The 2012 San Diego County Credit Union Poinsettia Bowl is a post-season American college football bowl game held on December 20, 2012 at Qualcomm Stadium in San Diego, California in the United States. The eighth edition of the Poinsettia Bowl began at 5:00 p.m. PST and aired on ESPN. It featured the Mountain West Conference co-champion San Diego State Aztecs (whose regular home stadium is Qualcomm) against the BYU Cougars (which had been in the MW until 2011 before playing as an FBS independent), and was the final game of the 2012 NCAA Division I FBS football season for both teams. The Cougars accepted their invitation after earning a 6–4 record in their first ten games of the season (and would finish 7-5), while the Aztecs accepted their invitation after finishing with a 9-3 record in the