Major: Confusing transactions (Consistency and Standards)
Description: When selecting the "paid" option called "using joint", the result is a transaction where the user paid for themselves. However, I read this as "the user paid for one of their expenses using the joint card", which would translate to the joint account paying for the user. This behavior isn't consistent to what a user might believe would happen. However, the advanced options solves this issue.
Recommendation: Rather than having a separate advanced options page, have them be visible since it doesn't complicate the page much more. It also solves the problem of inconsistency and standards. However, if you want to keep the advanced options page, then make it clear that the user is paying for themselves when they select the "using joint" option.