I now have the card and quickly put my annual homeowners and auto insurance on it to meet my minimum spend. The statement closed last week with the $400 annual fee added to it. When I check the number of points, it seems like its just the 1 pt/$ for the spend. I don't see the 50,000 bonus. How long before that bonus posts? I have some travel to book and was hoping to redeem that bonus to get $750 worth.