Suppose a deck consists of $n$ cards $1,...,n$, where $n$ is a fixed positive integer. For $0 \le k \le n$, and $d \ge 0$, let $p(k,d)$ be the probability, with $k$ cards not yet seen in previous draws, of seeing all the unseen cards (each at least once) in the next $d$ draws, where each draw consists of randomly selecting one card with replacement from a shuffled deck. Then $p(k,d)$ can be computed via the following recursion:
$$
p(k,d)=\begin{cases}
1, & \text{if $k=0$} \\
0, & \text{if $0 \le d < k$}\\
\left(\dfrac{k}{n}\right)p(k-1,d-1)+\left(\dfrac{n-k}{n}\right)p(k,d-1) & \text{otherwise}
\end{cases}
$$
Explanation:
If $k = 0$, there are no cards yet unseen, so the probability of seeing all the unseen cards is $1$.
If $0 \le d < k$, the $d$ remaining draws are not enough to see the $k$ yet unseen cards, so the probability of seeing all the unseen cards is 0.
Otherwise, draw one card. If the drawn card is one of the $k$ unseen cards, that leaves $k-1$ unseen cards; if not, it's still $k$ unseen cards. Either way, the number of remaining draws goes down by $1$, from $d$ to $d-1$.
Setting $n=20$ and applying the above recursion, Maple gets
$$p(20,66) < 1/2 < p(20,67)$$
so the answer is $67$.