Best Credit Cards for Millennials and Young Adults (2020)

my millennial guide

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4 Best Credit Card Offers for 2020

Best Offer

on ABOC’s secure website, or call (800) 365-6464

Annual Fee: None
Regular APR: 12.90% – 22.90% Variable APR
Intro APR: 0% on Purchases for 12 months

  • INTRO OFFER: Earn a $150 statement credit after you spend $1,200 in purchases on your new Card within the first 3 months.
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel and automotive
  • Earn points on every single purchase, every time. $1 = 1 point. Your points never expire, and you can use it for cash (statement credit), gift cards, travel and merchandise.

Best Cash Back Credit Card

 on Discover’s secure website, or call (800) 3470264

Annual Fee: None
Regular APR: 14.24% – 25.24% Variable APR
Intro APR: 0% on Purchases and Balance Transfers for 14 months

  • INTRO OFFER: Discover will match ALL the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases – automatically.

Best Low Interest

on American Express’s secure website, or call (866) 512-6673

Annual Fee: None
Regular APR: 15.24% – 26.24% Variable APR
Intro APR: 0% on Purchases and Balance Transfers for 15 months

  • INTRO OFFER: Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.

Best Balance Transfer Credit Card

on American Express’s secure website, or call (866) 512-6673

Annual Fee: None
Regular APR: 15.24% to 26.24%
Variable APR
Intro APR: 0% on Purchases and Balance Transfers for 15 months

  • INTRO OFFER: Earn 15,000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable APR, 15.24% to 26.24%
  • $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.

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