re: Credit Card Rewards and Points Discussion

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Do credit cards consider calendar year spending to end at your last statement of the year or on December 31st? My last statement is December 17th.. but I made a purchase on December 31st to get over my spend threshold. But that statement doesn't close until January 17th. Should the December 31st purchase count toward 2018?

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What card? It really depends, if it is a signup offer along the lines of "spend $5k annually to receive 30,000 bonus points", that should be 12 months from signup ie not a calendar year.

However, cards like the Delta Amex's bonus are for calendar years... ie you have to spend $25,000 between 1/1-12/31 to reach the bonus points. If you signup for the card on 6/1 as an example, you only have from 6/1-12/1 to reach $25,000 spend for the card.

HTH