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5 helpful credit card perks for Valentine’s Day shopping

Feb. 12, 2021
7 min read
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Cupid is in the air and that means Valentine’s Day is right around the corner. It's also the first big-spending holiday of 2021. From using credit card rewards and perks on a romantic evening to shopping through an online portal for your sweetheart's rose bouquet, we take a look at five useful benefits offered by credit cards for your Valentine's Day purchases.

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Use the American Express® Gold Card dining credit

(Photo by The Points Guy)

Whether you're spending a romantic evening at home on Valentine's Day or going out for a social distancing dinner, the American Express® Gold Card will save you money on your special meal. Beyond impressive earning rates of 4x Membership Rewards points on dining at restaurants and U.S. supermarkets (up to $25,000 in purchases per calendar year, then 1x at U.S. supermarkets), the Amex Gold includes an up to $120 annual dining statement credit ($10 per month) when you pay with your card at merchants such as Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. The card has a $250 annual fee (see rates & fees). Enrollment required for select benefits.

If you don't frequently dine at any of the restaurants mentioned, the monthly $10 credit works for takeout and delivery at Grubhub as well. Just don't forget to register beforehand. On top of the dining credit, cardholders will also receive a new $10 monthly credit (up to $120 in annual Uber Cash) that can be used for Uber Eats orders in the U.S. (Must add the card to the Uber app to receive this benefit).

Related: Best cards for takeout and food delivery

Spoil them with a hotel stay

A Currents Spa cabana at The Cape, a Thompson Hotel. (Photo courtesy of Hyatt)

While your regular travel habits may have been put on hold, that doesn't mean you can't spoil your valentine with a night of room service and pampering at a local hotel. Many hotel cobranded cards come equipped with a free night award when you meet the minimum spend requirements, although you may need to wait several weeks to see the free night in your account.

Rather than wait for the free night to arrive, you can book any hotel with the Capital One Venture Rewards Credit Card and then "pay" with your miles to eliminate the hotel purchase from your statement. You can redeem Venture miles at a flat 1 cent apiece for a statement credit against any eligible travel purchases (including hotel and Airbnb stays) you’ve made with the card in the last 90 days. If a quick getaway isn't in your plans, these miles can also be redeemed for restaurant delivery and streaming services.

Related: 6 unique ways to redeem Capital One Venture miles

Save and earn with Amex Offers

If you don't know about Amex Offers, it's never too late to familiarize yourself with these great deals that are linked to your American Express cards. Amex Offers allow you to save money or earn valuable Membership Rewards points with many shopping, dining and travel brands. Once you've added the targeted Amex Offers to your American Express cards, you don't have to do anything else but make purchases with your card at those merchants.

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(Image courtesy of Amex)

From flower retailers such as 1-800-Flowers to big department stores like Macy's and luxury fashion retailers like Jimmy Choo, there's bound to be an Amex Offer that will save you cash or earn you valuable transferable points this Valentine's Day. To tack on even more savings, don't forget to use a shopping portal for your online purchases. Eligibility for these offers is limited. Enrollment is required in the Amex Offers section of your account before redeeming.

Related: The secret to getting more Amex Offers on your card

Plan something special

(Photo by varisastockphoto/Shutterstock)

If you're in the market this Valentine's for something a bit more grand, such as an engagement ring or a high-ticket item, you may want to consider a card with a promotional 0% APR offer to help ease your financial burden. Of course, as always, we strongly recommend you pay the balance off before the promotional period expires in order to avoid paying any interest. Moreover, you can earn valuable rewards or cash back on your special Valentine's Day purchases.

If you plan on paying the entire purchase off in full right away, you might also consider cards with limited-time elevated welcome offers, and earn a heap of cash back or points from the sign-up bonus, which usually requires a few thousand dollars in spending.

Related: Use these cards to maximize large purchases

Check for Visa and Mastercard deals

You may not even know it, but you may have a Visa or Mastercard that offers extra perks and luxury benefits such as rental car insurance, discounts at luxury hotels, concierge services and purchase protection if your high-priced item is lost or stolen. Visa and Mastercard, the two largest and most widely accepted credit card payment networks in the U.S., feature their own benefits programs on some of their premium cards.

(Photo by Kirill Guzhvinsky/Shutterstock)

For example, some cards with the Visa Signature and Mastercard World Elite designation — like the popular Chase Sapphire Preferred Card and Citi Prestige® Card — feature extra perks for cardholders such as VIP tickets, fine dining experiences and beyond. You could save 15% off a basket of goodies at Harry & David by using your Visa card or RSVP for a celebrity cooking class with Mastercard's Priceless Cities program from the comfort of your home.

The information for the Citi Prestige card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: Comparing Visa Signature and World Elite Mastercard benefits

Bottom line

Valentine's Day can get expensive quickly but you don’t have to spend a ton on this romantic day to make it special. By strategizing a bit with your credit card perks, you can generate extra rewards points, deliver a memorable experience or produce valuable savings on your holiday purchases.

For rates and fees of the Amex Gold Card, please click here.

Featured image by Shutterstock
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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How we chose these cards

Our points-obsessed staff uses a plethora of credit cards on a daily basis. If anyone on our team wouldn’t recommend it to a friend or a family member, we wouldn’t recommend it on The Points Guy either. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners.
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TPG featured card

Best card for premium perks while traveling
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards

2 - 10X points
10XEarn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
5X5X miles on flights booked through Capital One Travel.
2X2 Miles per dollar on every purchase, every day

Intro offer

75,000 bonus miles
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

Annual Fee

$395

Recommended Credit

740-850
Excellent
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It

The Capital One Venture X card is one of the best all-round travel credit cards ever launched. Not only is it offering a tremendous welcome bonus, but cardholders can earn tons of miles on everyday spending and receive a 10,000-mile anniversary bonus to boot. Its annual fee is $395, but cardholders can count on up to $300 in statement credits toward travel booked through Capital One Travel each year and other valuable benefits like access to Priority Pass lounges and Capital One’s own growing family of airport lounges.

Pros

  • Excellent welcome offer worth 75,000 miles after you spend $4,000 on purchases in the first three months.
  • Up to $300 in annual travel statement credits toward bookings make through Capital One Travel.
  • 10,000 bonus miles (worth $100 toward travel) each account anniversary.

Cons

  • The $395 annual fee might be expensive for some, but this card’s benefits provide much more value than that.
  • If you don’t travel frequently, this might not be the best card for you.
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023
Best card for premium perks while traveling
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards Rate

10XEarn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
5X5X miles on flights booked through Capital One Travel.
2X2 Miles per dollar on every purchase, every day
  • Intro Offer
    Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

    75,000 bonus miles
  • Annual Fee

    $395
  • Recommended Credit
    Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    740-850
    Excellent

Why We Chose It

The Capital One Venture X card is one of the best all-round travel credit cards ever launched. Not only is it offering a tremendous welcome bonus, but cardholders can earn tons of miles on everyday spending and receive a 10,000-mile anniversary bonus to boot. Its annual fee is $395, but cardholders can count on up to $300 in statement credits toward travel booked through Capital One Travel each year and other valuable benefits like access to Priority Pass lounges and Capital One’s own growing family of airport lounges.

Pros

  • Excellent welcome offer worth 75,000 miles after you spend $4,000 on purchases in the first three months.
  • Up to $300 in annual travel statement credits toward bookings make through Capital One Travel.
  • 10,000 bonus miles (worth $100 toward travel) each account anniversary.

Cons

  • The $395 annual fee might be expensive for some, but this card’s benefits provide much more value than that.
  • If you don’t travel frequently, this might not be the best card for you.
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023