OK, down to the wire, and I'm over thinking everything. Need to make a 4K purchase today to qualify for the 2025 spend/FNC. Theorectically, no problem, as I'm finalizing itineraries for several 2026 trips this morning. Most are international.

Any chance I'll run into problems with the purchase/posting date, of accommodations in countries where it's already Jan 1st? Or should I be ok as the charge will show up immediately against my credit as the 31st, in pending status?