Don't know if this has already been mentioned upthread, but the T&C's for the splurge bonus state it's by calendar year. Seems if one got the card before year end, you could double dip on the splurge credit in the first year of having the card, and still use the $100 statement credit for wifi before it becomes free. Knocks off $300 of the annual fee first year. After that? Maybe keep it, maybe not....