I applied for the card on line and it did take a little while to get here...maybe 10 days? I immediately placed an amazon purchase, had the card end it's monthly cycle early (I think 2/4/11 instea of 2/22/11). On 2/5 there was my free roundtrip on the SW site under my points. Immediately booked a round trip. In a matter of DAYS my 100 gift card arrived. Super. The next billing cycle begins. I am not even half way thru the 2nd cycle and another 150.00 gift card appears. Seems as though you don't have to wait for the billing cycle to end for the gift card to trigger. The promo I signed up under was NO FEE, free round trip with first purchase, 100 gift card with 1k, 150 gc when you spend another 1500 and a 250 gift card when you spend another 2500. So in 93 days you need to spend a total of 5K on the visa and earn 500 in gift cards (plus of course the free round trip). WHAT Service.....