I called and asked. She assured me it was one free on renewal, 2nd after $15K and 3rd after $30K.

I'm probably going to downgrade to the no-fee because my husband already has a Surpass so it's unlikely we'd spend 2 x $15 every year since we have other cards for other reasons.

I asked about a retention offer to keep my Aspire for another year and was told 10,000 HH points with a $1,000 spend. No thanks.