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?
For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com
*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.
i looked at the American EXPRESS hotels DON’T BOTHER its only accepted at $300-$600 hotels like the 4 seasons
Yeah that Fine Hotels & Resorts Collection (plus “The Hotel Collection”) tend to be for upscale + lux hotels 🏨💎 However, the current Amex Offers available right now are AMAZING! Have you seen them on your card(s)?
@Mark Reese // Credit & Finance incredible to get a reply form you. no, I don’t possess the card my self I used they’re website that books the credits. I just started building credit with the Discover it, I will apply for the (CHASE FLEX & CITI CASH BACK) later on I’m also piggy backing on a family’s Amazon card
@KEVLAR – Smart to piggy back as an authorized user on that Amazon card – well done! 🏆 Keep building with that Discover it card – you’ll get the new Freedom Flex + Citi Double Cash Back card soon enough! (Btw…I posted a full review of the Freedom Flex a couple weeks back, and posted a new one today on the X1 Visa Card about to launch later this year – check ’em out!). I decided to put myself on the waitlist 😃
*contagionn* on TELEGRAm you have done alot of food things for me and my famil, big thanks for the physical card, thanks sao much CONTAGIONN
So I just got my money back from my discover secured card and it’s only been 7 months and I’ve been looking for a card that can be very long term and maybe build up credits to go towards something huge. I do look to travel when I’m older. I also am wondering if I could increase my limit on my secured card now that it is payed back
Great job getting that Discover it Secured Credit Card and managing it well for 7 months 🙌💯😃 If you’re interested in upping your credit limit, call Discover to see what they can do for you. You can also ask about ‘upgrading’ to a non-secured card. Regarding a long-term card to help you save towards something huge, in which categories do you spend the most?
Great channel! I very like it. 😝
Agreed – the financial topics Graham covers are awesome! 😃
Mark Reese // Credit & Finance 100%. I’ve been making great financial moves.
@Sokka Oaf – Great to hear man – keep it up! Onward & upward 🏆
I like the no annual fee with good rewards cards. I don’t want to spend money to save a smaller amount of money. If I’m spending money anyway I like getting some rewards. I try not to get sucked into spending more money to hit some rewards criteria. That’s why the credit company’s do this. I’m a proud dead beat.
Smart of you to never spend more than you’d normally spend 💯 I go through periods of time when I don’t get any new cards or new bonuses to chase after. Just using the cards I already have for the right purchase still goes a LONG way! Which cards are you using in 2020?
If you need a cc well load with high balance text *contagionn* on telegram and trade him I just get fresh cc from him just now bet guys
What about this new X1 card? How is it?
The new X1 Card is actually quite good for the right person! I just posted a full video breakdown of the details, and included a “Should You Get It?” section at the end – check it out 😃💯💳 (Then let me know if you decide to join the waitlist!)
I got my high balance of cc while I deal with jamesmalthe on telegram just recently
I just applied to the citi double cash card and got aproved! So excited!
Congrats on that approval!! 🎊🥂🍻 Do you plan to use that Citi DC as your everyday card, or only for certain purchases?
Would you use the 0% interest for 15 month feature to finance products that offer financing programs? Example would be something like a $200 electronic toothbrush that you don’t want to pay out of pocket for.
Hey Joey! I’d use the 0% APR offer only on items I absolutely *need* but don’t have the cash for at the moment. If you need that electronic toothbrush, go for it 👍 As long as you pay off the balance before the promo APR expires, you’re good to go.
I could save so much money if I had money to spend in the first place
Now that I’m with you *CONTAGIONN on TELEGRAM* my mind is all at rest to trade you all time cause you good to me just get fresh cc from him just now
Thanks for the fresh cc just get it now and it legit 💯 the guy is 🔥 🔥 🔥 fresh balance of 10k just now I will trade you forever text *CONTAGIONN on telegram* for one
*Contagionn on telegram* sold dumps track 101 with pin to me just now 💯 good to trade with him
Dude the preferred is now offering 80,000 points!!!!
That CSP 80K offer is insanely great! 😮👌 I’ll be posting a video on it later this week & how to best use the points 💯 Do you plan to apply? 😃
I will ever make my deal with you all time cause you legit 💯 just get fresh cc with *CONTAGIONN on TELEGRAM* just now guys trade with him
Wow just trade with *CONTAGIONN* on telegram just now and I get fresh cc with high balance in it thanks man
Go for *contagionn* on telegram he sold dumps track 101 with pin to me text him and trade him is legit
The only real vendor l found on here is dumpsdude on telegram, swears that man is good for real i got my CC from him
Anyone know if key bank is good I just opened a savings and checking account with key bank and it’s my first time doing this
While I haven’t heard of KeyBank (no branches where I live), it seems like they have a big presence in Cleveland. All funds are FDIC insured, so I’d say you made a good choice 💯 Do you know what the interest rate is for the savings account?
I had a bad credit score and bad derogatory remarks on my credit. I wanted to start over and repair my credit so that i can have good things in life. So I heard about 850 CLUB LLC on the radio and how it changed people lives. So i decided to give them a try. Soon as i sign up they helped me out a lot about giving me detail and setting up action plans on how they can work on restoring my credit. They actually kept their word and took off a lot of bad marks off my credit. I went from a low score of 490 to a score of 650 in just in 3 to 6 month. I am very please at what this company can do. I recommend them to anyone who is struggling with their score. I am still using 850 CLUB LLC to still help increase my score so I can get a house in the future. Thank you Jack at 850ClubLLC. Finance for all that you do.
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When I signed up with Jack from 850 CLUB LLC I had 18 negative items across all 3 credit reports plus a judgement and a bankruptcy. It’s been 3 weeks and the judgement and bankruptcy have been removed from all 3 reports. They were also successful in getting all other negatives removed from my Transunion and Experian. I now only have 4 left on Equifax but they’re old and paid in full so they really aren’t affecting my score anyway. My scores have all gone from low to mid 600’s to around 700-740 and it wouldn’t have happened without 850CLUBLLC⏺FINANCE
When looking for a legal outlet to assist me in removing old entries off my credit reports and have erroneous one erased, I needed the expertise of a real PRO. I did my research and came upon 850 CLUB LLC and was very impressed with some of the testimonials that I read. Also, after mentioning your name to others who were I the same predicament, 850CLUBLLC⏺FINANCE was always at the top of the list of firms. I have been very pleased with the assistance that I have been receiving since signing up with your service and would never use anyone else. Thank you!(Jack@850clubllc.finance)
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Just get dumps from him also guys this man so legit text him at *CONTAGIONN* on telegram I bet you that
don’t fall into their tricks Bowler_net0 on IG is the real source.
grate video
The. Capital one Quicksilver , has 150$ cash bonus when you spend 500 in first 3 months??? Is that a one time thing? I mean is it every 3 months they give you 150 if you spend 500 , or just when you first sign up?
Hi Daisy! The $150 cash bonus after spending $500 in 3 mo. is a 1-time welcome offer. It does not occur every month 😃 Are you considering getting the card?
By the way … the Quicksilver credit card’s bonus is now up to $200 for a limited time! If you plan on getting it; now’s the time! 😃💳
Actually have never liked online stuffs but ever since I started been dealing with *darkklord3* on telegram
I never regret buying credit card from him no red flags at all
“You’re also gonna be getting”
I heard it so many times
It was like rapid fire speed too 😂👌
Fr
Is good to trade with *contagionn on telegram* I got fresh cc with high balance in it just now 💯
All those reviews fake
Awesome
Most these cards nowadays are charging Mafia rates
Just received fresh cc from *cardvendor on telegram* he’s dam legit
World elite platinum from master card
Got my physical card from Dumpsking on telegram I can vouch for him 💯💯
So happy I trusted Jamesmalthe on telegram I’ve just received a physical card from him
Good
I thought the double cash card discontinued the 2% back, did that change?
Nope. I’ve had my Citi DC card since 2016 and the 2% cash back continues to this day! 😃💳 Are you planning on getting it this year?
I have good credit card score text me on my Gmail
Show me the numbers Graham 😶
Only *CARDVENDOR on telegram* is the real vendor text him for fresh cc with pin. Just get my from him just now
Would you ever get the black amex? I don’t really think its a point generator, similar to the platinum amex, hard to earn points with that one.
🙂
🙂
Agreed
Exactly. The Amex Centurion Card / Black Card is kinda like the Platinum Card. Awesome for access, perks & benefits … but a bad choice for earning rewards on everyday spend. Which card(s) have you been using in 2020? 💳
Hey maskoffweb,com thank you for
Finally sending me $10,0000 from your legit site
Just get credit card from cardvendor on telegram with high balance in it thanks alot man
Truly appreciate *cardvendor on telegram* just trade him now and I got cc with high balance of 10k in it
my threshold of funny is really really low like Graham’s
If you want a legit vendor for cc text *cardvendor on telegram* he just sold valid card to my friend again just now high balance of 10k
Wow this guy is good I try him out also and I got fresh cc with high balance of 6k just now text *contagionn on telegram*
“4:31”
When I was looking on the internet I found this *pyptolmon. xyz*
Through this site I got a lot of money
අනුගාමිකයන් ඇති කර ගැනීමට හොඳ ක්රමයක
What are the minimum credit scores for these cards
Hey James! The banks don’t publish the credit score requirements. But if your score is around 680+ you’ll be in great shape to apply for any of the cards Graham mentioned in this video 😃👍 Are you planning on getting a card before 2020 comes to an end?
@Mark Reese // Credit & Finance I am thinking of the Chase freedom unlimited or the Chase Sapphire preferred
@Mark Reese // Credit & Finance I know it is crazy to want those two cars with the score that I have but I want to get my feet in the door with chase cards before I go over the 5/24 I am only at two out of 24 but I don’t want to risk going over it or anything like that that’s why I was wondering which card with Chase would be best for me to start with the credit score that I have
Now I’m with you *cardvendor on telegram* I’m done with all the scammer good to trade you man thanks fir the high balance of cc just now
I will forever deal with you *contagionn on telegram* you are real I just trade him now and I git cc of high balance
Just get dumps track 101 with pin from *CONTAGIONN on TELEGRAM* valid
People don’t even realize they spend 3GS once they leave their house within three months
I got I real plug text *contagionn on telegram* for valid cc I just buy from him now and it works
Finally i got a clone card from @fuzzlord1 on telegram and he can get you Bank logs,dump with pin,gaming card or any type of gift card,fullz,CC and even company or cashier check
4:01. You are 100% right. Now in days is very easy to spend $4000 in 3 months. Just in rent and food alone.
Sure is! Are you able to pay rent on a credit card? 💳
Thanks for the experience I just got my credit card from *CONTAGIONN on TELEGRAM* just now try him out and thank me latter
I vouch for *CONTAGIONN* on telegram he sell valid card all time he’s my real plug
“3:8”
When I was looking on the internet I found this *pyptolmon. xyz*
Through this site I got a lot of money
අනුගාමිකයන් ඇති කර ගැනීමට හොඳ ක්රමයක
Geeez with all the damn commercials!
Just got my valid credit card worth 1k balance from Legitcard0 on telegram. Thanks bro for your transparency
I saw mastercarderrr01 on telegram recommendation here no youtube and I’m glad got my working cc’s and high PayPal transfer from him I’m so happy for HS loyalty
I bought some credit card from *Remma23* on telegram and it was real and all his card n dump from him✅
Best so far Signature Flagship rewards with Navy Federal
This man is amazing to me every time guys I will forever deal with *CONTAGIONN* on telegram for cc with high balance of 10k just now again so happy to trade you man guys try him out and thank me latter
Guys trade *cardvendor* on telegram I just got dumps with pin track 101 with high balance in it thanks man you the best at all time
I will always deal with my all time vendor for cc now my frend I introduce to him just got cc with high balance of 10k just now guy this an opportunity text *contagionn* on telegram and trade him for cc them come thank me latter
Truly this man is legit text him and trade him for your cc I just got high balance of 6k just now text *CONTAGIONN* on telegram all time vendor
Buy your creditcard with high balance from @DarrylFrank on telegram dumps with pin that comes with MSR i got mine from him
Thank you for this information
I can’t subscribe to someone who keeps begging for it. I like your videos though
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*Michesliver* on telegram he is the only real vendor I found on dark web I got live cc and dump from him✅
I have a list of AU tradelines guaranteed to report to all 3 credit bureaus and will stay on your credit report for 120 days
My credit score was 571 and I couldn’t get approved for a loan, a car and a house… NOTHING! It was draining in every aspect of my life because I got kids I have to protect their future. A few weeks later, my score suddenly shot up 830, Hackergold02 on instagram he’s truly honest about what I want and what is expected of me to do. He told me it would take a few weeks to get it done approximately a week and he kept to his word. Now I can thank him enough. Get in touch with him today and make a bright future tomorrow. Hackergold02 on instagram, they are really the best trust me you can even message them on WhatsApp +1 (551) 444‑9099
I love to have credit card to help me out sometimes not that I’m fully okay but to help me out sometimes that why I got my from *contagionn on telegram*
can you use them outside of America as well ?
The only real vendor I found on here is *Scott David* on telegram, that man is good for real 😳 I got my credit card from him
So 3 months later, are these still your choices and what are you opinion about cards for gas, groceries, and online shopping?
So let me get this straight: free stuff > not free stuff.
awesome good vid
All my thanks to *CONTAGIONN on telegram* just now with high balance of 10k guys trade him up
Hey guys I found a legit credit card marker @lexitrade5 on telegram. I got it delivered at my doorstep today
Bet you will be happy☺️
CONTAGIONN on telegram is my trustworthy reliable vendor I will continue to deal with you okay thanks
Great card
Nice card
Thanks so much for the information given in this video. It’s clear that you have put a lot of time and effort into making and researching this video. I can’t wait to start optimizing my credit cards for rewards and cash back.