Don't be scared off by the fact that this card doesn't come with a signup bonus - you might find you can get just as much or more value as the cards that have hefty signup offers. With its awesome monthly promos (including its June birthday month bash), it's taken the second spot on our list. Additionally, Bilt is the only card out there that lets you earn points just for paying your rent, no fees attached. They also have some competitive earning rates to begin with, but those rates are doubled on the first day of every month, allowing you to squeeze even more value out of every dollar you spend. 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.