ADVERTISEMENT: Products from our partners

Make all the right money moves.

Play your cards right. With NerdWallet, you can find expert advice, helpful tools and easy-to-read reviews of credit cards, banks and more.

Summary of Standout Credit Cards in 2020

Compare these offers from our partners, to find the one for you.
  • Citi® Diamond Preferred® Card - Great for: Long 0% interest periods for balance transfers
  • Citi® Double Cash Card - 18 months BT offer - Great for: Flat Rate Cash Back
  • Discover it® Cash Back - Great for: Bonus Categories and First Year Cashback Match
  • Discover It® Chrome - Great for: Intro APR period with No Annual Fee
  • Discover It® Student Cash Back - Great for: Cash Rewards for Students and Credit Newbies
  • Discover It® Miles - Great for: Flat-Rate Travel Rewards with Miles Match
  • Chase Freedom Unlimited® - Great for: Cash-Back Paring with Chase Sapphire Preferred®
  • Chase Sapphire Preferred® Card - Great for: Airline Miles and a Large Bonus
  • Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® - Great for: Frequent American Fliers
  • [object Object] card art

    on Citibank's application

    Great for: Long 0% interest periods for balance transfers

    Securely with Citibank

    • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
    • Get free access to your FICO® Score online.
    • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
    • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
    • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
    See card details

    • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
    See card details

    Annual Fee

    $0

    Bonus Value

    None

    Intro Purchase APR

    0% for 18 Months

    Ongoing APR

    14.74% - 24.74% Variable APR

    Recommended Credit Score

    720 - 850

    Excellent - Excellent
    See NerdWallet's pros & cons

    [object Object] card art

    on Citibank's application

    Great for: Flat Rate Cash Back

    Securely with Citibank

    • 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.
    See card details

    • 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.
    See card details

    Annual Fee

    $0

    Bonus Value

    None

    Intro Purchase APR

    n/a

    Ongoing APR

    13.99% - 23.99% Variable APR

    Recommended Credit Score

    720 - 850

    Excellent - Excellent
    See NerdWallet's pros & cons

    [object Object] card art

    on Discover's website, or call (800) 347-0264

    Great for: Bonus Categories and First Year Cashback Match

    Securely with Discover

    • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
    • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
    • Plus, earn unlimited 1% cash back on all other purchases - automatically.
    • Redeem cash back in any amount, any time. Rewards never expire.
    • Use your rewards at Amazon.com checkout.
    • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
    • No annual fee.
    • Discover is accepted nationwide by 99% of the places that take credit cards.
    • View Rates and Fees
    See card details

    • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
    • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
    See card details

    Annual Fee

    $0

    Balance Transfer Fee

    3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

    Intro APR

    0% intro APR for 14 months on purchases and balance transfers

    Ongoing APR

    11.99% - 22.99% Variable APR

    Recommended Credit Score

    690 - 850

    Good - Excellent

    VIEW RATES AND FEES

    [object Object] card art

    on Discover's website, or call (800) 347-0264

    Great for: Intro APR period with No Annual Fee

    Securely with Discover

    • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
    • Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
    • Redeem your cash back for any amount, any time. Cash rewards never expire.
    • 100% U.S. Based Customer Service available any time.
    • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
    • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
    • No annual fee.
    • Discover is accepted nationwide by 99% of the places that take credit cards.
    • View Rates and Fees
    See card details

    • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
    • Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
    See card details

    Annual Fee

    $0

    Bonus Value

    INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

    Bonus Value

    INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

    Recommended Credit Score

    690 - 850

    Good - Excellent

    VIEW RATES AND FEES

    [object Object] card art

    on Discover's website, or call (800) 347-0264

    Great for: Cash Rewards for Students and Credit Newbies

    Securely with Discover

    • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
    • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
    • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
    • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
    • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
    • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
    • No annual fee. No late fee on first late payment. No APR change for paying late.
    • Discover is accepted nationwide by 99% of the places that take credit cards.
    • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99% applies.
    • View Rates and Fees
    See card details

    • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
    • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
    See card details

    Annual Fee

    $0

    Bonus Value

    INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for- dollar match.

    Intro APR

    0% intro APR on Purchases for 6 months and 10.99% intro APR on Balance Transfers for 6 months

    Ongoing APR

    12.99% - 21.99% Variable APR

    Recommended Credit Score

    630 - 689

    Average - Average

    VIEW RATES AND FEES

    [object Object] card art

    on Discover's website, or call (800) 347-0264

    Great for: Flat-Rate Travel Rewards with Miles Match

    Securely with Discover

    • UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles.  There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
    • Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.
    • Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
    • No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.
    • Discover is accepted nationwide by 99% of the places that take credit cards.
    • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
    • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
    • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
    • View Rates and Fees
    See card details

    • UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles.  There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
    • Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.
    See card details

    Annual Fee

    $0

    Intro APR

    0% intro APR on Purchases for 14 months and 10.99% intro APR on Balance Transfers for 14 months

    Ongoing APR

    11.99% - 22.99% Variable APR

    Recommended Credit Score

    690 - 850

    Good - Excellent
    See NerdWallet's pros & cons

    VIEW RATES AND FEES

    [object Object] card art

    on Chase's website

    Great for: Cash-Back Pairing with Chase Sapphire Preferred®

    Securely with Chase

    • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
    • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
    • Earn unlimited 1.5% cash back on all other purchases.
    • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
    • No annual fee.
    • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
    • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
    See card details

    • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
    • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
    See card details

    Annual Fee

    $0

    Bonus Value

    Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

    Intro Purchase APR

    0% for 15 Months

    Ongoing APR

    14.99% - 23.74% Variable APR

    Recommended Credit Score

    690 - 850

    Good - Excellent
    See NerdWallet's pros & cons

    [object Object] card art

    on Chase's website

    Great for: Airline Miles and a Large Bonus

    Securely with Chase

    • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®.
    • 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 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, 80,000 points are worth $1,000 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.
    See card details

    • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®.
    • 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
    See card details

    Annual Fee

    $95

    Bonus Value

    Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®

    Intro Purchase APR

    n/a

    Ongoing APR

    15.99% - 22.99% Variable APR

    Recommended Credit Score

    690 - 850

    Good - Excellent
    See NerdWallet's pros & cons

    [object Object] card art

    on Citibank's application

    Great for: Frequent American Fliers

    Securely with Citibank

    • Earn 50,000 American Airlines AAdvantage® bonus miles after you spend $2,500 in purchases within the first 3 months of account opening.
    • Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants.
    • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases.
    • Earn a $125 American Airlines Flight DIscount after you spend $20,000 or more in purchases during your cardmembership year and renew your card.
    • No Foreign Transaction Fees
    • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation.
    • Enjoy preferred boarding on American Airlines flights.
    • The standard variable APR for Citi Flex Plan is 15.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
    See card details

    • Earn 50,000 American Airlines AAdvantage® bonus miles after you spend $2,500 in purchases within the first 3 months of account opening.
    • Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants.
    See card details

    Annual Fee

    $0 intro for the first year, then $99

    Bonus Value

    Earn 50,000 American Airlines AAdvantage® bonus miles after you spend $2,500 in purchases within the first 3 months of account opening

    Intro Purchase APR

    n/a

    Ongoing APR

    15.99% - 24.99% Variable APR

    Recommended Credit Score

    720 - 850

    Excellent - Excellent
    See NerdWallet's pros & cons

    Summary of Standout Credit Cards in 2020

    Compare these offers from our partners, to find the one for you.
  • Citi® Diamond Preferred® Card - Great for: Long 0% interest periods for balance transfers
  • Citi® Double Cash Card - 18 months BT offer - Great for: Flat Rate Cash Back
  • Discover it® Cash Back - Great for: Bonus Categories and First Year Cashback Match
  • Discover It® Chrome - Great for: Intro APR period with No Annual Fee
  • Discover It® Student Cash Back - Great for: Cash Rewards for Students and Credit Newbies
  • Discover It® Miles - Great for: Flat-Rate Travel Rewards with Miles Match
  • Chase Freedom Unlimited® - Great for: Cash-Back Paring with Chase Sapphire Preferred®
  • Chase Sapphire Preferred® Card - Great for: Airline Miles and a Large Bonus
  • Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® - Great for: Frequent American Fliers
  • Friends that give us credit

    A little about us
    At NerdWallet, we offer straightforward info and tools to help you make the best possible financial decisions. All for free. So how do we make money? In most cases, when someone applies or gets approved for a financial product we get paid. But that doesn’t sway our opinions.