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those expenses on the card, you're automatically maximizing its value in points. In addition, if you go paperless and sign up for online bill payments, you get extra points. The rewards points can then be used at the same places you're going out. Not only will they give you coupons to those places, but discounts, as well.If you're eligible for the PenFed Promise Visa card, it's another great one for newlyweds for a number of reasons. Top qualify, you must be a United States Government employee, member of the United States Military and Uniformed Services, employee or volunteer of the American Red Cross, member of the National Military Family Association, or a family member/housemate of a current PenFed member. First, it's a credit union offer, which is credit owned and operated by its members. So, if you don't qualify for this one in particular, you should look into other credit union offers that you do qualify for. With the average credit card rate at about 15 percent, the PenFed Promise Visa card offers an APR of 7.49 percent for all purchases, and if you do a balance transfer, offers a 4.99 percent APR, which lasts for three years. The other big thing about this card is that you're not going to get nickled and dimed using it. It has no late fees, additional fees or annual fees. It's a really good card for people who are tired of big banks who charge additional fees on regular activities. For couples who are just starting out, invariably, there are things that you have to buy for your house that you don't get off of your registry in the first couple of years, and this will give you a 3 year