Originally Posted by
Toronto1970
My SPG Business card is up for renewal July 19th. I assume I'm best off cancelling the card, and then reapplying in a few months (perhaps for the personal) - since otherwise I would have to wait until July 2019 for my free night certificate!
The Free Night Certificate is offered on the renewal date - so the first year doesn't count.
So I think they are trying to have incentives to reduce the chruning. So year 1 - welcome bonus. Year 2 and subsequent years - pay annual fee, get the free night. and no prorated fee refund upon getting the free night.