If I meet the spend in month 1 I'm assuming my points awarded would be 40,000 + 3,000 spend x 2 = 46,000 points. I pay my card off in full and book a car in month 2. The price of the car is $500 can I use the 46,000 which I assume is $460 to pay for the car or does the charge have to be $460 or less. Thanks