3 cards with $0 annual fee, ranked by signup bonus.
A no annual fee credit card charges $0 per year to hold. Some cards charge a monthly fee instead, so check the total cost. These cards are ideal if you want reward points without ongoing costs.
Look at the signup bonus first — that is where most of the value comes from. Then check the earn rate (points per dollar) and what reward program the card uses. A no-fee card with a large signup bonus can be worth more in the first year than a premium card after you subtract its annual fee.
