The key here is: 1. Points earned on the credit card are redeemable for anyone, and are credit towards a companion pass for the person linked to the account. The companion can be anyone else other than the card holder. 2. Points earned flying are useful also towards A-list. So someone who is flying a lot is better to be the card holder, so the companion is not losing the opportunity to earn A- list credit by flying free. It sounds like you are the one flying, so if Chase won't swap you over, you should get a new card. My wife and I have the same issue. She has her own card, and is a card holder on mine. It makes a bit more sense to use my card, so I can earn a CP next year. But beyond that, either of us can use our points to fly one another or anyone else. Since I'm preferred, I don't use points for my own flights.
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