Prepared count (20 spells + 4 cantrips) fits the 2024 Bard formula of 4 + level prepared spells. Cutting Words and Magical Secrets spells are fully legal under SRD 5.2.
enchantment
1 action
60 ft.
V
Wisdom save or 4d4 psychic damage and disadvantage on next attack roll.
illusion
1 action
30 ft.
S, M
Create a sound or an illusory image within range.
transmutation
1 action
10 ft.
V, S
Minor magical tricks and sensory effects.
conjuration
1 action
30 ft.
V, S
Spectral hand manipulates objects at range.
enchantment
1 action
30 ft.
V, S
Wisdom save or charmed for 1 hour; target regards you as a friendly acquaintance.
illusion
1 action
Self
V, S
Alter your appearance for 1 hour.
enchantment
1 action
60 ft.
V
Wisdom save or 5d6 psychic damage and frightened reaction movement.
evocation
1 bonus action
60 ft.
V
Heal a creature 2d4 + 5 hit points.
divination
1 action
Self (30 ft. radius)
V, S, M
Read surface thoughts; deeper probe allows Wisdom save.
illusion
1 action
Touch
V, S, M
Target becomes invisible for 1 hour.
enchantment
1 action
30 ft.
V, M
Wisdom save or pursue a reasonable course of action for up to 8 hours.
illusion
1 action
120 ft.
S, M
Wisdom save or charmed and incapacitated for 1 minute.
illusion
1 action
Self (30-ft. cone)
V, S, M
Wisdom save or frightened and drops what it holds.
evocation
1 action
Unlimited (same plane)
V, S, M
Send a 25-word message to any creature you know.
abjuration
1 reaction
60 ft.
S
Interrupt a spell of 3rd level or lower automatically; higher levels require an ability check (DC 10 + spell level).
illusion
1 action
Touch
V, S
Target is invisible for 1 minute even while attacking.
abjuration
1 action
60 ft.
V, S, M
Charisma save or banished to a demiplane; concentration, up to 1 minute.
enchantment
1 action
60 ft.
V, S
Wisdom save or charmed and dominated for up to 1 minute (concentration).
enchantment
1 action
30 ft.
V, S
Wisdom save or reshape up to 10 minutes of the target's memory.
illusion
1 action
Self
S
Become invisible while an illusory double acts on your behalf.
enchantment
1 action
60 ft.
V, M
Up to 12 creatures (Wisdom save) pursue one suggestion for up to 8 hours.
necromancy
1 action
Self (60-ft. radius)
V, S
Each turn, sicken, panic, or charm a visible target (Wisdom save).