My understanding is the automated approval system does but you can explain it away in reconsideration, but most people in this game want to avoid talking to someone and needing to explain their cards.

Last year I added myself as an AU on my P2's Marriott card as I was being given some issues with using her card at stores while trying to take advantage of a promo. They never even asked for a SSN, so no way for that to show on a credit report.

We try and always have 1 Chase card with transfer partners at any given time, but its not always the same one. Ink Preferred lets you transfer to a co-business owner, so thats the preferred method over adding an AU