I have both the personal and biz card. I have no reason to think the biz card functions any differently as it pertains to the post date being all that matters. The T&Cs are pretty clear, and it's known that Chase/Hyatt are able to pin down to the exact day you cross the spend threshold. I would add, that with respect to the personal card footnote, the fact that it omits the calendar year language is because it doesn't need to be there. It never resets, therefore it's irrelevant.