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Best Credit Cards of 2020

Credit Cards Hustly Invest

From sign-up bonuses to great rewards cards, Hustly Invest’s best credit cards of 2020 list will offer a wide range of solutions for you on your credit journey.

Best Credit Cards for October

1. Blue Cash Preferred Card from American Express

Annual Fee: $95
Rewards Rate: 1%-6% Cashback
Welcome Offer: 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.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, currently 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee and no interest.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • $95 Annual Fee.
  • Terms Apply.

2. Citi Double Cash Card

Annual Fee: $0
Rewards Rate: 1%2% Cashback
Welcome Offer: $0

  • Earn 2% on every purchase with unlimited 1% cashback when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cashback, 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 cashback.
  • 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.

3. Chase Freedom Flex

Annual Fee: $0
Rewards Rate: 1%5% Cashback
Welcome Bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

  • Earn 5% cashback on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn 5% cashback on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1% 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 cashback. Cash Back rewards do not expire as long as your account is open.

4. Chase Sapphire Preferred Credit Card

Annual Fee: $95
Rewards Rate: 1x-5x Points
Welcome Offer: 80,000 Rewards Points after spending $4,000 in the first three months (the equivalent of $1,000 in travel credit)

  • 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.

5. Discover It Cash Back

Discover it Cash Back Hustly Invest

Annual Fee: $0
Rewards Rate: 1%-5% Cashback
Welcome Offer: Cashback match. At the end of the first year, Discover will match your cashback. No minimum.

  • 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.

 

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At Hustly Invest (HustlyInvest.com), we care about your goals and want to see you achieve greatness. We pride ourselves on providing you the right guidance to make effective decisions. Considering that this website is free, people often ask how we make money. The short answer is, our partners pay us a commission as compensation for our recommendations. 

HustlyInvest.com and its affiliates are paid a commission on a per sale or lead basis for all of the credit card offers displayed on this website. Often, we will list credit card offers that we are not paid any commission for. HustlyInvest.com offers affiliate programs to affiliates who are also paid commissions to promote the credit card offerings listed. The content is not provided nor commissioned by the company whose products are featured on the site (“Advertiser”). Any opinions, analyses, reviews or evaluations provided by our team members are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the Advertiser. This site may be compensated through the Advertiser’s affiliate programs.