Does anyone have info on adding an AU for the State Department Federal Credit Union EMV Visa? Is there a fee to add AU? Wife and I are wondering if it's worth it to open 2 accounts and accrue "points" through 2 cards, or just have me open and add her as AU. The only points we pay attention to are for AA, can these flexpoints be converted to airline miles? If we decide to open two accounts, how do they handle income verification on stay at home moms (i.e. "unemployed")? I assume they'll accept my pay stubs as her income? We're in CA , which is a common property state - IIRC that means she can claim my income.