Originally Posted by Madison Guy

No - each year you spend 20k (Platinum Card) BEFORE your anniversary renewal date, you have qualified for the credit, PROVIDING, you pay the annual fee AND have one more billing period close (to ensure you don't close the account for a refund, I assume.) In your example, if your anniversary date is November, and you spend 20k in Dec/Jan, you will have to wait until the following December to qualify for the credit and then you could wait an additional 6-8 weeks (but IME is doesn't take that long.) The key thing is, is doesn't matter when in the year you hit 20k, Citi won't send it over to AA until one billing period after your next anniversary date.