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Top Credit Cards for 2020

We’ve selected some of the top credit cards across various categories for your review. Browse these offers from our partners below to find the perfect one for your needs.

Browse Our Editors’ Picks for Best Credit Cards of 2020

What factor differentiates the top credit cards from all the rest? At BestCards.com, we understand how overwhelming the credit card market can be, which is why we navigate it for you. When reviewing offers, we take several different factors into consideration and weigh them against other cards in their respective categories.

At times, certain aspects may overlap, yet you wouldn’t use the same guidelines to compare travel credit cards as you would secured cards. Factors like credit limits, annual fees, extra perks, and spending requirements can all impact how well a credit card will benefit you. Based on factors like these, we’ve selected some of the top credit cards for 2020 across various categories for you to explore. Browse these offers from our partners below to find the perfect one for your needs.

Top Secured Credit Cards for 2020

If your credit score needs some attention – or you don’t have a score at all yet – choosing the right credit card for the job is vital. Many consumers turn to secured cards under these circumstances, since they have looser requirements. Just like unsecured credit cards, these come in all shapes and sizes.

Since secured cards take a deposit as collateral, you’ll want to know the minimum deposit amount required and whether there’s a cap to your credit limit. Credit score requirements still play a role too. Some cards are better suited to those with little credit, while others are meant for credit improvement.

First Progress Platinum Select Mastercard® Secured Credit Card

First Progress Platinum Select Mastercard® Secured Credit Card

No Credit History or Minimum Credit Score Required

First Progress Platinum Select Mastercard® Secured Credit Card
  • Regular Purchase APR 13.99% variable based on the Prime Rate
  • Cash Advance APR 19.99% variable based on the Prime Rate
  • Annual Fee $39
  • Credit Needed Poor , No Credit Required
  • Processing Network Mastercard
Best Benefits
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Full-Feature Platinum Mastercard® Secured Credit Card
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • 24/7 Online Access to Your Account
Rates & Fees
  • Regular Purchase APR: 13.99% variable based on the Prime Rate
  • Cash Advance APR: 19.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
  • Annual Fee: $39
  • Foreign Transaction Fee: 3% of the transaction amount
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $29
  • Minimum Deposit Required: $200

The First Progress Platinum Select Mastercard® Secured Credit Card offers a quick sure-fire way to procure purchasing power while also giving you an opportunity to improve your credit score. You can deposit as much as $2,000 to act as your credit line there is only a modest annual fee.

What’s more, First Progress does not perform a hard inquiry on your credit report, and you do not need an established credit history or a minimum score to qualify for a card. First Progress offers two additional card options, both of which have their own set of strengths.

Top Travel Credit Cards for 2020

The top credit cards found in the travel category can be some of the most intimidating to sift through. They offer much more than your average card, typically including features like:

  • Extra miles on flights, hotels, and car rentals
  • Travel credits, including statement credits after you spend a certain amount each year.
  • No foreign transaction fees
  • Impressive sign up bonuses
  • Hotel and airport perks, like free checked bags, upgrades, and more.

However, all these additional features often equate to high APRs and massive annual fees. This can make it difficult to determine a travel card’s true value – not all flashy rewards are worth the price tag. The trick is to weigh the (annual) cost of the card against these benefits, along with your likelihood to use them. After all, complimentary airport lounge access is only as valuable as you make it.

Our Picks for Top Travel Card of 2020:

Mastercard® Black Card™

Mastercard® Black Card™

Patented Card Construction and 24/7 Luxury Card Concierge

Mastercard® Black Card™
  • Regular Purchase APR 14.99% variable based on the Prime Rate
  • Balance Transfer APR 14.99% variable based on the Prime Rate
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee $495
  • Credit Needed Excellent
  • Processing Network Mastercard
Best Benefits
  • Patented black-PVD-coated metal card—weighing 22 grams
  • 2% value for airfare redemptions with no blackout dates or seat restrictions. 1.5% value for cash back redemptions. Earn one point for every one dollar spent
  • 24/7 Luxury Card Concierge®—available by phone, email and live mobile chat. Around-the-clock service to help you save time and manage tasks big and small
  • Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties
  • Annual Airline Credit—up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Up to a $100 application fee credit for the cost of TSA Pre?® or Global Entry
  • Enrollment in Priority Pass Select with access to 1,300+ airport lounges worldwide with no guest limit. Includes credits at select airport restaurants for cardholder and one guest
  • Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits
  • Annual Fee: $495 ($195 for each Authorized User). Terms and conditions apply
Rates & Fees
  • Regular Purchase APR: 14.99% variable based on the Prime Rate
  • Intro Balance Transfer APR: 0% for the first 15 months on transfers that post within 45 days of account opening
  • Balance Transfer APR: 14.99% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 25.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
  • Annual Fee: $495
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $39

There’s little doubt in our minds that the Mastercard® Black Card™ offers the best luxury benefits for a travel card that can carry a balance. Most luxury-oriented travel credit cards are heavy on the perks but feature an APR that isn’t competitive. These cards also do not offer value when not paying your balance in full each month – after all, the points, miles, and rewards lose value when you are paying interest.

With the Black Card, however, some of this worry goes out the window. Sure, points still lose their value, but carrying a balance isn’t nearly as punishing. The Mastercard® Black Card features a competitive APR of 14.99%. This interest rate varies based on the Prime Rate only, compared to others, which have a variable APR based on creditworthiness.

The Mastercard® Black Card™ also features an annual fee significantly lower than both the Sapphire Reserve and the AMEX Platinum. The Reserve is known as a points machine, and the Platinum is one of the kings of luxury, but don’t count the Black Card out just yet.

The Black Card offers enormous value for its $495 annual fee. The list of luxury perks is astonishing, including Priority Pass lounge access, airline credits, complimentary luxury gifts from leading brands, access to the Luxury Hotel Collection, no foreign transaction fees, and more. That doesn’t even mention the card’s award-winning Luxury Concierge service. All told, the card offers over $500 in hotel savings and credits – per stay.

Plus, the card gets 2% value for airline redemptions and 1.5% cash back redemptions, making it one of the better rewards cards for the heavy spender

The main reason e love the Black Card is because it is the ideal combination of excellent rewards, a highly-competitive APR, and luxury perks – for a price that offers superb value for money. We think it holds it’s own against the big boys – and it’s why it’s our choice for the top travel credit card of 2020.

Other Top Travel Cards to Consider:

The Platinum Card®

The Platinum Card® from American Express

Earn Up To 60,000 Bonus Points

The Platinum Card® from American Express
  • Regular Purchase APR See Pay Over Time APR
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee $550
  • Credit Needed Excellent
  • Processing Network American Express
Best Benefits
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year
  • 5X Membership Rewards® Points on prepaid hotels booked on amextravel.com
  • $200 Airline Fee Credit, up to $200 in statement credits per calendar year in baggage fees and more when you select one qualifying airline
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required
  • Access to the American Express Global Lounge Collection
  • VIP status and $200 Uber savings on rides or eats orders in the US annually
  • Complimentary Gold status in Marriott Bonvoy and Hilton Honors programs
  • Complimentary membership in premium car rental programs
Rates & Fees
  • Regular Purchase APR: See Pay Over Time APR
  • Cash Advance APR: 25.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Penalty APR: See Rates & Fees
  • Annual Fee: $550
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
Credit Card Deals
  • Spend $1,000 or more, get $200 back - Offer Expires on November 30, 2020 - See Details
  • Spend $50 or more, get $10 back - Offer Expires on December 31, 2020 - See Details
  • Spend $9.99 or more, get $9.99 back - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

One card that’s bursting with benefits – but can be worth every penny – is The Platinum Card® from American Express. To offset the $550 fee, you can cash in on up to $300 in annual travel credits, access to several premium lounges, and up to 5X rewards on flights and hotels booked with American Express Travel.

Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card

Earn 50,000 Bonus Miles

Capital One® Venture® Rewards Credit Card
  • Regular Purchase APR 17.24%, 21.99% or 24.49% variable based on creditworthiness and Prime Rate
  • Balance Transfer APR 17.24%, 21.99% or 24.49% variable based on creditworthiness and Prime Rate
  • Cash Advance APR 24.49% variable based on the Prime Rate
  • Annual Fee $0 for the first year, $95 after that
  • Credit Needed Excellent
  • Processing Network Visa
Best Benefits
  • 5X miles per dollar spent on hotels and car rentals through Capital One Travel portal
  • 2X miles per dollar spent on all other purchases
  • Receive up to a $100 credit for TSA Pre-check or Global Entry
  • Transfer miles to 15 available travel partners
  • No foreign transaction fees
Rates & Fees
  • Regular Purchase APR: 17.24%, 21.99% or 24.49% variable based on creditworthiness and Prime Rate
  • Balance Transfer APR: 17.24%, 21.99% or 24.49% variable based on creditworthiness and Prime Rate
  • Balance Transfer Transaction Fee: 3% of the amount of each transfer at promotional APRs. None for balances transferred at the Transfer APR
  • Cash Advance APR: 24.49% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each transaction, whichever is greater
  • Annual Fee: $0 for the first year, $95 after that
  • Late Payment Penalty Fee: Up to $39
Credit Card Deals
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

Not all top travel cards have such a hefty price tag, though. The Capital One® Venture® Rewards Credit Card is a mid-tier offer sporting a $95 annual fee, but it still packs premium perks. You’ll get the same 5X rewards and Global Entry credit as the Platinum, but 2X base rewards on uncategorized purchases. Plus, this card may offer even more value once Capital One’s first airport lounge opens.

Top Rewards Credit Cards for 2020

The top rewards cards category has the largest variety of offers available by far. It can contain any card that earns rewards, from travel and cash back cards to retail and gas cards. Since this is such a broad category, we use slightly different standards to identify the best offers.

Redemption value and earning opportunities tend to play the biggest roles here. You want to know that the points you earn will lead to a worthwhile prize. When we compare these types of cards, we focus on how worthwhile the redemption options are, and how long it will take to earn the necessary points.

Annual fees, extra perks, and signup bonuses also come into play. The more you use these features, the faster the card pays for itself.

Chase Sapphire Preferred® Card

Chase Sapphire Preferred®

Earn 60,000 Bonus Points ($750 Value)

Chase Sapphire Preferred®
  • Regular Purchase APR 15.99% to 22.99% variable based on creditworthiness and Prime Rate
  • Balance Transfer APR 15.99% to 22.99% variable based on creditworthiness and Prime Rate
  • Cash Advance APR 24.99% variable based on Prime Rate
  • Annual Fee $95
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • Earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from opening
  • Earn 2X points on travel and dining, including airfare, hotels, cafés, and more
  • Earn 1 point per dollar spent on every other purchase
  • Get 25% more in travel redemption when you redeem through Chase Ultimate Rewards
  • 1:1 point transfer to various airline and hotel travel partners
  • No foreign transaction fees
Rates & Fees
  • Regular Purchase APR: 15.99% to 22.99% variable based on creditworthiness and Prime Rate
  • Balance Transfer APR: 15.99% to 22.99% variable based on creditworthiness and Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 5% of each transfer amount, whichever is greater
  • Cash Advance APR: 24.99% variable based on Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of each transaction amount, whichever is greater
  • Annual Fee: $95
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $39
Credit Card Deals
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

The Chase Sapphire Preferred® Card is a favorite that comes to mind. While this card only offers 2X rewards on travel and dining, the real value lies in its redemption rate. It allows you to take your Chase Ultimate Rewards and transfer them to more than 10 airline and hotel partners at a 1:1 ratio. For 25% more value, you can choose to redeem for travel through the Chase rewards program.

Citi Rewards+℠ Card

Citi Rewards+ Card

15,000 Bonus ThankYou® Points + 0% APR Balance Transfers

Citi Rewards+ Card
  • Regular Purchase APR 13.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 15 months from account opening date
  • Processing Network Mastercard
Best Benefits
  • Earn 15,000 Bonus Points after you spend $1,000 in purchases within the first 3 months from account opening
  • Points on purchases are rounded up to the nearest 10 points with no cap
  • Earn 2X points per $1 at supermarkets and gas stations for the first $6,000 per year
  • Earn 1X point per $1 on all other purchases
  • Get 10% back in Points for the first 100,000 ThankYou® Points you redeem per year
Rates & Fees
  • Intro Purchase APR: 0% for 15 months from account opening date
  • Regular Purchase APR: 13.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 15 months on transfers made within 4 months from account opening date
  • Balance Transfer APR: 13.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 25.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Penalty APR: Up to 29.99% variable based on creditworthiness and the Prime Rate
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40

Another worthy contender is the Citi Rewards+℠ Card. Initially, this card seems to earn only 2X points per dollar on groceries and gas, plus 1X on everything else. However, it rounds up to the nearest 10 points for every purchase, making your $2 coffee worth 10 points rather than 2. While you’ll only earn double rewards on up to $6,000 annually, you can earn even more for redeeming. When you redeem your first 100,000 each year, you’ll get 10% back.

Top Cash Back Credit Cards for 2020

Finding top credit cards with cash back isn’t too different than searching for other types of rewards cards. However, you won’t have to spend extra time calculating the value of your rewards – the cards tell you up front. Whether it’s 1% or 6% back on your purchases, rewards don’t get much more straightforward than that.

Instead, you’ll focus a little more on the earning categories and rewards rates. Dozens of cash back credit cards exist, and the best ones offer a wide array of opportunities to earn. Which one (card) benefits you the most will largely depend on your spending habits, though some offer more balanced rewards than others. One thing you will have to calculate for is earning caps in the higher categories.

Blue Cash Preferred® Card

Blue Cash Preferred® Card

Earn a $300 Statement Credit + 0% Intro APR for 12 Months

Blue Cash Preferred® Card
  • Regular Purchase APR 13.99% to 23.99% variable based on creditworthiness the Prime Rate
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee None the first year. After that, $95
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 12 months from account opening date
  • Processing Network American Express
Best Benefits
  • 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
  • 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
Rates & Fees
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 13.99% to 23.99% variable based on creditworthiness the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 25.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Penalty APR: 29.24% variable based on the Prime Rate
  • Annual Fee: None the first year. After that, $95
  • Foreign Transaction Fee: 2.7% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
Credit Card Deals
  • Spend $1,000 or more, get $200 back - Offer Expires on November 30, 2020 - See Details
  • Spend $50 or more, get $10 back - Offer Expires on December 31, 2020 - See Details
  • Spend $9.99 or more, get $9.99 back - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

The Blue Cash Preferred® Card from American Express focuses on the most common everyday expenses. You can earn 6% on groceries, but only on up to $6,000 each year. However, you won’t have to worry about this cap unless you spend more than $500 a month at the supermarket. You’ll also earn an unlimited 6% on streaming services, 3% on transit and gas, plus a whopping $300 signup bonus.

U.S. Bank Cash+™ Visa Signature® Card

U.S. Bank Cash+™ Visa Signature® Card

Earn Up to 5% Cash Back

U.S. Bank Cash+™ Visa Signature® Card
  • Regular Purchase APR 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 23.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent
  • Processing Network Visa
Best Benefits
  • Get a $150 cash back bonus after making $500 in eligible net purchases within the first 90 days of account opening
  • Earn 5% cash back on your first $2,000 in combined eligible net purchases each quarter on two categories of your choice
  • Earn 2% cash back on one everyday category, like gas stations or grocery stores
  • Earn 1% cash back on all other net purchases
Rates & Fees
  • Regular Purchase APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months on transfers made within 60 days from account opening date
  • Balance Transfer APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 23.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: Up to 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $35
Credit Card Deals
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

If you want more flexibility from your cash back card, some of the best options let you select your top earning category. With the U.S. Bank Cash+™ Visa Signature® Card, you get to pick not one, but two 5% cash back areas. These 5% cash back earnings get capped at $2,000 per quarter. As with the Blue Cash Preferred, the cap only applies if you spend $660+ per month in those combined categories.

Top Business Credit Cards for 2020

Top business cards provide their own unique benefits specifically geared toward business owners and their employees. As with personal credit cards, the kind of perks you want to look out for depend largely on your business expenses. If you own a company that requires you to spend more time traveling than in the office, a card with major loyalty rewards can come in handy.

Other business cards aim their rewards toward common office supply needs, or offer discounts on tools like Quickbooks. Along with the extra perks, it’s important to take APRs into consideration if you’re just starting out. The right business card should help your new business take off, not leave you drowning in extra fees.

American Express® Business Gold Card

American Express® Business Gold Card

Earn 35,000 Bonus Membership Rewards Points

American Express® Business Gold Card
  • Regular Purchase APR 14.24% to 22.24% variable based on creditworthiness and the Prime Rate
  • Annual Fee $295
  • Credit Needed Excellent , Good
  • Processing Network American Express
Best Benefits
  • Pick 2 categories for the 4X bonus
  • 4X points made directly from select technology providers of computer hardware, software, and cloud solutions
  • 4X points at gas stations
  • 4X points at restaurants
  • 4X points for shipping
  • 4X points on advertising (online, TV, radio)
  • Earn 1X points on all other purchases
  • Pay Over Time Option: A flexible payment option to help manage cash flow on purchases of $100 or more
Rates & Fees
  • Regular Purchase APR: 14.24% to 22.24% variable based on creditworthiness and the Prime Rate
  • Penalty APR: 29.24% variable based on the Prime Rate
  • Annual Fee: $295
  • Late Payment Penalty Fee: $39 or 2.99% of any past due Pay in Full amount, whichever is greater
  • Return Payment Penalty Fee: $39
Credit Card Deals
  • Spend $1,000 or more, get $200 back - Offer Expires on November 30, 2020 - See Details
  • Spend $50 or more, get $10 back - Offer Expires on December 31, 2020 - See Details
  • Spend $9.99 or more, get $9.99 back - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

If you have the upfront funds for the annual fee, the American Express® Business Gold Card is hard to beat. Not only can you earn up to 4X rewards, but you also get to choose 2 top earning categories. This means you can customize your rewards to your business needs, whether that’s shipping, computer hardware, or even advertising. You’ll get tools to manage your expenses as well, like vendor pay, with no preset spending limit.

Southwest Rapid Rewards® Performance Business Credit Card

Southwest Rapid Rewards® Performance Business Credit Card

Earn Up to 100,000 Bonus Points

Southwest Rapid Rewards® Performance Business Credit Card
  • Regular Purchase APR 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 24.99% variable based on the Prime Rate
  • Annual Fee $199
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • Earn 70,000 bonus points when you spend $5,000 in the first 3 months, and an additional 30,000 bonus points when you spend $25,000 total within the first 6 months of account opening
  • 9,000 bonus points each year on your cardmember anniversary
  • Earn 3x points per $1 spent on Southwest Airlines® purchases
  • 2x points on social media, search engine advertising and business utilities
  • 1x points on all other purchases
  • 4 upgraded boardings per year
  • $100 statement credit for Global Entry or TSA Pre?® fee
Rates & Fees
  • Regular Purchase APR: 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 24.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
  • Penalty APR: 29.99%, based on the Prime Rate
  • Annual Fee: $199
  • Late Payment Penalty Fee: $39
  • Return Payment Penalty Fee: $39
Credit Card Deals
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
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For the travel-minded business owner, the Southwest Rapid Rewards® Performance Business Credit Card offers some of the best value. Every dollar spent with Southwest Airlines earns 3 points, along with 2X points on advertising, internet services and more. In addition to a signup bonus, you’ll also receive bonus rewards on your cardholder anniversary. Meanwhile, the Global Entry credit, in-flight Wi-Fi credits, and upgraded boarding will ensure your time at the airport – and in the air – will be well-spent.

How to Choose the Best Credit Card Offer for You

With thousands of options available, it can be difficult to narrow down your choices and find the right credit card for your wallet. Not to mention, issuers announce more offers every day under new partnerships and deals, so even the top credit cards for 2020 may differ from one quarter to the next.

The first step is to determine the type of credit card you need. Are you looking for introductory APRs and low rates to help you pay off a balance, or are you ready for big rewards? You can even find yourself somewhere in between, as many cardholders do.

Factors to Consider

Each type of credit card serves its own purpose, and therefore has unique characteristics to look out for. Moreover, you need to pick the card that best fits your spending habits. Choosing the wrong card can mean losing out on valuable benefits or paying more than you have to in fees and interest. Depending on the credit card category, you’ll want to ask questions like:

  • Does my credit score qualify me for this card at a good rate?
  • Are the APRs manageable if I have to carry a balance?
  • Will I be able to pay off my balance within the introductory period?
  • Do the card’s benefits offset the annual fee it charges?
  • Does this card complement any other cards I have in my wallet already?

When extra perks and rewards come into the picture, you’ll have some additional questions to address. These include, but aren’t limited to the following:

  • What categories do I spend the most in each month?
  • Is there a cap on the rewards I can earn?
  • Do these rewards expire?
  • Is the spending requirement for the signup bonus realistic for my finances?
  • Are the additional benefits worth any higher APRs, and will I take advantage of them often?

How BestCards Chooses the Top Credit Cards for You

The BestCards team prides itself on offering impartial and impactful reviews of the leading credit card offers from issuers both big and small. Our team considers a wide variety of factors before selecting the top credit cards in each category. These factors include:

Interest Rates

We emphasize APR when evaluating a credit card because it is something many unwittingly overlook. Credit card interest isn’t a one-off payment – it compounds. Compound interest means you will pay interest on your interest, should you not pay your bill in full multiple times. And, with the average interest rate on a credit card at around 17%, those charges can quickly accumulate.

Evaluating APR also encompasses penalty APR, the balance transfer APR, and cash advance APR. These are interest rates for specialty transactions, or – in the case of penalty APR – making late payments. It’s not all doom-and-gloom, however. We also place particular emphasis on 0% introductory APR periods.

Credit Needed

Excellent rewards and impressive perks don’t mean a thing if you won’t be approved. Understanding credit requirements is critical for choosing a credit card. After all, most credit card applications result in a hard inquiry, which can negatively impact your credit score.

Repairing credit can be challenging, mainly when some card issuers only target their products towards those with good or excellent credit scores. Our team strives to highlight the best credit cards for bad credit, paying close attention to the ease of application, the credit limits available, potential credit limit increases, and the ability to use the card to build credit quickly.

Rewards

One of the most important considerations when reviewing a rewards card is the value of the points on offer. Because these values change frequently, however, the inherent value of points fluctuates.

How consumers earn those rewards points or miles is just as crucial as their value. As a general rule of thumb, cards with complicated rewards structures provide limited value to the average individual. Sure, these cards offer exceptional value to the seasoned traveler or credit card churner, but to the average person, it likely isn’t worth the hassle.

Other Considerations

Other considerations include:

  • Fees
  • Customer service
  • Other intangibles

For more information on how the BestCards team evaluates each credit card offer, please read our Credit Card Review Methodology

Browse Hundreds of the Best Credit Card Offers Today!

The reviews and resources at BestCards.com are designed to help you answer these questions so you can choose the top credit cards for your wallet. Find your credit card match today!