So here's what I'm gathering (bare with me!)... The cardholder can transfer points to the ff account of their chosing whether it be yours or your spouses. So each having their own card is not mandatory.
Yes?
BTW, I don't know if it makes a difference, but now I'm thinking I'll go with Starwood and Alaskan as opposed to Starwood/Amtrak. One of these days I'll make up my mind!

Soooo much to consider when one is getting started!!!
Julie