The player mainly plays NBA games with real-life or customized players and teams; games follow the rules and objectives of NBA games. Several game modes are present and many settings can be customized. Up to six expansion teams can be created and used in both MyLeague and MyGM Modes, with the possibility of a 36-team league, and any team can be relocated and rebranded. If you're creating a team you can download jerseys and teams that people from the NBA community has made.
Along with the current season's teams and players, previous games in the series have featured NBA teams from past eras, such as the 1995–96 Chicago Bulls and the 1985–86 Boston Celtics. NBA 2K20 adds six more such teams, such as the 2015-16 Cleveland Cavaliers and the 2013-14 San Antonio Spurs.
As with other games in the series, the in-studio pregame and halftime shows are based on the real-life NBA on TNT presentations, featuring Ernie Johnson, Kenny Smith, and Shaquille O'Neal, with the latter two analysts also appearing as players on the 1993-94 Houston Rockets and 1994-95 Orlando Magic/2000-01 Los Angeles Lakers/2005-06 Miami Heat, respectively. During games, the announcers are Kevin Harlan, Greg Anthony, Chris Webber, Steve Smith, Clark Kellogg, and Doris Burke, with David Aldridge as the sideline reporters. Charles Barkley has not been added to the halftime show.