Sorry for the slow reply here.
You can only have an account associated with a card if it is "accountable". You can set *accountable rules under advanced > rules.
By default, only "Sign up" and "User" are accountable, though it kind of looks like your Sign up cards may have this rule turned off?
"Sign up+*type+*accountable" indeed didn't exist. Now it does, via rules for all Sign up cards. However, now I'm getting an error eerily similar to that reported on New account signups cause Wagn hitch after 1.14.1 upgrade.
My log/production.log recorded the following. (Google's spider was crawling my site at the same time, getting an unrelated GEOS card.)
Started POST "/card/create/?main=&is_main=true&slot%5Bhome_view%5D=new&slot%5Binc_name%5D=_main&slot%5Binc_syntax%5D=_main&slot%5Btitle%5D=Invite" for 208.38.215.22 at 2014-12-02 14:40:52 -0800
Processing by CardController#create as JS
Parameters: {"utf8"=>"✓", "authenticity_token"=>"e6AiZKFer7ftVTmYbTLo2ajJQdpM6OT+OrtVS7bybDc=", "success"=>"REDIRECT: _self", "card"=>{"type_id"=>"12", "name"=>"Strawberry Punch", "subcards"=>{"+*account+*email"=>{"content"=>"smpunch@thornton2.com", "type_id"=>"52"}}}, "button"=>"", "main"=>"", "is_main"=>"true", "slot"=>{"home_view"=>"new", "inc_name"=>"_main", "inc_syntax"=>"_main", "title"=>"Invite"}}
Started GET "/GEOS_Programmer_s_Reference_Guide+GEOS_Kernal_Routines+SmallPutChar+tags+*editors.rss" for 66.249.69.16 at 2014-12-02 14:40:52 -0800
Processing by CardController#read as RSS
Parameters: {"id"=>"GEOS_Programmer_s_Reference_Guide+GEOS_Kernal_Routines+SmallPutChar+tags+*editors"}
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exception = Net::SMTPFatalError: 554 5.7.1 : Recipient address rejected: Access denied
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Sorry, I missed this before.
I'm going to close this as a duplicate of New account signups cause Wagn hitch after 1.14.1 upgrade.
It looks like there must be something incorrect in the outgoing email configuration, but we haven't pinpointed the problem yet. If you're able to learn anything from the debugging information posted in that ticket, that would be a huge help!
(as mentioned in the other ticket, 1.14.3 includes changes intended to fix this problem)