The Best Credit Cards of 2020


Best credit cards of 2020

Credit card with no annual fee

Credit card for investors

Credit card with low APR

Credit card with no interest 

Meta description:  We are going to share the list of credit cards here which are the best credit cards of 2020. We will focus on the credit cards with no annual fee and credit cards with low APR.

The Best Credit Cards of 2020

We have consumed many hours to examine the credit card marketbecause we want to identify thebest credit cards of 2020 which we can recommend to friends and family. We shared top-rated card’s list here which all are determined by rating methodology, proprietary point’s valuation models, and comprehensive card database.

  1. Citi Simplicity:

This credit card is best for balance transfer and also a credit card has no annual feeThe regular APR is about 14.74% to 24.74% with zero annual fees. It charges $5 or 3% of the amount which is going to be transferred. It offers 0% of APR for 18 months from account opening on balance transfers. There are no penalty rates, annual fees, or late fees charges. It deducts a high balance transfer charge. And also charge 3 percent of foreign transaction fees. There is no reward program or a one-time bonus offer. It is among the best credit cards of 2020.

  • World of Hyatt Credit Card:

Thesecredit cards are for investors withlow interest or having no interestIt’s regular APR having the percentage of 15.99%-22.99% variable. It offers you 50,000 bonus points by spending $3,000 in buying within the first 3 months. It also offers two award nights yearly in Hyatt hotel. This night award neutralizes the card’s annual fee. if you spent one dollar at Hyatt hotels including participating restaurants and small luxury hotel properties, you will earn 4 points. So just grab one of the best credit cards of 2020. 

Hyatt is a well-known hotel but it cannot beat its competitors. Hyatt has only 850+ properties worldwide but its competitors have more locations. Also, the world of Hyatt credit cards charges $95 annually. The structure of reward earning is confusing as it combines credit card and hotel loyalty points.

  • Ink Business Preferred Credit Card:

It is the bestcredit card having low APR which is 15.99% – 20.99% variable. This card is best for business owners and reward strategists. You can get an earning reward of 3 points per $1 on the spending of $150,000 on travel. You can earn one point per $1 on all other buying.

This credit card has the potential to make a huge bonus. Also, its reward programs are feasible and flexible, also provide high premiums on the pick of business expenditures. This credit card having low base profits or rewards rate. Not even more chances of gaining business-related benefits. And the businesses only get interacted with their cards in case of urgency. 

  • United Explorer Card:

It lies in the category of thebest credit cards of 2020It is best in use for airlines. This credit card bears zero annual fees for the first year then it charges $95 per annum. Its regular APR is 16.49% – 23.49% variable.

Foreign transaction charges are zero and the balance transfer fee is either $5 or 5% of the amount of each transfer whichever is bigger.

It has a valuable rewards program and offers special benefits whenever you fly United. Also, it gives many traveling benefits and protections. So keep on choosing the credit cards with no annual fee and having a lot of advantages. 

It gives only fewer free checked bags as compared to other airline cards. if you and one other person belonging to you will get one free checked bag but if you are flying with your family then you have to pay $60 of each bag’s check. This card is best for the status seeker, constant flyer, or international traveler. So keep choosing the best credit cards of 2020.

  • Bank of America Travel Rewards:

It is the best student credit card and the credit card with no annual feeIts APR is 14.99% – 22.99% variable. It must be the priority to choose this card as it is the best credit card for 2020There are no foreign transaction fees which make it ideal to choose and use.

It provides good travel rewards earnings and easy to manage. After spending every dollar you earn 1.5 points and this card is competitive in bonuses with other no-fee travel cards. This card is the best choice for the students who plot large purchases as they can get enough time without paying any interest rate.

It provides friendly foreign travel for the students who eagerly want to visit the places overseas in their spring break. But it does not allow the transfer of points in such a loyalty plan. Travel rewards can only be recovered via Bank of America. It does not offer a plan for a balance transfer. This card is best for international travelers and college students. So keep choosing it among the best credit cards of 2020. 

  • Capital One Quicksilver Cash Rewards:

It is the best card for cashback service. Quicksilver is the credit card with no annual feesThe regular APR % is about 15.49% – 25.49% variable. It is more attractive because of its less fee charge, low rate of interest, and high rewards. Its reward plan is simple enough with a cash return policy, and good initial offers on purchases. There are no annual and foreign transaction fees. There is no penalty on APR. It is the best credit card for investors.

 The card lump-sum rewards structure is fascinating but if you want to make your life complicate with a card that offers more rewards in the places where you consume a lot, this one won’t do it. It could be a good incentive on earning $150 after just consuming $500 in three months. But if your budget is larger then you could obtain more with different cash-back credit cards.


After all stuff, this card is best for cashback strategists, for minimalists. Among all these are the best credit cards of 2020.

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