Thank you for the replies. It looks like I did understand what the reps were saying yesterday and now I'm not sure what I want to do.

* Chase won't change who the primary is on the card.
* SouthWest won't change the name on the Rapid Rewards account.
* Having two seperate accounts really defeats the usefulness of this whole en-devour since I have to pay to transfer points.

Unless anyone has any other ideas I think I'm just going to cancel that card, use the "free" points that I got for signing up and go back to using the capital one.

Again, thanks for the clarification.

E: I wasn't familiar with the CP, so thanks for pointing that out. But again, I don't think that helps me. She doesn't fly ... ever. So if this account earns a CP through credit card spending (and it will) then that means I can fly for free when she flies. But since she isn't flying and I am this isn't really helpful.