The 2020 Incarnate Word Cardinals football team represented the University of the Incarnate Word (UIW) in the 2020–21 NCAA Division I FCS football season as a member of the Southland Conference. The Cardinals played their home games at Gayle and Tom Benson Stadium in San Antonio, Texas. They were led by third-year head coach Eric Morris. On August 13 Incarnate Word announced they would postpone all competition for the Fall 2020 and instead opted for a Spring 2021 season.