How quaint! In reality, we pay the annual fee, and we should get the benefits. It's an artificial restriction on UA/Chase's part based on which one of us happened to fill out the application form. And we don't want two accounts - I prefer having one account to track all of our spending. I'd rather pay double the annual fee for one account so we can both get full benefits.

But if the answer is that there aren't any cards out there that provide equal benefits to all users on the account, then so be it. Anyone else know of one?