.S. supermarkets, U.S. gas stations and more. On top of that, there's no annual fee and a lengthy intro APR on both balance transfers and purchases. Terms apply.

Purchase APR

0% on purchases for 15 months, then 14.49%-25.49% Variable

Rates and Fees

Annual Fee

$0

Balance Transfer APR

0% on balance transfers for 15 months, then 14.49%-25.49% Variable

Credit Needed

Excellent, Good

Features

Earn 3% cash back at U.S. supermarkets (up to $6,000/year, then 1%), 2% cash back at U.S. gas stations and at select U.S. department stores., 1% back on other purchases. $150 bonus after spending $1,000 in first 3 months. Terms apply.

Bottom Line

This card is perfect for your modern everyday purchases, as it earns 6% cash back at U.S. supermarkets on up to $6,000/year in purchases and on select U.S. streaming subscriptions as well as 3% at U.S. gas stations and on transit. There's also a $250 intro bonus opportunity, a lengthy intro APR period and more. Terms apply.

Purchase APR

0% on purchases for 12 months, then 14.49%-25.49% Variable

Rates and Fees

Annual Fee

$95

Balance Transfer APR

0% on balance transfers for 12 months, then 14.49%-25.49% Variable

Credit Needed

Excellent, Good

Features

Earn 6% cash back at U.S. supermarkets (on up to $6,000/year, then 1%) and on select U.S. streaming services. Plus, earn 3% back at U.S. gas stations and on transit, as well as 1% back on all other purchases. $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. Terms apply.

Bottom Line

Earn unlimited 2X miles on every purchase, every day.; enjoy a 50,000 miles intro bonus opportunity (equivalent to $500 in travel)

Purchase APR

17.24% - 24.49% (Variable)

Annual Fee

$0 intro for first year; $95 after that

Balance Transfer APR

17.24% - 24.49% (Variable)

Credit Needed

Excellent, Good

Features

Earn 50,000 miles once you spend $3,000 on purchases within 3 months from account opening; plus earn an unlimited 2X miles on all purchases

Bottom Line

Combines an 18-month 0% intro APR on balance transfers with cash back rewards; Double your cash back at end of 1st year

Purchase APR

0% for 6 months, then 13.49% - 24.49% Variable

Rates and Fees

Annual Fee

$0

Balance Transfer APR

0% for 18 months, then 13.49% - 24.49% Variable

Credit Needed

Excellent/Good

Features

5% cash back on purchases within select categories up to the quarterly maximum (signup required); unlimited 1% on all other purchases

Bottom Line

Earn 2% cash back on all purchases, the highest standard cash back rate of all the cards we review; 0% intro APR for 18 months on balance transfers

Purchase APR

15.49% - 25.49% (Variable)

Annual Fee

$0

Balance Transfer APR

0% intro for 18 months on Balance Transfers, then 15.49% - 25.49% (Variable)

Credit Needed

Excellent, Good

Features

Earn 2% cash back on all purchases (1% when you make a purchase, plus another 1% when you pay for the purchase)