Traditional rice production is often reliant on the unsustainable practice of utilizing intensive inputs in monoculture cropping systems. Alternatives fallow cover cropping and rice–fish coculture (RFC) offer promising solutions. However, the potential of fallow cover cropping in RFC remains underexplored, and its impact on soil microbes is poorly understood. In this study, assessments of soil–plant–microbe interactions were conducted across three cover cropping systems: Chinese milk vetch (Astragalus sinicus L.) single cropping (CM), Rapeseed (Brassica napus L.) single cropping (RP), and a combination of Chinese milk vetch and rapeseed intercropping (CM_RP). These systems were evaluated with and without nitrogen (N) addition, encompassing both the RFC and rice monoculture (RMC) systems. The findings indicate a notable increase in soil microbial biomass nitrogen (MBN) with CM. Soil microbial biomass carbon (MBC), influenced more by N-fertilizer than crop species, decreased with N addition. In the RFC system, the soil bacterial co-occurrence network exhibited more connections, yet negative links increased. CM_RP displayed similarities to CM without N but shifted closer to RP with N addition. N addition in intercropping significantly increased the root–shoot ratio (R/S) of A. sinicus, associated with decreased aboveground biomass and total root length. Compared to RMC, RFC with N addition reduced the relative abundance of Anaerolineaceae in CM while increasing Bacillus and Pontibacter across cover cropping systems. Overall, with N addition, both RFC and RMC showed decreased soil bacterial diversity indices. Changes in soil bacterial diversity correlated significantly with soil MBC, MBN, and plant R/S. Continuous fallow cover cropping altered soil microbial biomass and affected cover crop biomass distribution, impacting bacterial composition in paddy soil. These results shed light on how bacterial communities respond to N addition and fallow cover cropping in RFC and RMC systems, offering insights for sustainable nutrient management in paddy systems.