The 4 Best Credit Cards Available for November 2020

Photo by Zivica Kerkez / Shutterstock.com

Money Talks News has partnered with CardRatings for our coverage of credit card products. Money Talks News and CardRatings may receive a commission from card issuers.

Smartly used credit cards serve a variety of needs. They help with managing older debt, bridging blips in cash flow and building credit, and they provide benefits, savings and rewards.

As we approach the holiday shopping season, a variety of new and recent credit card offers can help in each of these areas. Here’s a quick look at the top cards available right now.

Best cash-back card

Blue Cash Preferred from American Express

Why we like it: The Blue Cash Preferred Card offers a very strong 6% cash back on the first $6,000 per year spent on supermarket purchases and 3% cash back spent at gas stations in the U.S. Plus, for a limited time, you also earn a $250 statement credit after you spend $1,000 with the card within the first three months.

What to know:

Blue Cash Preferred from American Express
American Express
  • 6% cash back on up to $6,000 spent at U.S. supermarkets per year, and 1% cash back after that amount
  • 6% cash back on certain U.S. streaming subscription services
  • 3% cash back on spending at U.S. gas stations and for taxi or rideshare service
  • 1% cash back on other purchases
  • 0% introductory APR on purchases for 12 months
  • $95 annual fee

Note: Cash back is redeemed as statement credits.

Best overall card bonuses

Chase Sapphire Reserve

Why we like it: The Chase Sapphire Reserve card offers a sign-up bonus of 50,000 Ultimate Rewards points after you spend $4,000 with the card within the first three months. Redeeming those points for travel through the Chase website adds 50% to their value, for a bonus worth $750.

What to know:

Chase Sapphire Reserve
Chase
  • Get 50,000 bonus Ultimate Rewards points after spending $4,000 on purchases in the first three months from account opening.
  • Earn 10 points per $1 spent on Lyft rides through March 2022.
  • Earn 3 points per $1 spent on travel and dining.
  • Earn 3 points per $1 spent on up to $1,000 in grocery store purchases per month through April 2021.
  • Earn 1 point per $1 spent on everything else.
  • $300 annual travel credit.
  • A free year of Lyft Pink membership.
  • Complimentary DashPass delivery subscription.
  • Global Entry or TSA Pre-check application reimbursement up to $100.
  • $550 annual fee.

Note: The annual fee looks high, but is offset by the $300 annual travel credit and other card benefits, including food delivery and rideshare services and airport lounge access.

Best card for travel

Capital One Venture Rewards Credit Card

Why we like it: An early spending bonus offer of 60,000 miles when you spend $3,000 within the first three months is worth $600 in travel.

What to know:

Capital One Venture Rewards Credit Card
Capital One
  • Earn 2 miles per dollar on every purchase.
  • Get a $100 credit on Global Entry or TSA PreCheck.
  • Extended warranty protection.
  • Travel accident insurance.
  • No foreign transaction fee.
  • $95 annual fee.

Note: This card has a $95 annual fee. The Capital One VentureOne Rewards Credit Card does not, but doesn’t have the same early spending bonus offer and offers a lower rate of return.

Best no-interest card offer

Citi Diamond Preferred

The Citi Diamond Preferred card is a good choice for people transferring a balance, thanks to the introductory 0% APR on both balance transfers and new purchases for the first 18 months.

What to know:

Citi Diamond Preferred
Citi
  • 0% introductory APR on balance transfers for 18 months, with a balance transfer fee of $5 or 3%, whichever is higher
  • 0% introductory APR on new purchases for 18 months
  • Free access to your FICO Score
  • No annual fee

Note: This card has a 3% foreign transaction fee, so plan accordingly for international travel.

Click here for more details on these cards and to compare them with other offers.

Looking for something else in a credit card? Use our credit card search tool to find the best card for you, no matter what you need or where you’re at.

Disclosure: The information you read here is always objective. However, we sometimes receive compensation when you click links within our stories.

Read Next
7 Hidden Sections of Amazon Every Shopper Should Know
7 Hidden Sections of Amazon Every Shopper Should Know

These little-known departments of Amazon are gold mines for deal-seekers and impulse shoppers alike.

The Best and Worst States for Raising a Family in 2021
The Best and Worst States for Raising a Family in 2021

These states have big advantages or disadvantages when it comes to choosing a home for your family.

7 Surprising Advantages of Downsizing as a Retiree
7 Surprising Advantages of Downsizing as a Retiree

Downsizing your home offers many benefits, including some you may not have anticipated.

9 Indestructible Products That Are Worth the Price
9 Indestructible Products That Are Worth the Price

If you’re willing to pay a little more for these products, you may never have to shop for another again.

Want a Healthy Retirement? Turn This Device Off
Want a Healthy Retirement? Turn This Device Off

A common behavior becomes increasingly dangerous for those who are 50 or older.

View this page without ads

Help us produce more money-saving articles and videos by subscribing to a membership.

Get Started

Most Popular
10 Things Frugal People Never Buy
10 Things Frugal People Never Buy

If you’re a true tightwad, the mere thought of spending money on these items gives you the willies.

10 Useless Purchases You Need to Stop Making
10 Useless Purchases You Need to Stop Making

You might as well flush your money down the loo if you spend it on these things.

7 Social Security Rules Everyone Should Know by Now
7 Social Security Rules Everyone Should Know by Now

Confusion over Social Security is a shame, considering how many of us will need this money badly.

Why Your Next Stimulus Check Might Be Bigger Than You Expect
Why Your Next Stimulus Check Might Be Bigger Than You Expect

Your third coronavirus payment will be the biggest yet — and possibly even bigger than you realize.

9 Shopping Mistakes to Avoid at Costco
9 Shopping Mistakes to Avoid at Costco

Are you missing out on serious savings at your favorite warehouse club?

If You Find This Thrift Shopping, Buy It
If You Find This Thrift Shopping, Buy It

They don’t make coffee makers like this anymore.

The 16 Cars Most Likely to Last 200,000 Miles
The 16 Cars Most Likely to Last 200,000 Miles

One automaker takes half the spots on a list of the longest-lasting vehicles.

3 Ways to Get Microsoft Office for Free
3 Ways to Get Microsoft Office for Free

With a little ingenuity, you can cut Office costs to zero.

14 Things You Should Stop Buying in 2021
14 Things You Should Stop Buying in 2021

These convenient household products come with hidden costs that you might not have considered.

Is Writing a Check Still Safe?
Is Writing a Check Still Safe?

Every time you pay by check, you hand your bank account numbers to a stranger.

6 Ways to Protect Your Retirement Accounts From Hackers
6 Ways to Protect Your Retirement Accounts From Hackers

Imagine having $245,000 stolen from your retirement account — and not being reimbursed.

8 Things You Should Replace to Improve Your Life Today
8 Things You Should Replace to Improve Your Life Today

Being frugal isn’t smart if you put off replacing these items.

13 Amazon Purchases We Are Loving Right Now
13 Amazon Purchases We Are Loving Right Now

These practical products make everyday life a little easier.

This Is the Most Dependable Car Brand in the U.S.
This Is the Most Dependable Car Brand in the U.S.

This brand’s vehicles are least likely to give drivers repair headaches, according to J.D. Power.

7 Social Security Benefits You May Be Overlooking
7 Social Security Benefits You May Be Overlooking

There’s more to Social Security than retirement benefits.

The 6 Best Investing Apps for Beginners
The 6 Best Investing Apps for Beginners

If you’re looking to ease into investing in the coronavirus economy with just a little money, check out these easy-to-use tools.

7 Income Tax Breaks That Retirees Often Overlook
7 Income Tax Breaks That Retirees Often Overlook

Did you realize all these tax credits and deductions exist — or that they apply to retirees?

7 Kirkland Signature Items to Avoid at Costco
7 Kirkland Signature Items to Avoid at Costco

Even if it seems you save a bundle buying Costco’s Kirkland Signature brand products, they may not be the bargain they appear to be.

Homeowners Say These 2 Kitchen Appliance Brands Are Best
Homeowners Say These 2 Kitchen Appliance Brands Are Best

One brand takes five of the top honors, while another ranks highest in three categories.

View More Articles

View this page without ads

Help us produce more money-saving articles and videos by subscribing to a membership.

Get Started

Add a Comment

Our Policy: We welcome relevant and respectful comments in order to foster healthy and informative discussions. All other comments may be removed. Comments with links are automatically held for moderation.