Originally Posted by diesteldorf

Congrats. Welcome to the Club!! Your scenario is exactly what happened to me, in 2019, so you may not see an 85K certificate till 2023. However, I wasn't charged the full annual fee until 2020, so if you're smart, you'll find a way to utilize your 2022 $300 travel credit before the end of the year, and that should take take some of the sting away Good Luck!