FinanceBuzz's

Best Credit Cards of 2020

Looking for the perfect credit card? Whether you are looking for travel cards, cash back cards, or small business credit cards, we have the best offers for this month.

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Best Travel Cards

Special Offer

Earn 60,000 points after spending $4,000 on purchases in the first 3 months

Why We Like It

If you love to travel, the Chase Sapphire Preferred card may be an excellent match for you. It’s one of the most popular travel credit cards available, offering a generous sign-up bonus for new cardmembers, premium travel benefits, and a strong rewards program.

With the Chase Sapphire Preferred card, you’ll earn 2X points per $1 spent on dining and travel and 1 point per $1 spent on all other purchases.

If you redeem your points for travel through Chase Ultimate Rewards, your points are worth 25% more, helping you get more value for your points. You can book hotel stays, airfare, and even cruises with your points.

Credit Needed: Good - Excellent

Special Offer

Earn 60,000 points after spending $5,000 in the first 3 months

Why We Like It

If you want a premium rewards card with deluxe travel perks, consider the Platinum Card from American Express. With a generous welcome offer, high rewards rate on eligible purchases, and upscale travel experiences, this card can enhance and streamline your next trip.

The Platinum Card from American Express allows you to earn 5X points per $1 spent on flights and prepaid hotels booked through AmexTravel.com.

The card offers a number of perks to justify its annual fee including up to $200 per year in statement credits for Uber and up to $200 in statement credits for airline fees each year.

You'll also gain access to more than 1,200 airport lounges in over 130 countries through the American Express Global Lounge Collection. You'll also automatically earn Gold Status with the Marriott Bonvoy and Hilton Honors programs.

Credit Needed: Good - Excellent

Special Offer

Earn 50,000 points after spending $4,000 on purchases in the first 3 months

Why We Like It

The Chase Sapphire Reserve is top-rated credit card for frequent travelers who can take advantage of its generous travel benefits and high point-earning potential. 

Card benefits include a $300 annual travel credit, primary rental car insurance, Priority Pass lounge access, reimbursement for TSA PreCheck or Global Entry, and more. 

Earn 3X points on travel, and at restaurants & 1 point per $1 spent on everything else. Cardmembers receive 50% more value when redeeming rewards for travel through the Chase Ultimate Rewards portal. For example, 50,000 points are worth $750 toward travel.

Credit Needed: Excellent

Special Offer

Earn 75,000 points after spending $3,000 in the first 3 months

Why We Like It

The Marriott Bonvoy Boundless is a good travel credit card for rewards card beginners. It offers a valuable sign-up bonus, higher rewards on Marriott Bonvoy hotel stays, and you can earn free night stays.

When you use the Marriott Bonvoy Boundless Visa Signature card, you’ll earn 6X points per $1 spent at participating Marriott Bonvoy hotels and 2X points per $1 spent on all other purchases. You can redeem your points for hotel stays at Marriott resorts, including Ritz-Carlton, JW Marriott, Gaylord Hotels, Le Meridien, Aloft, and Four Points hotels.

Every year after your account anniversary, you’ll enjoy a free night award at an eligible Marriott resort.

Credit Needed: Good - Excellent

Special Offer

Earn 35,000 Membership Rewards points after you make $4,000 in purchases within the first 3 months

Why We Like It

The American Express Gold Card is a great rewards card option if you have good to excellent credit and love dining out.

You’ll earn 4X points per $1 spent at restaurants and U.S. supermarkets on up to $25,000 spent per year. You can even enjoy monthly dining credits at GrubHub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations, giving you an annual savings up to $120. For foodies, that’s a nice way to enjoy free food.

Travelers can earn 3X points per $1 spent on flights booked directly with airlines or on Amextravel.com. You'll also get a $100 airline credit to cover incidental fees. Terms apply.

Credit Needed: Good - Excellent

Special Offer

Earn 40,000 points after you spend $1,000 in the first 3 months

Why We Like It

The Southwest Airlines Rapid Rewards Plus card is an excellent travel rewards card for travelers who prefer to fly on Southwest Airlines. It does have a sign-up bonus for new cardmembers, and cardmembers can earn bonus points after each cardmember anniversary.

With the Southwest Airlines Rapid Rewards Plus card, you’ll earn 2X points per $1 spent on Southwest purchases, and 1 point per $1 spent on all other purchases. There’s no limit to how many points you can earn, and your points don’t expire as long as your account is in good standing.

Every year on your cardmember anniversary, you’ll earn 3,000 bonus points.

Credit Needed: Good - Excellent

Special Offer

Earn 40,000 points after you spend $1,000 on purchases in the first 3 months

Why We Like It

The Southwest Rapid Rewards Priority Card is best for frequent travelers who are devotees of Southwest Airlines. It has a generous sign-up bonus for new cardmembers, rewards on Southwest purchases, and extra travel perks and benefits.

As a cardmember, you’ll earn 2X points per $1 spent on Southwest Airlines purchase and 1 point per $1 spent on all other purchases.

With the Southwest Rapid Rewards Priority Card, you’ll earn 7,500 points every year after your cardmember anniversary. These points you earn can help you qualify for a Southwest Companion Pass.

Credit Needed: Good - Excellent

Special Offer

Earn 60,000 bonus miles after spending $3,000 in the first 3 months

Why We Like It

If you travel often and primarily fly on United, the United Explorer card can be a solid travel credit card. It has a generous signup bonus, extra rewards on United flights, and some useful travel benefits to make your next flight a more pleasant experience.

With this card, you’ll earn 2X miles per $1 spent on United purchases, restaurants, and hotel stays. You’ll also get 1 mile per $1 spent on all other purchases.

Every year, you’ll get two one-time passes to United Club lounges around the country — a $100 value. On inflight purchases of food, beverages, or WiFi, you’ll get 25% back when you use your United Explorer card to complete the transaction. And, you’ll get a free standard checked bag for both you and a companion when you use your card to make your reservation.

Credit Needed: Good - Excellent

Special Offer

Earn 60,000 points after spending $2,000 in the first 3 months

Why We Like It

The IHG Rewards Club Traveler Card is a great option for those who like to stay with IHG brands like Holiday Inn, Kimpton, and Intercontinental.

Frequent travelers can take advantage of the fourth night free reward and 15X points at IHG hotels.

Plus, earn 2x points at gas stations, grocery stores, and restaurants and 1x on everything else.

Credit Needed: Good - Excellent

Special Offer

Earn up to 50,000 Bonus Points: 25,000 after spending $3,000 in the first 3 months, plus an additional 25,000 after spending a total of $6,000 in the first 6 months

Why We Like It

If you travel and stay at Hyatt a few times a year, the World of Hyatt credit card could be a good match for you. It has a generous sign-up bonus, a high rewards rate on Hyatt hotel stays, and you can earn free nights.

This card offers serious rewards. You’ll get 9X points per $1 spent on Hyatt purchases. You’ll earn 2X points per $1 spent on transportation, dining out, airline tickets purchases directly from airlines, and fitness club and gym memberships.

Free nights at Hyatt hotels start at just 5,000 points, so you can quickly earn enough points to get a free night.

In addition, you’ll get a free night at a Hyatt Category 1-4 resort each year you’re a World of Hyatt cardmember. If you spend at least $15,000 per year with your credit card, you’ll get another free night certificate.

Credit Needed: Good - Excellent

Special Offer

Earn 60,000 bonus miles after you spend $2,000 on purchases in the first 3 months, plus earn an additional 10,000 bonus miles after your first cardholder anniversary (offer expires 4/1/20)

Why We Like It

The Gold Delta SkyMiles Credit Card from American Express is a solid travel rewards card for Delta flyers. Cardmembers enjoy benefits such as priority boarding and first checked bag free on Delta flights.

Earn 2X miles on purchases made directly with Delta, at restaurants, and at U.S supermarkets, and 1 mile per $1 spent on all other eligible purchases. Terms apply.

Credit Needed: Good - Excellent

Best Balance Transfer Cards

Special Offer

Earn a $150 cash back bonus after spending $500 in the first 3 months

Why We Like It

With no annual fee, the Chase Freedom Unlimited card is a powerful rewards credit card. It has an easy-to-earn signup bonus for new cardmembers, and a simple rewards structure.

It’s best for people who want a simple rewards card to use for all of their routine purchases instead of juggling multiple credit cards. You’ll earn a flat 1.5% cash back on every purchase.

The Chase Freedom Unlimited card is a great choice if you’re planning on making a major purchase or if you have high-interest credit card debt. It has an introductory 0% APR offer for 15 months after account opening on purchases and balance transfers, giving you over a year to pay down your balance without paying interest charges.

Credit Needed: Good - Excellent

Special Offer

$150 cash back bonus after spending $500 in the first 3 months

Why We Like It

If you want a powerhouse cash back rewards card that has no annual fee, consider the Chase Freedom card. It has an easy-to-earn signup bonus for new cardmembers, and you can maximize your rewards by taking advantage of rotating spending categories.

You can earn up to 5% cash back on up to $1,500 spent each quarter, giving you a higher return than if you used a cash back card with a flat rewards rate. In the past, spending categories have included gas stations, drugstores, grocery stores, streaming services, department stores, and PayPal purchases.

The Chase Freedom card offers 0% APR on purchases and balances transfers for 15 months after account opening, giving you 15 months to pay down your balance without worrying about interest charges.

Credit Needed: Good - Excellent

Citi Simplicity Card

Special Offer

Get 0% introductory APR on balance transfers for 21 months and purchases for 12 months

Why We Like It

The Citi Simplicity Card is a great option for anyone who is looking for a long introductory APR period. Cardholders can enjoy a 0% Introductory APR on balance transfers for 21 months and on purchases for 12 months.

Cardholders also don't need to worry about fees: There are no late, penalty, or annual fees with this no-frills, high-impact card.

Credit Needed: Good - Excellent

Citi Double Cash Card

Special Offer

Earn cash back twice: 1% when you buy + 1% when you pay

Why We Like It

The Citi Double Cash Card lets you earn cash back twice. Earn 2% cash back on all purchases: 1% when you buy plus 1% when you pay. To earn cash back, just be sure to pay at least the minimum due on time.

In addition to unlimited cash back on all your purchases with no confusing categories, this card also offers a 0% introductory APR on balance transfers for 18 months and no annual fee.


Credit Needed: Good - Excellent

Best Cash Back Cards

Special Offer

Earn a $150 cash back bonus after spending $500 in the first 3 months

Why We Like It

With no annual fee, the Chase Freedom Unlimited card is a powerful rewards credit card. It has an easy-to-earn signup bonus for new cardmembers, and a simple rewards structure.

It’s best for people who want a simple rewards card to use for all of their routine purchases instead of juggling multiple credit cards. You’ll earn a flat 1.5% cash back on every purchase.

The Chase Freedom Unlimited card is a great choice if you’re planning on making a major purchase or if you have high-interest credit card debt. It has an introductory 0% APR offer for 15 months after account opening on purchases and balance transfers, giving you over a year to pay down your balance without paying interest charges.

Credit Needed: Good - Excellent

Special Offer

$150 cash back bonus after spending $500 in the first 3 months

Why We Like It

If you want a powerhouse cash back rewards card that has no annual fee, consider the Chase Freedom card. It has an easy-to-earn signup bonus for new cardmembers, and you can maximize your rewards by taking advantage of rotating spending categories.

You can earn up to 5% cash back on up to $1,500 spent each quarter, giving you a higher return than if you used a cash back card with a flat rewards rate. In the past, spending categories have included gas stations, drugstores, grocery stores, streaming services, department stores, and PayPal purchases.

The Chase Freedom card offers 0% APR on purchases and balances transfers for 15 months after account opening, giving you 15 months to pay down your balance without worrying about interest charges.

Credit Needed: Good - Excellent

Special Offer

Earn a $250 statement credit after spending $1,000 on purchases in the first 3 months

Why We Like It

If you’re looking for a powerful rewards card, the Blue Cash Preferred Card from American Express allows you to earn up to a whopping 6% cash back in select categories.

You’ll earn 6% cash back on the first $6,000 you spend at U.S. supermarkets and on U.S. streaming services and 3% cash back at U.S. gas stations and on transit expenses, including taxi fares, rideshare costs, and train tickets.

The card does have a generous welcome offer, and you’ll get 0% APR for 12 months on purchases and balance transfers. That offer gives you a full year to finance a major purchase or pay down high-interest debt without paying interest charges, helping you save money. Terms apply.

Credit Needed: Good - Excellent

Special Offer

Earn $150 cash back after spending $1,000 in the first 3 months

Why We Like It

If you have good to excellent credit and want a rewards credit card that allows you to earn valuable cash back on your most common purchases, the Blue Cash Everyday Card from American Express may be a good match for you.

You’ll earn 3% cash back at U.S. supermarkets on up to $6,000 spent per year, 2% at U.S. gas stations and select department stores, and 1% cash back on all other purchases. There’s also an easy-to-earn welcome bonus, a nice perk for a card that has no annual fee.

But one of the card’s best perks is its introductory APR. You’ll get 0% APR on new purchases and balance transfers for 15 months, giving you over a year before you have to worry about paying interest charges. Terms apply.

Credit Needed: Good - Excellent

Citi Double Cash Card

Special Offer

Earn cash back twice: 1% when you buy + 1% when you pay

Why We Like It

The Citi Double Cash Card lets you earn cash back twice. Earn 2% cash back on all purchases: 1% when you buy plus 1% when you pay. To earn cash back, just be sure to pay at least the minimum due on time.

In addition to unlimited cash back on all your purchases with no confusing categories, this card also offers a 0% introductory APR on balance transfers for 18 months and no annual fee.


Credit Needed: Good - Excellent

Best Building Credit Cards

Petal Cash Back Visa Card

Special Offer

Earn up to 1.5% cash back on purchases with no annual fees, late payment fees, or foreign transaction fees

Why We Like It

The Petal Cash Back Visa is a great option for anyone looking to build credit while earning rewards. Petal is one of the only cards you can get without a credit history or an upfront deposit.

You can earn up to 1.5% cash back on purchases. Plus, there's no annual fees, late payment fees, or foreign transaction fees.

Credit Needed: Fair

Citi Rewards+ Student Card

Special Offer

Earn 2,500 bonus points after $500 in purchases in the first 3 months

Why We Like It

The Citi Rewards+ Student Card is a great choice for students looking to build their credit while earning valuable rewards. Students can not only earn a sign-up bonus, but also 2X ThankYou Points at supermarkets and gas stations and 1X points on all other purchases.

This card is great for smaller purchases because points are rounded up to the nearest 10 points on every purchase. That $4 cup of coffee will earn 10 points. Plus, there's no annual fee. 

Credit Needed: Good

Best Business Cards

Special Offer

Earn 100,000 points after spending $15,000 in the first 3 months

Why We Like It

For business owners looking for a rewards card with premium benefits, the Ink Business Preferred card is a standout option. It has a lucrative sign-up bonus, valuable rewards program, and flexible redemption options.

With this card, you’ll earn 3X points per $1 spent on up to travel, shipping purchases, internet, cable, and phone services, and advertising purchases made on social media sites and search engines — up to $150,000 in combined spending each year.

It also has comprehensive travel benefits, including trip cancellation and interruption insurance, primary car rental insurance, and cell phone protection.

Credit Needed: Good - Excellent

Special Offer

Earn $500 bonus cash back after spending $3,000 in the first 3 months

Why We Like It

If you’re a freelancer, independent contractor, or small business owner in need of a business credit card that offers valuable rewards, consider the Ink Business Cash card. It has no annual fee, a valuable sign-up bonus for new cardmembers, and rewards for common business purchases.

You don’t even need an Employer Identification Number (EIN) to apply; sole proprietors and people who run side hustles can take advantage of this card’s benefits, too.

With the Ink Business Cash card, you’ll earn 5% cash back at office supply stores and on internet, cable, and phone services — up to $25,000 spent combined each year. You’ll also earn 2% cash back at gas stations and restaurants, on up to $25,000 spent combined each year.

Credit Needed: Good - Excellent

Special Offer

Earn $500 cash back after spending $3,000 in the first 3 months

Why We Like It

The Chase Ink Business Unlimited card is best for business owners who want a simple, easy-to-use rewards card. It has an easy-to-earn signup bonus, a flat rewards structure on all purchases, and an introductory APR offer on purchases that can help you save money. And, there’s no annual fee.

You’ll earn a flat 1.5% cash back on every purchase you make, with no limit on how much you can earn.

If you have a major purchase coming up for your business, you can take advantage of this card’s 0% introductory APR. You’ll get 0% APR on purchases for 12 months after account opening, giving you a full year to pay down your balance without paying interest charges.

Credit Needed: Good - Excellent

Special Offer

Earn 75,000 Membership Rewards points after you spend $15,000 on purchases within the first 3 months

Why We Like It

The Business Platinum Card from American Express is best for business owners looking for a rewards card with premium benefits. If you make major purchases throughout the year and travel often, the card can be very useful to you and your business.

It has a lucrative welcome bonus for new cardmembers and generous rewards. You’ll earn 5X points per $1 spent on travel booked through AmexTravel.com. On all other spending, you’ll get 1 point per $1 spent. However, on large purchases — $5,000 or more — you receive 1.5X points per $1 spent, up to one million extra points per year.

You’ll get Centurion Lounge access at airports, as well as access to the American Express Global Lounge Collection, Delta Sky Club, and Priority Pass Select. Each year, you’ll get up to $200 in airline credits to reimburse you for fees paid to an airline of your choice. Terms apply.

Credit Needed: Good - Excellent

Special Offer

Earn 35,000 Membership Rewards points after spending $5,000 in the first 3 months

Why We Like It

If you’re a business owner looking for a rewards credit card that offers great travel benefits, the American Express Business Gold Card is a good choice for you.

It has a robust welcome offer for new cardmembers, you can earn valuable rewards on some of your most common business expenses. You’ll earn 4X points per $1 spent on two categories where your business spends the most money.

If you travel often for work, this card is an excellent addition to your wallet. When you book your flight with American Express Travel with your Membership Rewards Points, you’ll get 25% of those points back. Terms apply.

Credit Needed: Good - Excellent

Special Offer

0% introductory APR on purchases and balance transfers for 12 months

Why We Like It

The Blue Business Plus Credit Card from American Express offers great rewards and earning incentives on business-related purchases with no annual fee. 

Cardmembers can create employee cards, designate an account manager, and receive a complete year-end summary each year. 

Earn 2X Membership Rewards points on everyday business purchases up to $50,000 each year, and 1X points on purchases thereafter. Terms apply.

Credit Needed: Good - Excellent

Special Offer

Earn up to 100,000 points: 70,000 points after you spend $5,000 in the first 3 months; plus, another 30,000 points after you spend $25,000 in the first 6 months

Why We Like It

The Southwest Airlines Rapid Rewards Performance Business card is a good credit card for budget-conscious business owners who travel often for work, and who prefer to fly on Southwest Airlines.

The card offers a large sign-up bonus for new cardmembers, a high rewards rate on Southwest Airlines purchases, and extra perks to enhance your travel experience.

Every year on your cardmember anniversary you’ll receive 9,000 bonus points. This bonus can help you earn Southwest A-list status and a Companion Pass. Each year, you can also take advantage of four upgraded boardings, when available.

Credit Needed: Good - Excellent

Special Offer

Earn 125,000 Hilton Honors Bonus Points after spending $3,000 in the first 3 months

Why We Like It

The Hilton Honors American Express Business Card is a highly regarded hotel rewards credit card offering generous benefits for business travelers.

Cardmembers receive complimentary Hilton Honors Gold Status, qualifying them for an 80% bonus on all Base Points, space-available room upgrades, free weekend night rewards each year, and more.

Earn 12X Hilton Honors Bonus Points per dollar spent directly with an eligible hotel or resorts in the Hilton Honors portfolio of brands, 6X points on select business and travel purchases, and 3X points on everything else. Terms apply.

Credit Needed: Good - Excellent

Special Offer

30,000 Brex Rewards points upon sign-up

Why We Like It

Brex for Startups is a great option for business owners who have at least $100,000 in their business bank account and are looking for a business card that doesn't require a personal credit check or security deposit.

Cardholders enjoy 7X points on rideshare purchases, 4X points on Brex Travel, 3X points on restaurants, 2X points on software subscriptions, and 1X points on all other purchases. All this with no annual fee and no foreign transaction fees.