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My wife and I have completely merged finances with no personal accounts, so there are no accounting problems figuring out what gets paid from where.
I handle most of the credit card sign-ups and will let my wife know when she needs to apply for a new card or if there are interesting spending bonuses.
If she knows about a big expense coming up, she’ll ask me if we need a new card for the signup bonus.
She handles the accounting, making sure everything is paid on time and also flagging annual fees that require a keep / cancel / product change decision.
I’m trying to take over some of the card management functions so they don’t wait until the annual fee appears.
Add, thinking ahead, we have two kids 22 and 24.
They were A/Us on some of our cards from their mid-teens (and still are, for lounge access) but I never used them as P3 and P4 so they would still have the full range of cards available to them as adults.