Unclear when points earned for purchases are posted to Rewards account

Mike_the_Dude
New Community Member

I wold love to have a definitive answer as to WHEN EXACTLY points I have earned for purchases are credited to the 

Rewards Account and available for redemption. Is it different for different categories of purchases ?

 

I have received SEVERAL answers, but none seem to fit what I see:

 

Are points credited as soon as purchase is confirmed and paid out to vendors as a charge to the card ? Are points credited days later ?

Are points not credited until the purchase posts to the statement and monthly PAYMENT is made ?

 

A SINGLE ANSWER would really help me to use my account more efficiently so I can anticipate when I can redeem points for gift cards. I know my 

PAYMENT DUE date and my STATEMENT CUT OFF date, but I DO NOT KNOW how these affect availability of points earned, so I would appreciate any help. Thanks in advance for CORRECT answers.

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