The rate of a 20 - dollar PlayStation gift card today can vary depending on several factors. In the current market, it is influenced by supply and demand dynamics. If there is a high demand for PlayStation gift cards, perhaps due to the release of popular games or a large number of gamers looking to add credit to their accounts, the rate might be affected.

Retailers may also play a role in determining the rate. Some might offer the gift cards at face value, while others could have promotions or discounts that could either increase or decrease the effective rate. For example, a store might have a special deal where buying multiple gift cards gives a small percentage off, effectively changing the rate per card.
Another aspect to consider is the secondary market. Sometimes, people sell their unused PlayStation gift cards. The rate in this secondary market can be different from the official retail rate. It could be higher if there are scarce gift cards available or lower if there is an oversupply. However, transactions in the secondary market might also come with risks such as fraud or issues with the authenticity of the gift card. Overall, determining the exact rate of a 20 - dollar PlayStation gift card today requires looking at these various elements in the market.