On this episode, we discuss our Top 3 cards which have NO ANNUAL FEE! That's right: you can open these cards with $0 in annual fees. They also earn our favorite types of points and, when paired with another card, those points can be transferred out of the bank to travel partners like airlines and hotels. As always, when it's the right time for you to apply for a new card, check out www.ThePointsPodcast.com!