If you ask TPG staffers for a credit card recommendation, there's a good chance we'll recommend a card that has an annual fee. Most of our favorite cards come with many benefits that provide value well beyond the cost of their annual fees, so we consider them well worth paying.

But you don't have to pay an annual fee to have a solid credit card strategy. Whether you're new to credit cards and hesitant to make that kind of commitment or you're sticking to a tight budget, you may decide to opt for one (or more) of the great no-annual-fee credit cards on the market.

Here are some ways to have a credit card strategy without paying an annual fee.

A great solo travel tip spotted this week on The Points Guy Articles.

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