credit card

Best Credit Cards in US in 2020

There are so many credit cards available in the financing world that it has become difficult to choose which one is the best. In fact there is no credit card which is best with respect to all the services it provides. The tag “best” changes depending upon your needs, your expenditures, your savings, and your pay. In short, the best credit card for an independent worker will be different from a budget-conscious family person.

Without any further ado, let’s talk about the best credit cards for you.

  • Capital One Quicksilver Cash Rewards Credit Card: If you travel often, then this is the best choice for you. You will be getting 1.5% cash back and 2 miles on 2 dollars you spend. It also provides credit for Global Entry or TSA Precheck up to 100 dollars.

With no foreign transaction fee, you can do international transactions without any worry. The fee is 0 dollars for the 1st year, then 95 dollars per year.

Accident insurance, 24-hour travel assistance services, and an auto rental collision damage waiver are some extra perks that you can enjoy with this card. Read more and apply.

  • Discover it® Secured: If your previous experience with credit card was not good then you should move onto this best-secured card. You will get decent cash back in your daily life purchases with double earning at the end of the first year. There is no annual fee and minimum spending requirement but a security deposit of 200 dollars.

After eight months, Discover will review your account to see if your security deposit can be returned and also if you can upgrade to an unsecured card.

One thing which you need to consider is that it is not as widely accepted as VISA and MasterCard. Read more and apply.


  • Chase Sapphire Reserve: Providing 300 dollars annual credit for travel purchases, it is best for frequent travelers who are looking for luxurious perks and discounts along their journey.

With Priority Pass, you can get lounge access at 1,000+ VIP lounges in over 500 cities worldwide. You can get 50% added value in your account when you will use your points for travel through Chase Ultimate Rewards. Also the card offers unlimited deliveries with no delivery fee on food purchases.  Reduced service fee on orders worth more than 12 dollars is also a perk u can get from this card.

One thing which counts is its high fee which is 550 dollars for a year. Read more and apply.


  • The Platinum Card® from American Express: The luxury perks and the generous rewards offered by the card are tough to beat. The card offers 5 Membership Rewards points on flights booked with airlines or with American Express Travel service and hotels booked on the website

In the U.S you can enjoy Uber VIP status. Along with this comes free rides up to $15 every month, with a bonus 20 dollars in the last month of the year. The annual fee is 550 dollars but you will get a lot for it including hotel loyalty programs, gold status with Hilton and Marriott, and airport lounge access. Read more and apply.