Given that there are so many cards out there in the market , can the pros tell me the churn periods approximately and when the annual fee hits? As most cards are free the first year , does the fee hit at the beginning of the second year or towards the end of the second year? Churn periods approx..... Citi AA cards - Churn after 18 months or so. (AA cards...) Chase - Churn after 2 years or so . ( Saphhire/Southwest/BA ...) American express - 2 years or so? ( Delta/SPG...) Barclays cards ? (US Airways..) Bank of America cards ? (Hawaii/Alaska...) Thanks in advance.