Originally Posted by
RobertHanson
While everyone is busy composing their three page single space answer to my question

let me add: how churnable is it? Can I get one every year, or every 18 months maybe? PMs gratefully accepted.

Year to year is certainly possible. I've done it for a few years now, and suggest it to anyone who wants to (1) avoid paying a fee to spend your own money; (2) get the loyalty rewards/points and (3) avail of RFD's cash back option.
It's a beautiful thing.