The Best Credit Cards of 2020

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer.

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Chase Sapphire Preferred® Card

  • On Chase's Secure Website

$95

15.99% - 22.99% Variable

Excellent

  • 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.
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American Express® Gold Card

$250

See Rates & Fees

Good/Excellent

  • Earn 35,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 3 months.
  • Earn 4X Membership Rewards® points when you dine at restaurants worldwide. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
  • Choose to carry a balance with interest on eligible charges of $100 or more.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
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Chase Sapphire Reserve®

  • On Chase's Secure Website

$550

16.99%-23.99% Variable

Excellent

  • Earn 50,000 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®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®
  • One Year Complimentary Lyft Pink ($199 minimum value). Complimentary DashPass subscription from DoorDash after activating by 12/31/21.
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Blue Cash Preferred® Card from American Express

$95

12.99%-23.99% Variable

Good/Excellent

  • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases.
  • Don't wait for your Card in the mail. Start earning cash back before your card even arrives, if eligible for Instant Card Number.
  • Low intro APR: 0% for 12 months on purchases and balance transfers from the date of account opening, then a variable rate, currently 12.99% to 23.99%
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • $95 annual fee.
  • Terms Apply.
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Citi® Double Cash Card

  • On Citi's Secure Website

No Annual Fee

13.99% - 23.99% Variable

Excellent

  • Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • 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.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% - 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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Hilton Honors American Express Surpass® Card

$95

15.74%-24.74% Variable

Good/Excellent

  • Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass® Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio.
  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
  • $95 annual fee.
  • Terms Apply.
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Delta SkyMiles® Platinum Card

$250

15.74% 24.74% Variable

Excellent

  • Earn 40,000 bonus miles and 5,000 Medallion Qualification Miles (MQMs) after you spend $2,000 in purchases on your new Card in your first 3 months. Plus, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • NEW! With Status Boost™, earn 10,000 MQMs after you spend $25,000 in purchases on your Card in a calendar year, up to two times per year, getting you closer to Medallion Status. MQMs are used to determine Medallion Status and are different than miles you earn toward flights.
  • NEW! Fee Credit for Global Entry or TSA Pre✓®.
  • Enjoy your first checked bag free and Main Cabin 1 Priority Boarding on Delta flights.
  • NEW! Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • NEW! Earn 2X Miles at restaurants and at U.S. supermarkets.
  • Earn 1X Miles on all other eligible purchases.
  • Enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club® for you and up to two guests when traveling on a Delta flight.
  • Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
  • No Foreign Transaction Fees.
  • $250 annual fee.
  • Terms Apply .
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These are the best credit card offers currently available. Continue below to see our top picks along with an explanation of each card's benefits and any potential things to watch out for before applying.


1. Chase Sapphire Preferred® Card

  • On Chase's Secure Website
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Credit Card Details

  • Annual fee: $95
  • Regular APR: 17.49% - 24.49% Variable
  • Sign-up bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • Credit needed: Excellent credit

Why we like it: The Chase Sapphire Preferred® Card has one of the best earning structures of any credit card on the market. Cardholders earn 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide. What makes the card special is that the points you earn are part of the Chase Ultimate Rewards program, which is considered by some to be the premier card rewards program. Within the program, users can transfer their points to 13 travel programs, ranging from United Airlines to Marriott Bonvoy hotels.

If you're thinking about applying for this card, now may be the perfect time to do so, as the card is offering a more generous sign-up bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. The offer previously stood at 50,000 points. There's no telling how long Chase will offer the current bonus.

Things to watch out for: You'll need to have excellent credit to qualify for the Chase Sapphire Preferred® Card. The card also comes with a $95 annual fee. We imagine that most people will earn enough rewards to offset that annual fee.

rewards rates for the Chase Sapphire Preferred credit card
rewards rates for the Chase Sapphire Preferred credit card

2. Discover it® Cash Back

Credit Card Details

  • Credit needed: Good or excellent credit

Why we like it: Many credit cards in the cash-back space only offer up to 1.5% cash back. Unlike those cards, the Discover it® Cash Back offers cardholders up to 5% cash back in rotating quarterly categories up to $1,500 in spending each quarter. Cardholders will have to activate the categories in their account, and any spending that falls outside of the quarterly categories will earn 1% cash back.

Another great thing about the Discover it® Cash Back is that Discover is currently matching the cash back you earn in the first year of having the card. This means, at worst, you'll earn 2% cash back on most purchases during your first year and 10% cash back on purchases in the bonus categories. No other cash-back credit cards reward users within that range. If you're interested in other cash-back options, make sure to read our in-depth guide.

Things to watch out for: There are two main things to watch out for here: category activation and the rotating calendar. Activating the 5% categories on the Discover it® Cash Back is pretty straightforward and you can do it online, but if you forget to do so, you'll only earn 1% cash back in those spending categories for the quarter. Before applying, make sure your spending aligns with the cash-back calendar; otherwise, you won't be able to maximize your cash-back rewards.

If you typically spend in different categories, consider opting for the Chase Freedom®, a similar card with a similar cash-back calendar. One thing worth noting is that Target and Walmart.com were recently added to the Discover it® Cash Back 5% cashback bonus calendar. Since they are available in the fourth quarter, this addition could help you save money on the upcoming holiday season.

5% Cash Back Bonus Schedule


January-March

  • Grocery stores

April-June

  • Gas stations
  • Uber & Lyft

July-September

  • Restaurants
  • Paypal

October-December

  • Amazon.com
  • Target & Walmart.com


3. American Express® Gold Card

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Credit Card Details

  • Annual fee: $250 ( See Rates & Fees)
  • Regular APR: N/A
  • Welcome Offer: Earn 35,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 3 months.
  • Credit needed: Excellent/Good credit

Why we like it: The American Express® Gold Card is one of the best premium cards on the market due to its high rewards-earning potential. Cardholders earn 3X Membership Rewards® points for flights booked directly with airlines or on amextravel.com and 4X points at restaurants worldwide and U.S. supermarkets (on up to $25,000 per year in purchases, then 1X).

On top of a great rewards structure, the American Express® Gold Card also offers worthwhile perks. Cardholders get a $100 airline fee credit every calendar year and a monthly $10 in statement credits when you use the card for purchases at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. When you combine the statement credits with the high points potential, it becomes obvious this is one of the best credit cards for foodies.

Things to watch out for: In the past, this card has offered a 50,000-point bonus. Right now, its offer is much lower: Earn 35,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 3 months. There's no telling whether the 50,000-point welcome bonus will come back. Regardless, the card offers a strong enough rewards structure to justify applying even with a relatively low welcome bonus.

For rates and fees of the American Express® Gold Card, click here.

rewards rates for the Amex Gold
rewards rates for the Amex Gold

4. Capital One® Venture® Rewards Credit Card

Credit Card Details

  • Annual fee: $0 intro for first year; $95 after that
  • Regular APR: 17.24% - 24.49% (Variable)
  • Sign-up bonus: Earn 50,000 Bonus Miles once you spend $3,000 on purchases within the first 3 months from account opening
  • Credit needed: Excellent/Good credit

Why we like it: With the Capital One® Venture® Rewards Credit Card, cardholders earn 2 Miles per dollar on every purchase, every day, which is great if you want a simple yet high-earning travel rewards credit card. The miles you earn with this card can be transferred to 14 travel loyalty programs, meaning you can get a higher value for your miles.

The Capital One® Venture® Rewards Credit Card is one of the only cards to offer an application fee credit for TSA Precheck/Global Entry at this price point. For reference, most other cards that offer a TSA Precheck or Global Entry voucher charge an annual fee of more than $200. Therefore, if you're already considering applying for one of those programs, then it could make sense to apply for this card and use it to apply for one of those programs.

While the transfer partners in the Capital One program still aren't as strong as those in the Chase and Amex programs, Capital One continues to add partners to the list, including the recent addition of two hotel partners — Accor ALL and Wyndham Rewards.

Also, in case you want to redeem miles for something besides travel for the short term, Capital One is allowing cardholders to redeem them for food delivery, takeout and streaming services for a limited time (offer expires June 30).

Things to watch out for: There aren't many downsides with this card, especially if you plan to redeem your miles for travel. That said, if you're interested in cashback rewards, we would suggest a different card. When you redeem miles for cash using the Capital One® Venture® Rewards Credit Card, they may be less valuable.


5. Chase Sapphire Reserve®

  • On Chase's Secure Website
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Credit Card Details

  • Annual fee: $550
  • Regular APR: 16.99%-23.99% Variable
  • Sign-up bonus: Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • Credit needed: Excellent credit

Why we like it: Hands down, the Chase Sapphire Reserve® is one of the most talked-about cards among travel rewards enthusiasts — and for good reason. The Chase Sapphire Reserve® offers 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. The 3 points on travel applies after earning the entire $300 travel credit. Currently, it offers the following sign-up bonus: Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Points carry 50% value when redeemed through the Chase Ultimate Rewards portal, meaning the sign-up bonus can be worth $750 when redeemed for travel.

The Chase Sapphire Reserve® also grants cardholders access to Priority Pass airport lounges. It's worth noting that many recent travelers have complained about lounges rejecting them due to capacity constraints, so we wouldn't recommend this card if you're primarily interested in lounge access. The best reason to get this card is if you want to transfer miles to airline or hotel partners and maximize the value of your points.

Things to watch out for: There's no denying that a $550 annual fee is hard to swallow. To make matters worse, the $550 will be due with your first billing statement. But if you typically spend at least $300 in travel per year, then the card's annual fee is effectively $250. Also, the card offers up to $60 in credits toward DoorDash (and a free membership) each year. If you make frequent use of food delivery, you could potentially lower the fee to $190. Still, while the Chase Sapphire Reserve® definitely offers a lot of value, it's still one of the highest annual fees around.


6. Chase Freedom Unlimited®

Credit Card Details

  • Annual fee: $0
  • Regular APR: 16.49% - 25.24% Variable
  • Sign-up bonus: $200 cash back after you spend $500 on purchases in your first 3 months from account opening
  • Credit needed: Excellent/Good credit

Why we like it: The worst cash-back rate you can earn with the Chase Freedom Unlimited® is 1.5%, which is in line with some of the best cash-back cards. The card doesn't have categories to activate, making it ideal for someone who just wants a flat-out competitive rate but doesn't want to think about rotating categories. Plus, the card is offering a 0% intro APR on purchases and balance transfers for 15 months, making it ideal for financing a pricey purchase or paying off a balance on another high-interest card for more than a year before the regular APR kicks in.

Things to watch out for: The most disappointing feature about the Chase Freedom Unlimited® is that it doesn't offer a bigger sign-up bonus. Most no-annual-fee cash-back cards offer enticing bonuses that can be worth up to $300. Regardless, the card offers a decent sign-up bonus: $200 cash back after you spend $500 on purchases in your first 3 months from account opening


7. Citi Simplicity® Card - No Late Fees Ever

Credit Card Details

  • Annual fee: $0
  • Regular APR: 14.74% - 24.74% (Variable)
  • Sign-up bonus: N/A
  • Credit needed: Excellent/Good credit

Why we like it: The Citi Simplicity® Card - No Late Fees Ever is one of the best options for anyone looking to pay down existing credit card debt. That's because the card comes with a 0% intro APR on purchases for 12 months from date of account opening and 0% intro APR on balance transfers for 21 months from date of first transfer. After the intro period, your APR will be 14.74% - 24.74% (Variable), depending on your creditworthiness. The intro offer on this card is one of the most competitive balance transfer offers that we've seen.

Things to watch out for: While the card does come with a 0% intro APR on balance transfers, there's also a balance transfer fee of 5% of each balance transfer; $5 minimum on each transfer. While some balance transfer cards don’t charge this fee, their introductory periods are typically much shorter than 21 months. Despite the balance transfer fee, most people will come out ahead if they save enough on interest costs.


8. Capital One® QuicksilverOne® Cash Rewards Credit Card

Credit Card Details

  • Annual fee: $39
  • Regular APR: 26.99% (Variable)
  • Sign-up bonus: N/A
  • Credit needed: Average/Fair/Limited credit

Why we like it: The Capital One® QuicksilverOne® Cash Rewards Credit Card is one of the few great cards available to those with a fair or average credit score. We consider it among the best cards because it offers a strong 1.5% Cash Back on every purchase, every day, when most competitors typically provide meager cash-back rates and charge high fees for people with low credit scores.

Things to watch out for: Don't confuse this card with the significantly better Capital One® Quicksilver® Cash Rewards Credit Card. The two have similar names, but the Capital One® Quicksilver® Cash Rewards Credit Card is only available to those with excellent credit. If your credit score improves with the Capital One® QuicksilverOne® Cash Rewards Credit Card, we suggest you upgrade your card to take advantage of the sizable cash-back bonus and $39 annual fee.


9. Citi® Double Cash Card – 18 month BT offer

  • On Citi's Secure Website
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Credit Card Details

  • Annual fee: $0
  • Regular APR: N/A, then a 15.49% - 25.49% (Variable) APR applies
  • Sign-up bonus: N/A
  • Credit needed: Excellent/Good credit

Why we like it: The Citi® Double Cash Card – 18 month BT offer is our top pick for users who simply want a highly rewarding card that doesn't require much additional thought. That's because the Citi® Double Cash Card – 18 month BT offer offers Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay. While other cards can get you higher cash-back rates, they require you to keep track of rotating categories.

Things to watch out for: There are two main drawbacks to the Citi® Double Cash Card – 18 month BT offer: It charges a foreign transaction fee and doesn't offer a sign-up bonus. Most other cash-back cards offer cardholders the opportunity to earn sign-up bonuses ranging from $150 to $300 for meeting certain spending requirements. Unfortunately, that's not the case with the Citi® Double Cash Card – 18 month BT offer. Furthermore, you'll pay a 3% foreign transaction fee anytime you use the card while abroad. If you can get over those hiccups, then the Citi® Double Cash Card – 18 month BT offer can prove one of the best cash-back credit cards on the market.


10. Amazon Prime Rewards Visa Signature Card

Credit Card Details

  • Annual fee: No Annual Fee
  • Regular APR: 15.74% - 23.74% Variable
  • Sign-up bonus: $70 gift card upon approval
  • Credit needed: Good or excellent credit

Why we like it: The Amazon Prime Rewards Visa Signature Card is a winner for Prime loyalists. This card can't be beat with a year-round rate of unlimited 5% back on Amazon.com and Whole Foods, plus 2% on restaurants, gas stations and drugstores and 1% on everything else. For comparison, the other cards that earn bonus rewards on Amazon purchases limit them to one quarter per year with a spending cap of $1,500. In addition, this is a great card for travel as it charges zero foreign transaction fees.

While the card has no annual fee, you do have to be a Prime member ($119 a year or $59 for students). If you're not currently a Prime subscriber, this would be a great time to take the leap; one-day shipping and 5% on all purchases with the Amazon Prime Rewards Visa Signature Card is competitive with any other retail offer available.

Things to watch out for: Compared to other top no-fee options, the Amazon gift card sign-up bonus is just average. Regardless, the ongoing spending rewards you'll get with this card far outweigh the weak welcome offer if you’re a regular Amazon Prime shopper. Consider that you'll get more than $400 cash back per year if you spend $500 at Amazon and Whole Foods per month, $500 at restaurants, gas stations and drugstores per month and $300 on other purchases per month.


11. Blue Cash Preferred® Card from American Express

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Credit Card Details

  • Annual fee: $95 (See Rates & Fees)
  • Regular APR: 12.99%-23.99% Variable
  • Welcome offer: Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • Credit needed: Excellent/Good credit

Why we like it: The Blue Cash Preferred® Card from American Express is one of the best cards for shopping at U.S. supermarkets. The card offers 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations and 1% Cash Back on other purchases.

In addition to a strong rewards rate at U.S. supermarkets, the card offers 3% cash back at U.S. gas stations, 6% cash back on select U.S. streaming subscriptions, 3% cash back on transit including taxis/rideshare, parking, tolls, trains, buses and more, and 1% cash back on all other purchases. While the card does charge an annual fee, we suspect most users will earn enough cash back rewards to offset the cost.

Things to watch out for: There's not much to dislike about the Blue Cash Preferred® Card from American Express. If we were forced to nitpick, we'd say the welcome offer could be stronger for a card with an annual fee. Still, this is one of the best cards around for earning cash-back rewards, specifically if you spend a lot at U.S. supermarkets, streaming services, tolls and gas stations.

For rates and fees on the Blue Cash Preferred® Card from American Express, click here.

12. Hilton Honors American Express Surpass® Card

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Credit Card Details

  • Annual fee: $95 (See Rates & Fees)
  • Regular APR: 15.74%-24.74% Variable
  • Welcome offer: Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass® Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.
  • Credit needed: Excellent/Good credit

Why we like it: Even when you consider the inflated value of Hilton points, the Hilton Honors American Express Surpass® Card lets you earn points at a really quick pace. You earn an amazing 12 points per dollar on Hilton purchases and a generous 6 points per dollar on U.S. restaurant, U.S. supermarket and U.S. gas station purchases. Other valuable card features include an annual free weekend night certificate and automatic gold status with Hilton, which entitles you to valuable benefits such as free room upgrades.

Things to watch out for: Before you sign up for the card, make sure you're familiar with the quirks of the Hilton rewards program. Hilton offers an expansive network of hotels, so you'll likely find a good redemption for your points, but reward room availability can sometimes be limited, points values are inflated and, unlike a flexible points card such as the Chase Sapphire Preferred® Card, you're locked in to using your points for Hilton rewards.

For rates and fees on the Hilton Honors American Express Surpass® Card, click here.

13. Delta SkyMiles® Platinum Card

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Credit Card Details

  • Annual fee: $250
  • Regular APR: 15.74% 24.74% Variable
  • Welcome offer: 40,000 bonus miles and 5,000 Medallion Qualification Miles (MQMs) after you spend $2,000 in purchases on your new Card in your first 3 months. Plus, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months
  • Credit needed: Excellent credit

Why we like it: For a $250 annual fee, the Delta Platinum card review packs a lot of value. Its foremost benefit is its annual companion certificate, which allows you to bring along a friend or family member on a Delta flight for just the taxes and fees. It also has a great new Status boost feature, which allows you to get closer to earning Delta elite status just by spending on the card. Other benefits for Delta flyers include a free checked bag and priority boarding on Delta flights.

Things to watch out for: We are not impressed with the card's lounge access feature. The card gives you a discounted price of $39 for accessing Delta Skyclub lounges — that's only $11 off the price. If you're interested in lounge access, you should consider getting complimentary access through the Delta SkyMiles® Reserve American Express Card.


Summary of the Best Credit Cards of 2020


Honorable Mentions: More of the Best Credit Cards of 2020

Credit Card Details

  • Annual fee: $0 (See Rates & Fees)
  • Regular APR: 12.99%-23.99% Variable
  • Welcome offer: $150 statement credit after you spend $1,000 in purchases within the first 3 months of Card Membership
  • Credit needed: Excellent/Good credit

American Express Cash Magnet® Card – $150 Welcome Offer

Why we like it: The Amex Cash Magnet review is a flat-rate card that lets you earn 1.5% cash back on every purchase. If you're looking for the simplest rewards card from American Express, this card is the way to go. It also pairs nicely with other Amex cards — including the Blue Cash Preferred® Card from American Express — to help you boost your cashback earning rate.

Why it missed our list: There's a slew of cards that offer 1.5% cash back. There's not much to distinguish the American Express Cash Magnet® Card – $150 Welcome Offer from the pack.

Credit Card Details

  • Annual fee: No Annual Fee
  • Regular APR: 16.24% - 26.24% Variable
  • Sign-up bonus: $200 after making at least $1,000 in purchases in the first 90 days of your account opening
  • Credit needed: Good or excellent credit

Bank of America® Cash Rewards credit card

Why we like it: The Bank of America® Cash Rewards credit card is one of the most robust cash-back rewards cards that's available. You'll earn 3% cash back on a category of your choice, 2% cash back at grocery stores and wholesale clubs, and 1% cash back everywhere else. The 3% and 2% cash-back rates are restricted to the first $2,500 you spend in the category of your choice and at grocery stores and wholesale clubs combined every quarter. After that, you'll earn 1% cash back in these categories until the next quarter begins.

Why it missed our list: While the cash-back rewards are quite high, the $2,500 spending cap is actually quite low. For example, assuming you maxed out the $2,500 limit in the 3% category, you would only earn $75 in cash back rewards every quarter. Some readers may fare better with a simpler card, like the Citi® Double Cash Card – 18 month BT offer, which offers 2% cash back on all purchases with no spending cap.

Here are your choices for the 3% category:

  • Gas
  • Online shopping
  • Dining
  • Travel
  • Drugstores
  • Home improvement/furnishings

Credit Card Details

  • Annual fee: $0 intro for first year; $95 after that
  • Regular APR: 15.99% - 24.99% (Variable)
  • Sign-up bonus: Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening.
  • Credit needed: Excellent/Good credit

Capital One® Savor® Cash Rewards Credit Card

Why we like it: The Capital One® Savor® Cash Rewards Credit Card offers 4% Cash Back on dining; 4% Cash Back on entertainment; 2% Cash Back at grocery stores; 1% Cash Back on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020. Making it a premier cash-back credit card. On top of that, the card doesn't charge users a foreign transaction fee, so you’ll earn competitive rewards abroad without paying extra.

Why it missed our list: This card charges an annual fee of $0 intro for first year; $95 after that. To get the most out of this card, you'll have to be sure your budget constantly hits certain categories, like dining, entertainment and grocery expenses.

FAQs About Credit Cards

Before you apply for any credit card, we always recommend you research and compare options. Below are some questions many of our readers have about credit cards.

1. What are the easiest credit cards to get approved for?

The easiest credit cards to get approved for are usually secured cards or credit cards geared toward people with no or limited credit histories. Secured credit card holders pay a deposit upfront, which acts as the credit line and protects the card issuer in case the cardholder defaults. Below, we provide our thoughts on the best credit cards for people with no or limited credit.

2. What is a good number of credit cards to have?

There's no rule of thumb for how many credit cards you should have. The average person has 3.1 credit cards, but you should focus on how you use and manage them. You can have a great credit score whether you have one or a dozen credit cards.

3. How do I compare credit cards?

The best way to compare credit cards is to consider the rewards, benefits and costs of each card. To help readers in their search for a credit card, our team developed a credit card comparison tool. It shows the rewards you stand to earn with each card over a two-year period. It's also fully customizable to your spending. You can use the tool here.

4. Which credit cards give the best travel rewards?

The Chase Sapphire Preferred® Card and the American Express® Gold Card are the best travel rewards cards for most people. With the Chase Sapphire Preferred® Card, you'll earn 2x Ultimate Rewards points per dollar on dining and travel. With the American Express® Gold Card, you'll earn 4x Membership Rewards points on U.S. restaurant and supermarket purchases and 3x points on flights booked directly with airlines. The Chase Ultimate Rewards program and American Express Membership Rewards program both allow you to transfer your rewards to numerous travel loyalty programs, which is why these cards provide outsized value.

5. Are points credit cards worth it?

Points are worth it for responsible credit cardholders who pay their bill on time every month and don't rack up interest charges. Earning points is a great way to get free rewards on your everyday spending, but it shouldn't cause you to go into debt. It's important to note that you should only open a card with an annual fee if the benefits and points-earning potential make it worth it for you.

6. What is the best Visa credit card?

Both Visa and Mastercard are widely accepted around the world, so you shouldn't choose your credit card based on the network it operates on. However, Visa is the card network for a host of options on this list, including the Chase Sapphire Preferred® Card, Uber Visa Card and Chase Sapphire Reserve®. For most people, we recommend the Chase Sapphire Preferred® Card, which comes with a moderate annual fee of $95, and the following welcome bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. It also earns 2x points on dining and travel purchases.

7. What is the best Mastercard credit card?

While credit card networks aren't all that important due to Mastercard and Visa's widespread acceptance, you may still want a card on a specific network for a certain benefit. If you're looking for a Mastercard, we recommend the Citi® Double Cash Card – 18 month BT offer. This card provides an effective 2% back on every purchase (1% when you make a purchase and 1% when you pay your bill) and comes with no annual fee.

The information related to the Chase Freedom Unlimited®, Citi Simplicity® Card - No Late Fees Ever, Amazon Prime Rewards Visa Signature Card, and Chase Freedom® have been independently collected by ValuePenguin and have not been reviewed or provided by the issuer of this card prior to publication.

Yowana is a former product analyst at ValuePenguin, specializing in credit cards, rewards programs and travel. He previously covered mortgages, banking and insurance for the website. Yowana graduated from Columbia University with a B.A. in Political Science.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).