Most of us don’t think twice before spending a $20 bill—it’s just another piece of cash. But what if that $20 in your wallet was actually worth thousands of dollars? Some rare $20 bills are worth way more than face value, and spotting one could be like hitting a small jackpot.
From unique serial numbers to historical misprints, certain bills are in high demand among collectors. Before you hand over your twenty for lunch, take a moment to check if it’s actually worth a whole lot more!
Why Some $20 Bills Are More Valuable Than Others
Not all $20 bills are created equal. While millions of twenties are in circulation today, only a few have the characteristics that make them rare and valuable. Here’s what makes certain bills stand out:
- Age Matters – The older the bill, the higher the value, especially if it’s in good condition.
- Printing Errors – Misprints like upside-down seals, double numbers, or missing details can significantly increase a bill’s worth.
- Unique Serial Numbers – Bills with repeating digits, palindromes (same forward and backward), or super low numbers can attract collectors.
- Star Notes – If your bill has a little star next to the serial number, it’s a replacement bill, which can sometimes be more valuable.
- Limited Availability – Certain $20 bills were printed in small batches, making them incredibly rare today.
Now that you know what makes a $20 bill valuable, let’s take a look at some of the rarest ones that could be hiding in your wallet!
5 Rare $20 Bills That Could Be Worth Thousands
1. The 1861 $20 Demand Note
This was the first-ever $20 bill printed in the U.S., making it a serious collector’s item. Only 22 are known to exist today, and one in very fine condition sold for a whopping $72,000 in 2020! If you ever come across one, don’t spend it—get it appraised immediately.
2. The 1869 $20 Legal Tender Note
Nicknamed the “Rainbow Note” due to its colorful design, this bill is highly sought after. One in near-perfect condition recently sold for $50,400! Even if yours is slightly worn, it could still fetch thousands at auction.
3. The 1863 $20 Legal Tender Note
Bills from this era are incredibly rare, and their value depends heavily on condition. In uncirculated condition, one of these was sold for $19,200. If you happen to have an old twenty from the 1800s, don’t underestimate its worth!
4. The 1873 $20 Legal Tender Note
Finding a bill from 1873 in good condition is like finding a needle in a haystack. One nearly uncirculated note recently sold for $13,800, proving that history is worth more than just a story—it can be cold, hard cash.
5. The 1875 $20 Legal Tender Note
With only 67 known examples, this bill is among the rarest $20s out there. Even in “very fine” condition, it was auctioned for about $4,600 in 2024. Imagine what a pristine one could be worth!
How to Check If Your $20 Bill Is Valuable
Got a $20 bill and wondering if it’s special? Here are a few quick tips to help you identify a hidden treasure:
- Check the Year – Older bills (especially pre-1930) tend to be more valuable.
- Examine the Serial Number – Look for repeating digits, low numbers, or palindromes.
- Look for Errors – Anything unusual like misprints or ink smudges can increase value.
- Spot a Star? – If there’s a star next to the serial number, it might be worth more.
- Compare to Auction Records – Websites like Heritage Auctions or U.S. Currency Auctions can help you see if your bill is worth a fortune.
Final Thoughts: Could You Have a Hidden Fortune?
The next time you get a $20 bill, don’t just stuff it into your pocket. Take a moment to inspect it—you never know, you might be holding onto a rare bill that’s worth thousands! Whether it’s a century-old treasure or a quirky misprint, collectors are always on the lookout for valuable bills. So before you spend that twenty on coffee or gas, check it first—you might just have a small fortune in your hands!
