Credit Cards

The Best Credit Cards Offers Of 2020

A perfect credit card means different things for different users. For you, it can for example be a card that offers cashback for every purchase yo make to use for your daily spending. Other people might prefer a card with better generous airline rewards. US customers have an almost unlimited selection when it comes to credit cards, which can make picking one a hassle. This list will simplify the process by providing some of the best cards in different categories to get in 2020!

Capital One Quicksilver Cash Rewards Card

This card is a good investment for overall needs. It is perfect when looking for a credit card with a flat-rate cashback on all purchases. With the Capital One Quicksilver, you get 1.5% cashback, regardless of the type of purchases. A majority of cards offer1% cashback rate. If you put a majority of your purchases on plastic, then this card is worth consideration. If within 3 months after opening your account you spend $500, you receive a one-time bonus of $150. The card has no annual fees and a 15% APR for the first 15 months. A big plus point of the card is that it doesn’t incur foreign charges, making it ideal if you travel outside the US regularly.

Chase Sapphire Preferred Card

The card is designed for avid travelers. You earn double points for travel and dining on restaurants across the globe. Up to March 2022, you receive 5 times the points on your Lyft rides. All other purchases get you a point automatically. Currently, Chase is offering cardholders 60,000 bonus points for spending $4,000 within months of opening an account. You have the flexibility of transferring points to your preferred frequent flyer program, giving you an opportunity to capitalise on a variety of rewards. If you use Chase Ultimate Rewards to redeem your points, the card offers 25% more. The downside is the $95 annual fee.

Bank of America Travel Rewards Visa card

If you travel to foreign destinations a lot and conduct significant purchases, the Travel Rewards Visa credit card from BoA is a practical choice. You don't have to pay international transfer fees when paying with this card. For every $1 you spend on a purchase, the card earns you 1.5 points. The intro bonus is 25,000 points for purchases of at least $1,000 within the first 90 days of opening an account. The card doesn't limit where you can spend, allowing you to book flights, shop and dine wherever you choose. The intro APR is 0% for 12 billing cycles.

Discover it Student Cash Back

Discover has credit cards for just about every category, including students. The Discover it Student card is among the best ones out there. You get an intro APR of 0% for 6 months and a full match of your cashback for the first year. The card offers 5% cash back each quarter on rotating categories. If your GPA is 3.0 or higher, you receive 20% statement credit for the next five years. The Freeze It feature allows you to switch your account on and off to lock balance transfers, cash advances and purchases. A first late repayment doesn’t incur any charges or change the APR rate, and no annual fees apply.

American Express Cash Magnet Card

A cardholder looking to leverage the card benefits of American Express can settle for this 0% intro APR Cash Magnet Card. Get 1.5% cashback on all purchases and unrestricted rewards. Unfortunately, you don't get the cashback in the form of actual money. The card only allows users to redeem rewards as gift cards, merchandise and statement credit. It means that you cannot use your rewards on other programs besides American Express. The card charges 3% for balance transfers and 2.7% for foreign transactions. Enrol for Amex Offers to enjoy cash savings.

Discover it Balance Transfer

For a card with great balance transfer offers, the Discover it Balance Transfer has you covered. During the first year, Discover matches your cashback without any limits. Your rewards don’t have an expiration date, and you don’t have a limit for the cashback. The card gives you 5% cashback up to a quarterly maximum for different outlets like restaurants, grocery stores and gas stations. An automatic 1% cashback also applies to all purchases. The intro APR is 0% for 6 months on purchases and 18 months on balances. No annual fees exist.