TOP RATED BUSINESS CREDIT CARDS

Top 5 Credit Cards for 2020

Hello Friends, as we welcome a new year, it is important to consider your financial goals and strategies. Credit cards have become an integral part of our lives, from online shopping to booking flights and hotels. Choosing the right credit card is important to make the most out of your finances. In this article, we will discuss the top 5 credit cards for 2020 based on their benefits and features.

1. Chase Sapphire Preferred Card

The Chase Sapphire Preferred Card is a popular credit card among travelers and food enthusiasts. It offers a sign-up bonus of 60,000 points after spending $4,000 on purchases within the first three months. This can be redeemed for $750 in travel expenses or transferred to frequent travel programs. In addition, it offers 2x points on travel and dining, and 1x point on all other purchases.

Furthermore, cardholders receive valuable perks such as trip cancellation and interruption insurance, primary auto rental insurance, and baggage delay insurance. The annual fee is $95, but it is waived for the first year.

Benefits and Features of the Chase Sapphire Preferred Card:

  1. Sign-up bonus of 60,000 points worth $750 in travel expenses
  2. 2x points on travel and dining, 1x point on other purchases
  3. Trip cancellation and interruption insurance
  4. Primary auto rental insurance
  5. Baggage delay insurance

2. American Express Gold Card

The American Express Gold Card is a great choice for those who enjoy dining out, grocery shopping, and traveling. It offers a sign-up bonus of 35,000 points after spending $4,000 on purchases within the first three months. This can be redeemed for $350 in travel expenses or transferred to frequent travel programs. In addition, it offers 4x points at restaurants and grocery stores, 3x points on flights booked directly with airlines or on amextravel.com, and 1x point on all other purchases.

Furthermore, cardholders receive valuable perks such as $120 dining credit per year, $100 airline fee credit per year, and baggage insurance plan. The annual fee is $250, but the value of the benefits outweighs the cost for frequent travelers and diners.

Benefits and Features of the American Express Gold Card:

  1. Sign-up bonus of 35,000 points worth $350 in travel expenses
  2. 4x points at restaurants and grocery stores, 3x points on flights
  3. $120 dining credit per year, $100 airline fee credit per year
  4. Baggage insurance plan

3. Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card is a great choice for those who want a simple and flexible reward program. It offers a sign-up bonus of 50,000 miles after spending $3,000 on purchases within the first three months. This can be redeemed for $500 in travel expenses or transferred to frequent travel programs. In addition, it offers 2x miles on all purchases.

Furthermore, cardholders can redeem their miles for travel expenses, statement credits, gift cards, and more. The annual fee is $95, but it is waived for the first year.

Benefits and Features of the Capital One Venture Rewards Credit Card:

  1. Sign-up bonus of 50,000 miles worth $500 in travel expenses
  2. 2x miles on all purchases
  3. Flexible redemption options

4. Citi Double Cash Card

The Citi Double Cash Card is a unique credit card that offers cash back on all purchases. Cardholders earn 2% cash back on every purchase, 1% when they buy and 1% when they pay for their purchases. There are no limits on the amount of cash back that can be earned.

Furthermore, cardholders can redeem their cash back for statement credits, direct deposit, and gift cards. There is no annual fee for this card.

Benefits and Features of the Citi Double Cash Card:

  1. 2% cash back on all purchases
  2. No limits on cash back earnings
  3. Flexible redemption options
  4. No annual fee

5. Discover it Cash Back

The Discover it Cash Back is a great choice for those who want to earn cash back on specific categories throughout the year. It offers 5% cash back on different categories each quarter, such as gas stations, grocery stores, restaurants, and more. In addition, it offers 1% cash back on all other purchases.

Furthermore, cardholders can redeem their cash back for statement credits, direct deposit, and Amazon.com purchases. There is no annual fee for this card.

Benefits and Features of the Discover it Cash Back:

  1. 5% cash back on rotating categories each quarter
  2. 1% cash back on all other purchases
  3. Flexible redemption options
  4. No annual fee

Conclusion

Choosing the right credit card is important to make the most out of your finances. We have discussed the top 5 credit cards for 2020 based on their benefits and features. Whether you are a traveler, food enthusiast, or cash back lover, there is a credit card that suits your needs. It is important to read the terms and conditions carefully before applying for any credit card. Happy shopping and traveling!

TOP RATED BUSINESS CREDIT CARDS

Stay tuned for more financial tips and advice on our website.

References:

  • https://www.foxbusiness.com/money/top-5-credit-cards-for-2020
  • https://thepointsguy.com/guide/best-business-credit-cards/
  • https://www.usatoday.com/story/money/2019/07/31/best-credit-cards-2019-reviewed/39816561/
  • https://www.business.com/articles/best-credit-cards-for-small-business-owners/
  • https://www.canstar.co.nz/credit-cards/small-business-credit-card-ratings/

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