I have a Chase CC w/ 5 users, when I download, QB pulls transactions in on the main CC. Only way to download the other 4 cards is to create 4 accounts, 5 accounts, 1 CC?

I'll be happy to share some steps on creating sub-accounts, Steve.

Before we proceed, please note that we can only create up to five subaccounts under one parent account. We can connect your credit card to your bank and add the four users as sub-accounts. In this way, others will automatically download into one. Follow these steps:

1. Go to the Gear icon and select Chart of Accounts. 
2. Select New and enter an Account name.
3. Choose an Account Type and Detail type from the dropdowns. 
4. Check the box for Make this a sub-account, then select the Parent account under which it should be. (If you choose a Bank, Assets, Credit card, Liabilities, or Equity account, enter Opening Balance, and fill out the starting date in the As of field.) 
5. Hit Save. 

Check out this article to learn more about reconciliation: Reconcile an account in QuickBooks Online.

We'll be here to assist you further if you still have questions about your bank transactions. Have a great day ahead.