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Best Credit Cards of 2020

The “best” credit card is not the same for everyone. You need perks that are meaningful to the way that you live. The most popular cards offer big sign-up bonuses ($500 or more) and/or great rewards for spending, particularly in high-volume categories, like travel or dining. But your needs may differ: Some cards offer zero interest or no annual fees, while others get you primary rental insurance.

Whatever benefit you’re looking for, we’ve got a great card to fit the bill. The cards below are listed in the order of their total bonus offer values.

Advertiser Disclosure: Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Commissions do not affect or prioritize placement within our results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

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18 Cards Available:

Credit card
Estimated Bonus Value :

$1,050

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Annual Fee: $99

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Estimated Bonus Value :

$1,050

Offer: 70,000 bonus AAdvantage® miles after spending $4,000 in your first 4 months

Review: Get a free checked bag and preferred boarding on American Airlines. The free checked bag is valid for for you and up to 4 travel companions. Earn a $99 companion certificate for domestic main cabin travel.

Earn AAdvantage miles at the rate of 2x for American Airlines, telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations, plus 1x for everything else.

Gain access to Reduced Mileage Awards for up to 7,500 miles off rotating origins and destinations each month.

NOTE: Our estimated rewards values assume all of your airline spend is with AA for the purposes of valuing your rewards for this card. If you spend across multiple airlines, your rewards will be lower as this card earns 2x on AA purchases only.

Offer: 70,000 bonus AAdvantage® miles after spending $4,000 in your first 4 months
Credit card
Estimated Bonus Value :

$1,050

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Annual Fee: $95

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Estimated Bonus Value :

$1,050

Offer: 60,000 bonus Ultimate Rewards points when you spend $4,000 in 3 months

Perhaps the best "starting out card" in miles and points.

The Chase Sapphire Preferred has a low annual fee, unlocks transfers from this and any linked Chase Ultimate Rewards-earning card to airline and hotel partners, comes with excellent built-in trip delay insurance, primary car rental CDW coverage and earns 2x points on travel and dining.

Chase Sapphire Preferred Card Earn Rate:

  • 5X Chase Ultimate Rewards points on Lyft rides
  • 2X Ultimate Rewards points on travel and dining
  • 1X Ultimate Rewards on all other purchases
Offer: 60,000 bonus Ultimate Rewards points when you spend $4,000 in 3 months
Credit card

Chase Sapphire Reserve

Annual Fee: $550

Estimated Bonus Value :

$875

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Annual Fee: $550

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Estimated Bonus Value :

$875

Offer: 50,000 Ultimate Rewards points when you spend $4,000 in 3 months

The card that re-revolutionized points-earning credit cards, the Chase Sapphire Reserve is a high-end travel rewards card that unlocks transfers from this and any linked Chase Ultimate Rewards-earning card to airline and hotel partners and offers rich benefits for a frequent traveler.

It offers 3x Ultimate Rewards points on travel and dining. It provides a 50% boost in point value within the Chase portal and you get an annual $300 travel credit each card year which greatly offsets the card's annual fee.

New Lyft and DoorDash Benefits:

  • Earn 10X Ultimate Rewards points on Lyft rides
  • Get a one-time complimentary Lyft Pink (15% Lyft discounts, free bike/scooter rentals each month, and better cancellation rules). ($19.99 / month value)
  • Get $60 in DoorDash credits each year (2020 and 2021).
  • Get free DashPass to get free DoorDash deliveries at select restaurants with $12 or more in your order and decreased service charges.
Offer: 50,000 Ultimate Rewards points when you spend $4,000 in 3 months
Credit card
Estimated Bonus Value :

$800

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Annual Fee: $95

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Estimated Bonus Value :

$800

Offer: Up to 50,000 bonus World of Hyatt Points: 25,000 Bonus Points when you spend $3,000 in your first 3 months and 25,000 more when you spend $6,000 total within the first 6 months.

Earn 4x World of Hyatt points at Hyatt, 2x at restaurants, airline tickets purchased directly, local transit and commuting, and fitness club and gym memberships.

The Hyatt card gives you a Category 1 - 4 night every card year at renewal and you can earn a second one with $15,000 spend. Additional benefits include automatic Discoverist status and 5 elite nights credited each calendar year as well as the ability to earn 2 elite nights for every $5,000 in purchases.

Keep in mind that all points earned on a Chase Sapphire Reserve or Chase Sapphire Preferred can also be transferred to World of Hyatt at a 1 to 1 ratio.

NOTE: In calculating your rewards for this card, we are making the assumption that all Hotel spend entered is spent on Hyatt. If part of that spend is on other hotel chains, that spend will earn only 1x on this card, reducing the value of your rewards.

Offer: Up to 50,000 bonus World of Hyatt Points: 25,000 Bonus Points when you spend $3,000 in your first 3 months and 25,000 more when you spend $6,000 total within the first 6 months.
Credit card
Estimated Bonus Value :

$750

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Annual Fee: $99

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Estimated Bonus Value :

$750

Offer: Get 50,000 AAdvantage miles when you spend $2,500 in your first 3 months

Review: Get a free checked bag and preferred boarding on American Airlines. Earn 2x AAdvantage miles at gas stations and restaurants, as well as on American Airlines. Also earn a $100 flight discount after spending $20,000 and renewing your card.

NOTE: In calculating your potential rewards for this card, we are assuming that all spend entered as "Airline" is on American Airlines. If some of your airline spend is on other airlines, that spend will earn 1x rather than 2x miles and reduce your expected rewards.

Offer: Get 50,000 AAdvantage miles when you spend $2,500 in your first 3 months
Credit card
Estimated Bonus Value :

$750

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Annual Fee: $450

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Estimated Bonus Value :

$750

Offer: Get 50,000 AAdvantage miles when you spend $5,000 in your first 3 months.

Review: Get full Admirals Club Membership for the primary cardholder, plus Admirals Club access for authorized users. Get a free checked bag for you and up to 8 companions on the same record, priority boarding, priority check-in, and priority screening (screening where available).

Earn American Airlines AAdvantage miles, and earn a bonus of 10,000 EQMs (towards elite qualification) in any calendar year you spend $40,000 on the card.

NOTE: In calculating your potential rewards for this card, we are assuming that all spend entered as "Airline" is on American Airlines. If some of your airline spend is on other airlines, that spend will earn 1x rather than 2x miles and reduce your expected rewards.

Offer: Get 50,000 AAdvantage miles when you spend $5,000 in your first 3 months.
Credit card
Estimated Bonus Value :

$700

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Annual Fee: $89

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Estimated Bonus Value :

$700

Offer: 140,000 bonus points when you spend $3,000 within three months of approval

The IHG credit card offers an annual anniversary free night, the fourth reward night free whenever you redeem for 4 or more nights, and Platinum status.

Earn 10x at IHG and 2x at gas stations, grocery stores, and restaurants. Also earn 10,000 bonus points when you spend $20,000 plus one additional purchase each card year.

NOTE: In calculating your rewards values for this card, we are making the assumption that all Hotel spend entered is spent on IHG. If part of that spend is on other hotels, that spend will earn only 1x on this card, reducing the value of your rewards.

Offer: 140,000 bonus points when you spend $3,000 within three months of approval
Credit card
Estimated Bonus Value :

$625

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Annual Fee: $95

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Estimated Bonus Value :

$625

Offer: Get 50,000 bonus Avios after you spend $3,000 within the first 3 months and an additional 50,000 bonus Avios if you spend $20,000 total within your first year

This card earns 3x Avios on British Airways, Iberia, LEVEL, and Air Lingus.

Earn a Travel Together Ticket, good for bringing a companion for just the taxes and fees when you redeem a reward flight for yourself, when you spend $30,000.

NOTE: In calculating your rewards for this card, we are making the assumption that all airfare entered is spent on British Airways, Iberia, LEVEL, and Aer Lingus. If part of that spend is on other airlines, that spend will earn only 1x on this card, reducing the value of your rewards.

ALSO: While the bonus offer can net you up to 100,000 bonus Avios, we only count the first 50,000 in our calculations because of the steep spend requirement to receive the full 100,000.

Offer: Get 50,000 bonus Avios after you spend $3,000 within the first 3 months and an additional 50,000 bonus Avios if you spend $20,000 total within your first year
Credit card
Estimated Bonus Value :

$560

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Annual Fee: $69

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Estimated Bonus Value :

$560

Offer: Earn 40,000 points after spending $1,000 in your first 3 months

This is the entry-level Chase Southwest card and has the lowest annual fee of the three. Get 2x points on Southwest flights and 3,000 points per card anniversary in exchange for your annual fee each year.

Note: Our rewards calculator and Estimated Rewards Values assume all of your "Airfare" is on Southwest and is therefore counted at 2x points. If you also fly another carrier, you will only earn 1x points for those purchases.

Offer: Earn 40,000 points after spending $1,000 in your first 3 months
Credit card
Estimated Bonus Value :

$560

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Annual Fee: $99

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Estimated Bonus Value :

$560

Offer: Earn 40,000 points after spending $1,000 in your first 3 months

A mid-level personal Southwest card with a modest annual fee. Get 6,000 points per card anniversary and 2x points on Southwest flights.

Note: Our rewards calculator and Estimated Rewards Values assume all of your "Airfare" is on Southwest and is therefore counted at 2x points. If you also fly another carrier, you will only earn 1x points for those purchases.

Offer: Earn 40,000 points after spending $1,000 in your first 3 months
Credit card
Estimated Bonus Value :

$560

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Annual Fee: $149

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Estimated Bonus Value :

$560

Offer: Earn 40,000 points after spending $1,000 in your first 3 months

This premium-level Southwest card comes with extra benefits for loyal Southwest flyers. Get 7,500 points, a $75 Southwest credit, and 4 upgraded boarding positions each card anniversary.

Note: Our rewards calculator and Estimated Rewards Values assume all of your "Airfare" is on Southwest and is therefore counted at 2x points. If you also fly another carrier, you will only earn 1x points for those purchases.

Offer: Earn 40,000 points after spending $1,000 in your first 3 months
Credit card

United Explorer Card

Annual Fee: $95

Estimated Bonus Value :

$480

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Annual Fee: $95

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Estimated Bonus Value :

$480

Offer: 40,000 bonus United MileagePlus miles after you spend $2,000 within your first 3 months

This United card offers a free checked bag for you and a travel companion (must pay with card) and priority boarding. You get two one-time United Club passes per card year, the Luxury Hotel and Resort Collection, and access to both Inside Access events and United MileagePlus Events. You earn 2x at restaurants, hotels purchased directly, and, of course, United. You can earn a PQD status waiver with $25,000 spend and, best of all, this card entitles you to expanded saver award availability on United flights.

NOTE: Our rewards calculator and Estimated Rewards Values assume all "Airfare" is on United and is therefore counted at 2x points. If you also fly another carrier, you will only earn 1x points for those purchases and your Reward Values would be lower than indicated.

Offer: 40,000 bonus United MileagePlus miles after you spend $2,000 within your first 3 months
Credit card
Estimated Bonus Value :

$375

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Annual Fee: $0

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Estimated Bonus Value :

$375

Offer: 75,000 bonus IHG points when you spend $2,000 within 3 months

This is the no-fee version of the IHG Rewards Club Premier Credit Card, with somewhat reduced benefits in exchange for not having an annual fee.

The IHG credit card is best suited for spend at IHG properties where it earns IHG points at the rate of 5x IHG points per dollar (vs. 10x IHG points with the IHG Rewards Club Premier Credit Card).

This card still gives you the 4th Night Free on an Award Stay benefit which is one of the best reasons to have either IHG credit card, although you do give up many other features of the IHG Rewards Club Premier Credit Card which does have an annual fee.

Offer: 75,000 bonus IHG points when you spend $2,000 within 3 months
Credit card

Citi Rewards+

Annual Fee: $0

Estimated Bonus Value :

$225

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Annual Fee: $0

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Estimated Bonus Value :

$225

Offer: Get 15,000 bonus points when you spend $1,000 within your first 3 months.

Round up to the nearest 10 points on all purchases. Earn 2x at supermarkets and gas stations for the first $6,000 combined per year, and 1x everywhere else, before rounding up. Excellent for small purchases.

Note: Your earnings will be larger than those shown in our calculations because we cannot factor in the "round up" feature of this card as it correlates to each exact transaction you will make.

Offer: Get 15,000 bonus points when you spend $1,000 within your first 3 months.
Credit card
Estimated Bonus Value :

$150

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Annual Fee: $0

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Estimated Bonus Value :

$150

Offer: Earn 10,000 miles and a $50 statement credit when you spend $500 in your first 3 months.

This no-fee card earns 2x AAdvantage miles at grocery stores, as well as 2x on American Airlines.

NOTE: In calculating your potential rewards for this card, we are assuming that all spend entered as "Airline" is on American Airlines. If some of your airline spend is on other airlines, that spend will earn 1x rather than 2x miles and reduce your expected rewards.

Offer: Earn 10,000 miles and a $50 statement credit when you spend $500 in your first 3 months.
Credit card
Estimated Bonus Value :

$150

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Annual Fee: $0

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Estimated Bonus Value :

$150

Offer: $150 statement credit when you spend $1,200 within 90 days of opening your account

The ABOC Platinum Rewards Mastercard® Credit Card offers an intro 0% APR for your first 12 months.

It earns 1 point per dollar and also earns 5X points on categories that rotate each quarter, up to $1,500 per quarter, like dining, groceries, Amazon.com, gas, etc. 

ABOC points are redeemed for gift cards or travel and are worth approximately 0.8 cents each - equating to about a 4% cash back on the rotating quarterly categories. 

This is also a popular card for people with credit rated "Fair" or "Average".

Offer: $150 statement credit when you spend $1,200 within 90 days of opening your account
Credit card
Estimated Bonus Value :

$0

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Annual Fee: $0

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Estimated Bonus Value :

$0

Offer: None at this time

This Costco-branded card earns 2% cash back at Costco. It also earns an incredible 4% cash back at gas stations, both Costco and otherwise, for the first $7,000 per year. Additionally, it earns 3% cash back at restaurants and on travel.

You must have a Costco membership to be eligible for this card.

Offer: None at this time
Credit card

United Club Infinite Card

Annual Fee: $525

Estimated Bonus Value :

$0

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Annual Fee: $525

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Estimated Bonus Value :

$0

Offer: The $525 annual fee is waived the first year.

Includes United Club membership, two free checked bags, Premier Access (including priority boarding, priority check-in, priority baggage handling, etc), and expanded award availability.

The card also provides a Global Entry / PreCheck credit of up to $100

You can earn a PQD waiver with $25,000 spend.

NOTE: In calculating your rewards for this card, we are making the assumption that all airfare entered is spent on United, which earns 4X. If part of that spend is on other airlines, that spend will earn only 1x on this card, reducing the value of your rewards.

Offer: The $525 annual fee is waived the first year.

Don’t Miss Out On Limited time Offers

Credit card companies regularly offer limited time increased signup bonus offers on their credit cards. They also sometimes change card benefits or otherwise change up their card lineups.
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