JenoP unfortunately that’s not the solution for the American Express brilliant card or any that have one bank statement account number with multiple account name holders.  As you suggested, creating sub-accounts makes it impossible to reconcile one account number bank statement which has multiple account name card holders. 

This has been a problem for several years and has never been fixed. Yet, the American Express business card has the same one account number with multiple names account holders and that works fine.

Both cards have the same concept (One account number  with several account holder names) but the American Express business card works and the American Express brilliant card doesn’t work with QuickBooks.