Don't be scared off by the fact that this card doesn't come with a sign up bonus—you might find you can get just as much or more value as the cards that have hefty sign up offers—including its awesome monthly promos. Additionally, Bilt is the only card out there that lets you earn points just for paying your rent (up to 100,000 points in a calendar year), no transaction fees attached. They also have some competitive rewards to begin with, but those rewards are doubled on the first day of every month (excluding rent), allowing you to squeeze even more value out of every dollar you spend, if you use the card 5 times each statement period to earn points (up to 10,000 points). Oh, and did we mention they have more than a dozen hotel and airline transfer partners? For a $0 annual fee card it really doesn't get better than this.