Does my annual account summary include spending made by my other account users?

Yes. For consumer credit card accounts, all cards are linked to the same account number. This means all transactions will appear in spend analysis.

Business accounts: You must be listed on the business account as signer (checking) or an Authorized Officer (credit card) to access spend analysis reports for the whole company. If you aren’t listed as a signer or an Authorized Officer, you’ll only be able to access spend analysis reports for your individual employee account.