Best Credit Cards for Valentine’s Day 2022

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Last updated on August 4th, 2022

Valentine’s Day is an important holiday for couples worldwide. According to statistics, It is also an expensive day, with the average American spending over $140. Before making your purchases this year, make sure you have the right credit card to save you the most money. Here are some of the best credit cards for Valentine’s Day 2022:

The Best Credit Cards for Valentine’s Day 2022

Finding the right card for Valentine’s Day savings can be tricky. Here are four of our top picks to consider:

The Chase Freedom Flex is a go-to credit card regardless of the situation. Still, Valentine’s Day 2022 offers some special variety for cardmembers. The Flex earns 5% cash back on the first $1,5000 in combined quarterly spending, with Q1 2022 offering grocery stores and eBay.

While groceries and Valentine’s Day go hand and hand (especially when planning a gourmet meal or need last-minute chocolates and flowers), eBay is a hidden gem for unforgettable gifts. The eBay marketplace offers a vast array of products – including antique jewelry, vintage clothing, handmade keepsakes, and more.

Dining out is almost as rewarding as eating in, thanks to 3% back at restaurants, including takeout and eligible delivery services. Suppose you are planning a surprise road trip. In that case, the Flex also earns 5% cash back on eligible gas station purchases on up to $6,000 spent in the first year. It also offers 5% back on travel booked through Ultimate Rewards.

Not sure if the Freedom Flex is right for you? Consider the Chase Freedom Unlimited, offering unlimited 1.5% cash back on all purchases, plus elevated cash back in select categories, and more – all for no annual fee.

The Capital One Savor is one of the best cash back cards on the market today. While the card may come with an annual fee of $95, Capital One provides more than enough rewards on offer to justify keeping the Savor in your wallet.

Perhaps the most impressive feature of the Savor is the unlimited 4% cash back the card earns on dining and entertainment. Dining out, catching a show, or grabbing drinks with your date is rewarding – emotionally and fiscally – thanks to the Savor. This broad category makes the card ideal for Valentine’s Day.

And, if omicron has your Valentine’s Day plans stuck at home, the Savor excels here as well. Those 4% back rewards also apply to takeout and delivery. Plus, cardholders receive a $9.99 Postmates statement credit when using their card to purchase a Postmates Unlimited membership.

The U.S. Bank Cash+™ Visa Signature® Card earns 5% cash back on the first $2,000 in eligible purchases per quarter on the two categories of the holder’s choosing. Those 5% back categories include a variety of categories that are of interest for Valentine’s Day, including gift items (department stores like Bloomingdale’s or Macy’s; clothing stores like Gap, Aeropostale, or J.Crew), movie theaters, and ground transportation (including ridesharing services like Uber or Lyft).

The Cash+ also earns 2% cash back on everyday purchases, like gas stations, grocery stores, and dining. Add to that no annual fee, 0% intro APR on purchases for 12 months, and a $150 sign up bonus, and the Cash+ offers tremendous value this Valentine’s Day.

If a special meal is in your plans, the Gold Card is tough to beat as your go-to card. You earn 4X Membership Rewards points on restaurant purchases (including delivery and takeout). And you also earn the same amount when shopping at grocery stores (if you prefer to make a homecooked dish).

If you plan a trip (probably for next year), the Gold card earns 3X points on flights booked directly with airlines or Add to that no foreign transaction fees, baggage insurance, and access to the Hotel Collection from American Express, and you have the makings for the ideal romantic getaway.

As an added bonus, the Amex Offers benefit allows you to take advantage of discounts and rebates on dozens of merchants. Use it to buy a case of wine or something special at your Significant other’s favorite store.

Don’t know if the Gold Card from Amex is right for you? The issuer also features several other lucrative Membership Rewards cards, including the American Express Green Card, which earns 3X points at restaurants worldwide, including takeout and delivery. The Green Card also features a more modest $150 annual fee.

Honorable Mentions

Want some more dining credit card options to consider for your Valentine’s Day spending? Here are two cards that just missed out on our top spots:

capital one savoreone

Capital One® SavorOne® Cash Rewards

The Capital One® SavorOne® Cash Rewards is another excellent credit card for any time of the year, especially on Valentine’s Day or other date nights. The card is one of the most versatile dining credit cards on the market today, thanks to 3% cash back on dining and entertainment – and no annual fee. The $95-annual-fee version of the Savor offers more cash back on purchases, but the yearly cost of holding the card hinders it for those that want an occasional dining and entertainment card without a cost each year.


Discover It® Secured Card

Having bad credit does not mean you cannot save on Valentine’s Day. The Discover It Secured Card is the ideal travel and dining companion for those with subprime credit. The card features the same rewards as the Discover It Chrome, meaning cardholders will earn an unlimited 2% back on dining purchases (plus 2% back at gas stations). Very few secured credit cards offer rewards – and the fact that the Discover features no annual fee is a bonus. Plus, Discover offers the same Cashback Match as all of its card products.

Featured photo by Sarah Pflug / Burst

About: Cory
Cory Santos

Cory is's "Jack of all trades" and resident credit expert, covering all facets of the credit card space. Cory holds academic degrees in both the U.S. and U.K. In addition to credit cards, Cory finds that jogging, cats, and memes are essential parts of a balanced day.

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BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.

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