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Originally Posted by one9
Personally, I decided to get the Citibank Gold Card, and have recently received the approval email, and intend to spend over 100k per month on it, so I will soon learn for myself. I am guessing I am going to end up with another card that I can't use for 10 out of the 12 months until the points capping starts for a new year.
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It is quite likely that something about the patterns of transactions is what ultimately leads Citibank to enforce the cap. I would not be surprised with your proposed spending pattern if they do enforce the limit, but may take them a couple of months to get around to doing it.