Date: 2020-07-08 22:30:02


These are the best credit cards of 2020, my own recommendations, and which credit cards are the best value for all of your spending – Enjoy! Add me on Instagram: GPStephan

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Best for Cash Back: Citi DoubleCash Rewards Credit Card.
They will give you UNLIMITED 2% cash back…on EVERYTHING…1% when you make a charge to your account, and then another 1% when you pay off your balance. It’s as easy as that. In addition to that….they’re also offering a 0% interest on charges made within the first 18 months…so, if there’s anything you need free financing for, or if this is a way for you to otherwise avoid paying a ton of interest – this one works great. All with a NO ANNUAL FEE.

Best for Travel: Chase Sapphire Reserve
You’ll get 50,000 points when you spend $4000 on the card within the first 3 months – and those 50,000 points have a VALUE of about $750 when you redeem that for travel or straight up cash back. You’re also going to be getting a $300 travel credit that applies to nearly anything travel related, like hotels, parking meters, airbnb, uber, airfare, timeshares, you name it – to me, this is pretty much just like free money because we’ll all spend about $300 on this per year on stuff, anyway. You’ll also get a $120 Statement Credit For Doordash Deliveries, and free DashPass for 2 years – which is worth another $120 per year. You’ll also get 1 year of complimentary Lyft Pink when you activate the service using your card – and that’s a $240 value. AND a whole bunch of other perks and services that are too much to mention.

Best for Dining: American Express Gold Card
When you sign up for this card – you’ll get a sign-up bonus worth anywhere from 35,000 to 50,000 points when you spend $4000 within the first 3 months. They’re also going to give you a $120 dining credit each year, which works out to a $10 per month statement credit when you pay at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. You’re also going to be getting 4x points back on Restaurants and Supermarkets which – again, depending on how you redeem those points – that could essentially work out to be the equivalent of 8% cash back off your purchase…and that makes this one REALLY good for all that grocery and restaurant spending.

Best Sign Up Bonus: Chase Sapphire Preferred
This one wins the “BEST SIGN UP BONUS” category because you’ll get 60,000 points when you spend $4000 within the first 3 months…and those points are worth $750 worth of travel or cash back. Like I mentioned, Chase has that new system available for you to “pay yourself back” on your credit card bill, and with this card, each point is worth 1.25 cents back.

Best for 0% Interest: The Capital One Quicksilver Card.
I like this because they charge no annual fee, they give you 0% interest for 15 months on BOTH balance transfers AND purchases, they’ll give you 1.5% cash back…AND…they will give you a $150 cash bonus when you spend $500 within the first 3 months.

Best Overall Credit Card for 2020: Chase Freedom Unlimited
To start, there’s no annual fee. You’ll get 1.5% unlimited cash back on every purchase and 5x points on LYFT…which is AWESOME. You’ll also get $200 cash back when you spend $500 within the first 3 months…which is even BETTER than the Capital One Quicksilver Card…and you’ll get 0% interest for the first 15 months on all of your purchases… all with no annual fee….what’s not to like?

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*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

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