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When do points post for credit card?

New Arrival

Hi,

It's November 20th and I'm very close to the milestone for points to qualify for Companion Pass.   I'd like to make a couple of large purchases on my Southwest Visa Rapid Rewards card and pay the Visa charge to Chase before the end of the year.   If I do so, will those points accrue for this calendar year such that they will qualify me for the Companion Pass?    My billing cycle ends on the 17th of each month, so technically any charges after that date won't be due until Jan 3rd of next year, but I would be making the payment early...before the end of the year...so that I have the chance to have those points qualify for Companion Pass in this year.   So my question is whether my early credit card payment will allow those points to count in this calendar year?   Please advise. 

6 REPLIES 6
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Re: When do points post for credit card?

Top Contributor
Solution

Payment doesn't matter. All that matters is that the charges post before your Chase account cycle closing date, and that the resulting points then post to your Rapid Rewards account prior to the end of the year. In general, Chase sends the points to Southwest within a few days after closing, and in general Southwest posts those within a few days of receiving them. It can be as quick as 1-2 days, but in some cases can take a week or more. With your billing cycle closing on the 17th, you should be in good shape to have any points from purchases made before then count towards companion pass this year. Good luck.

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Re: When do points post for credit card?

New Arrival

Statement close date is every 4th. If i meet my minimun spend this cycle which is dec 5 to jan 4, 2019 is it safe to say that my welcome bonus will be posted after statement closedate which is Jan 4th?  Can i go ahead and meet my MSR on this billing cycle? Or hold off wait after Jan 4th?

Thanks!

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Re: When do points post for credit card?

Top Contributor

@rdinjotian wrote:

Statement close date is every 4th. If i meet my minimun spend this cycle which is dec 5 to jan 4, 2019 is it safe to say that my welcome bonus will be posted after statement closedate which is Jan 4th?  Can i go ahead and meet my MSR on this billing cycle? Or hold off wait after Jan 4th?

Thanks!


 

If you meet the spend requirement after your December statement has closed, that should trigger the welcome bonus to post on your January statement. Yet every year we hear reports of people who were burned when points posted early and messed up their CP qualification. If you want to be sure, wait until after Jan. 1 to make any spend.

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Re: When do points post for credit card?

New Arrival

We ended up getting screwed this year, we had companion pass the last few years from our Chase RR Card, but this year were were at 108k on 12/4 which I guess happened to be our statement end date, but last year we were told as long as the points are accumulated on your credit card by 12/31 they will be applied. This of course did not happen and we were not give companion pass for 2018 becasue we did not have 110k on 12/4.  We had accumulated more than required by 12/31, not sure if it helps to call, but I am very frustrated because we are not in control of our statement closing date, and this mean we only have 11 months instead of 12.  

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Re: When do points post for credit card?

New Arrival

You still have 12 months because the points that were posted the previous December would have been applied to January of this year, so you're not missing out on having 12 months to get your CP.

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Re: When do points post for credit card?

Top Contributor

@micahbgibbs wrote:

We ended up getting screwed this year, we had companion pass the last few years from our Chase RR Card, but this year were were at 108k on 12/4 which I guess happened to be our statement end date, but last year we were told as long as the points are accumulated on your credit card by 12/31 they will be applied. This of course did not happen and we were not give companion pass for 2018 becasue we did not have 110k on 12/4.  We had accumulated more than required by 12/31, not sure if it helps to call, but I am very frustrated because we are not in control of our statement closing date, and this mean we only have 11 months instead of 12.  


Perhaps you should contact Chaae NOW and request that your billing date be changed to something like the 15th so the same thing won't happen this year?

 

Also, as the other poster said, you did receive 12 months of credit -- the first of which was 1/4/18 and the 12th of which was 12/4/18