Thanks to you guys I went in guns ablazing when I activated my card. They made sure I'll get the bonus points after my first spend.
I tried to pull a swifty saying I applied with the 20,000 point offer with no card fee for the first year, but I don't think it worked. Lady said I'd get 17,500 points, but when I asked "so if I have to pay the annual fee, when do I have to pay it?" she responded by saying that she doesn't know if I'll have to pay it, but I'll find out on my next statement.
Here's hoping - and good luck to the rest of you!!