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I would stick to AF cause of the transfer partners - Chase, AMEX, Citi, Cap One
It will b easy to top up. Just make sure you split the family account to make sure that cc user and authorized users are split (e.g if Person A and B have the cc sure that
Group 1: Person A + another
Group 2: Person B + another
Just open one for your family/partner as an authorized user and open a card for them.