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Excellent Credit Cards of 2020

From huge sign-up bonuses to generous rewards, we've picked credit cards that stand out from the crowd. Compare these deals, some of which are from our partners, to find the right one for you.

[object Object] card art

on American Express's website

Great for: Everyday Spending

Securely with American Express

  • 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.
  • View Rates and Fees
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  • 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.
  • View Rates and Fees
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Annual Fee

$95

Intro APR

0% intro APR on Purchases and Balance Transfers for 12 months

Ongoing APR

12.99% - 23.99% Variable APR

Bonus Value

$250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. Terms Apply.

Rewards Details

6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more. 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. 1% Cash Back on other purchases. Terms and limitations apply.

Recommended Credit Score

690 - 850

Good - Excellent

Pros

  • Leading cash-back rewards at U.S. supermarkets
  • Rich bonus offer for new cardholders
  • Intro APR period on Purchases and Balance Transfers

Cons

  • Has annual fee — but if you spend more than $31 per week at U.S. supermarkets, the rewards offset the fee
  • American Express isn’t accepted at as many merchants as Visa or Mastercard
  • $25 minimum redemption

on American Express's website

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[object Object] card art

on Chase's website

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

Securely with Chase

  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99 - 23.74%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5
  • No annual fee
  • 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 $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
See card details

Annual Fee

$0

Intro APR

0% on Purchases and Balance Transfers for 15 months

Ongoing APR

14.99% - 23.74% Variable APR

Bonus Value

Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.

Rewards Details

Earn unlimited 1.5% cash back on all purchases.

Recommended Credit Score

690 - 850

Good - Excellent
See NerdWallet's pros & cons
[object Object] card art

on Citibank's application

Great for: Longest 0% APR Period

Securely with Citibank

  • No Late Fees, No Penalty Rate, No Annual Fee… Ever.
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
  • 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.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges.
See card details

  • No Late Fees, No Penalty Rate, No Annual Fee… Ever.
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
See card details

Annual Fee

$0

Intro APR

0% on Purchases for 12 months and 0% on Balance Transfers for 21 months

Ongoing APR

14.74% - 24.74% Variable APR

Bonus Value

None

Rewards Details

n/a

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 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.
See card details

  • 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.
See card details

Annual Fee

$95

Intro APR

N/A

Ongoing APR

15.99% - 22.99% Variable APR

Bonus Value

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®

Rewards Details

Earn 5X points on Lyft rides through March 2022, 2X points on travel and dining at restaurants, & 1 point per dollar spent on all other purchases worldwide

Recommended Credit Score

690 - 850

Good - Excellent
See NerdWallet's pros & cons
[object Object] card art

on Wells Fargo's website

Great for: Travel rewards with no annual fee

Securely with Wells Fargo

  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
  • $0 annual fee and no foreign currency conversion fee
  • Earn 3X points on eating out and ordering in
  • Earn 3X points on travel including flights, hotels, homestays and car rentals
  • Earn 3X points on gas stations, rideshares and transit
  • Earn 3X points on popular streaming services
  • Earn 1X points on other purchases
  • Select "Apply Now" to learn more about the product features, terms and conditions
  • View Rates and Fees
See card details

  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
  • $0 annual fee and no foreign currency conversion fee
See card details

Annual Fee

$0

Intro APR

0% intro APR for 12 months on purchases and qualifying balance transfers

Ongoing APR

13.99% - 25.99% Variable APR

Bonus Value

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value

Rewards Details

Earn 3X points on eating out and ordering in; Earn 3X points on travel including flights, hotels, homestays and car rentals; Earn 3X points on gas stations, rideshares and transit; Earn 3X points on popular streaming services; Earn 1X points on other purchases

Recommended Credit Score

690 - 850

Good - Excellent
See NerdWallet's pros & cons

VIEW RATES AND FEES

[object Object] card art

on Wells Fargo's website

Great for: Low Interest from Wells Fargo

Securely with Wells Fargo

  • Pay down balances instead of interest with Wells Fargo's longest intro APR
  • $0 Annual Fee
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum card
  • Easy access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • Select "Apply Now" to learn more about the product features, terms and conditions
  • View Rates and Fees
See card details

  • Pay down balances instead of interest with Wells Fargo's longest intro APR
  • $0 Annual Fee
See card details

Annual Fee

$0

Intro APR

0% intro APR for 18 months on purchases and qualifying balance transfers

Ongoing APR

15.49% - 24.99% Variable APR

Bonus Value

None

Rewards Details

n/a

Recommended Credit Score

690 - 850

Good - Excellent
See NerdWallet's pros & cons

VIEW RATES AND FEES

[object Object] card art

on HSBC's website

Great for: Long 0% Intro APR Period

Securely with HSBC

  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.99% - 22.99% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • View Rates and Fees
See card details

  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.99% - 22.99% will apply.
  • No Penalty APR.
See card details

Annual Fee

$0

Intro APR

0% Introductory APR on credit card purchases and balance transfers for the first 18 months from account opening.

Ongoing APR

12.99% - 22.99%, Variable

Bonus Value

None

Rewards Details

n/a

Recommended Credit Score

690 - 850

Good - Excellent
See NerdWallet's pros & cons

VIEW RATES AND FEES

[object Object] card art

on Wells Fargo's website

Great for: Cash sign-up bonus

Securely with Wells Fargo

  • Earn a $150 cash rewards bonus after spending $500 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified digital wallet purchases, like Apple Pay® or Google Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® card
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms and conditions
  • View Rates and Fees
See card details

  • Earn a $150 cash rewards bonus after spending $500 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
See card details

Annual Fee

$0

Intro APR

0% intro APR for 15 months on purchases and qualifying balance transfers

Ongoing APR

13.99% - 25.99% Variable APR

Bonus Value

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

Rewards Details

Earn unlimited 1.5% cash rewards on purchases

Recommended Credit Score

690 - 850

Good - Excellent
See NerdWallet's pros & cons

VIEW RATES AND FEES

[object Object] card art

on Citibank's application

Great for: Flat Rate Cash Back

Securely with Citibank

  • 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.
See card details

  • 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.
See card details

Annual Fee

$0

Intro APR

0% on Balance Transfers for 18 months

Ongoing APR

13.99% - 23.99% Variable APR

Bonus Value

None

Rewards Details

Earn 2% cash back on purchases 1% when you buy and 1% as you make payments for those purchases

Recommended Credit Score

690 - 850

Good - Excellent
See NerdWallet's pros & cons

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