NextAdvisor's Best Credit Cards for 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

Discover it® Cash Back

Bottom Line

14-month 0% intro APR on purchases & balance transfers; Matches your cash back at end of 1st year.

Purchase APR

0% for 14 months, then 13.49% - 24.49% Variable

Rates and Fees

Annual Fee

$0

Balance Transfer APR

0% for 14 months, then 13.49% - 24.49% Variable

Credit Needed

Excellent/Good

Features

Matches your cash back at end of 1st year; 5% cash back on purchases within select categories up to the quarterly maximum (signup required); 1% on all other purchases

Capital One® SavorOne® Cash Rewards Credit Card

Bottom Line

Good pick if you dine out and shop at grocery stores frequently; $150 bonus opportunity; 15-month 0% intro APR on balance transfers & purchases

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 3% back on dining out and entertainment, 2% back at grocery stores and 1% back on all other purchases; $150 after you spend $500 on purchases within 3 months from account opening

Blue Cash Preferred® Card from American Express

Bottom Line

Earn 6% cash back at U.S. supermarkets on up to $6,000 in purchases and on select U.S. streaming services, 3% at U.S. gas stations and on transit; $250 intro bonus opportunity; 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 (up to $6,000, 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.

Capital One® Venture® Rewards Credit Card

Bottom Line

Earn 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

Citi® Double Cash Card

Bottom Line

Earn 2% cash back on all purchases, the highest standard cash back rate of all the cards we review; 0% intro 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)

Discover it® Balance Transfer

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

Blue Cash Everyday® Card from American Express

Bottom Line

$150 bonus opportunity; lengthy intro APR on both balance transfers and purchases; Solid all-around cash back card. 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.