For those who are confused, here is the schedule Rakuten sent me.
The opportunity cost is about 3 weeks, weighed against about 500 points. Nothing to stress over either way.
Rakuten Cash- Withdrawl Date 12/13~15 Accumulation Date 01/4
Rakuten Credit Card - Notice 12/18, Accumulation Date 01/9
Rakuten Cash and Card Schedule
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