The idea of RelayThat is genuinely smart: create good looking banners, fast. And it does what it says on the label. So here are my reasons for taking one taco off the final rating:

1. I was expecting a greater variety of pre-made designs.
There are presets in 12 categories (number of layouts per category in brackets): Business (2), Education (1), Entrepreneur (1), Financial (2), Food (2), Health (2), Home (3), Lifestyle (3), Marketing (1), Retail (2), Services (3) and Tech (1), plus two types of 'clean slate' presets (Blank Light and Blank Dark). So basically 23 ready-made presets plus 2 blanks.

2. There are 52 color presets (called 'ideas'), but that's all.
You are not able to generate new presets at random or based on a certain color combination like you can with free to use services like Adobe Kuler. You can replace colors by hand in a design but you can't save the color palette separately.

Note: it is important to mention the "Magic Import" feature as it relates to my point 2 above. You can point RelayThat to any given URL and it will try to automatically extract the color scheme and GFX resources from a web page. It is a brilliant feature, potential copyright and plagiarism issues aside. But it does not fully replace the ability to auto-generate color palettes.

3. Concurrent work on multiple banner variations feels overly restricted.
The cost of RelayThat hinges on the so-called 'Brands'. The smallest plan supports working on 5 brands at the same time, and you can add extra brands in packs of 5 by purchasing more codes. You can save multiple designs but you can only fast-switch between the number of brands for which you've purchased a license. So if you work on a brand campaign that requires you to design a composite product consisting of separate banners for Facebook and Twitter header images plus multiple square and skyscraper ads, you will fill the limit of 5 designs fairly soon (side note: this is the main reason I purchased two codes).

A general — if only implied — rule for such kind of upgrades is that expansion packs make growingly large allotments of resources. I'd expect code no. 2 to unlock 10 extra designs, code no. 3 to add 15 to those, etc. because ultimately this does not change the amount of work being done or the number of royalty-free stock images consumed but only how you work with them at the same time.

All of the above considered, this is still a great value deal if you don't want to pay a 3rd party for banners. Well worth checking out.
- Ivan Arnaudov