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 this year:
At a Glance
The Best Credit Cards for Valentine’s Day
Finding the right card for Valentine’s Day savings can be tricky. Here are four of our top picks to consider:
Citi Custom Cash℠ Card
Citi Custom Cash℠ Card
Citi Custom Cash℠ Card
- 18.99% – 28.99% (Variable) Regular Purchase APR
- 18.99% – 28.99% (Variable) Balance Transfer APR
- 29.99% (Variable) Cash Advance APR
- 0% for 15 months on Purchases Intro Purchase APR
At a Glance
The Citi Custom Cash? Card is a generous cash back credit card that offers up to 5% back on eligible purchases. The card, from Citi, does not charge an annual fee and rewards 5% back on the top spending category each month, with options including transit, travel, gas, groceries, dining, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.99% – 28.99%, based on your creditworthiness.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee
- Citi will only issue one Citi Custom Cash℠ Card account per person.
- Intro Purchase APR: 0% for 15 months on Purchases
- Regular Purchase APR: 18.99% – 28.99% (Variable)
- Intro Balance Transfer APR: 0% for 15 months on Balance Transfers
- Balance Transfer APR: 18.99% – 28.99% (Variable)
- Balance Transfer Transaction Fee: 5% of each balance transfer; $5 minimum.
- Cash Advance APR: 29.99% (Variable)
- Cash Advance Transaction Fee: 5% of each cash advance; $10 minimum
- Penalty APR: Up to 29.99% (Variable)
- Annual Fee: $0
- Foreign Transaction Fee: 3%
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You want to earn 5% back but do’t want quarterly categories
- You plan on spending $1,500 within the first 90 days
- You have a large purchase in mind that you want to pay down over time
- You plan on transferring an existing balance within the first four months
- You don’t want to pay an annual fee
The Citi Custom Cash℠ Card is a no annual fee, cash back credit card that offers exceptional value for cardholders that want to maximize their savings but hate being tied down with quarterly categories. If you’re struggling to find a special gift, the Cstom Cash makes it easy by earning 5% back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Those categories include:
| Dining | Fitness clubs | Grocery stores |
| Drugstores | Gas stations | Home improvement stores |
| Travel & transit (select) | Live entertainment | Streaming service (select) |
In addition to 5% back on your top spending category, you’ll also earn a $200 welcome bonus after reaching a modest spending goal. That cash back bonus is a great perk if you want to splash the cash on your love this year – but want to be rewarded for doing so.
Capital One® Savor® Cash Rewards Credit Card
Capital One® Savor® Cash Rewards Credit Card
Capital One® Savor® Cash Rewards Credit Card
- 19.99% – 28.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.99% – 28.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
Make memories while funding future adventures with the Capital One® Savor® Cash Rewards Credit Card. This exclusive entertainment credit card boasts an unlimited 4% cash back on streaming, dining, and entertainment is a great card for couples, families, and social butterflies.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Unlimited 4% cash back on dining, entertainment, and popular streaming services
- Earn 3% at grocery stores
- Earn 1% on all other purchases
- Earn 8% cash back on tickets through Vivid Seats
- Receive $9.99 statement credit after paying for Postmates Unlimited membership
- Enjoy comprehensive, personalized assistance in dining, entertainment and travel— 24 hours a day, 365 days a year
- Regular Purchase APR: 19.99% – 28.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 19.99% – 28.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Annual Fee: $95
- Late Payment Penalty Fee: Up to $40
- You want to earn an unlimited 4% cash back on streaming, dining, and entertainment, 3% at grocery stores, and 1% on all other purchases
- You see yourself spending $3,000 within the first 3 months of opening the card to earn that one-time $300 cash bonus
- You live for unique dining, entertainment, and sports experiences
- You want complimentary food delivery membership through Postmates
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.
U.S. Bank Cash+® Visa Signature® Card
U.S. Bank Cash+® Visa Signature® Card
U.S. Bank Cash+® Visa Signature® Card
- 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 15 months from account opening Intro Purchase APR
At a Glance
The U.S. Bank Cash + Visa Signature Card is an excellent cash back credit card that gives holders the power to decide how they earn their cash back. The card earns 5% back on two select categories you choose, 2% back on one “everyday” category a user selects, and 1% back on all other purchases.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- New! $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening
- 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
- 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center
- 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants
- 1% cash back on all other eligible purchases
- No Annual Fee
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan
- Terms and conditions apply
- Intro Purchase APR: 0% for 15 months from account opening
- Regular Purchase APR: 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 15 months on transfers made within 60 days from account opening date
- Balance Transfer APR: 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You want the ability to choose your enhanced cash back categories
- You like the freedom of switching categories each quarter
- You don’t want to pay an annual fee
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.
American Express® Gold Card
American Express® Gold Card
American Express® Gold Card
- See Pay Over Time APR Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
Foodies, rejoice! The American Express® Gold Card grants you the ability to earn 4X Membership Rewards® points at restaurants worldwide and US supermarkets, and 3X Membership Rewards® points on flights booked directly with airlines or via amextravel.com. There are also numerous travel perks of note, including statement credits for hotel and airline purchases.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 75,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership
- Earn 4X Membership Rewards® points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X)
- Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year
- $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required
- Choose the color that suits your style. Gold or Rose Gold
- No Foreign Transaction Fees
- Annual Fee is $250
- Terms Apply
- Regular Purchase APR: See Pay Over Time APR
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Annual Fee: $250
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You want to earn 4X Membership Rewards® points for global restaurant purchases, including takeout and delivery
- You also wish to earn 4X Membership Rewards® points on purchases at U.S. supermarkets (up to $25,000 annually)
- You travel often and can take advantage of 3X Membership Rewards® points on flights booked directly with airlines or via amextravel.com
- You would benefit from statement credits on a variety of travel expenses
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 amextravel.com. 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.
Featured photo by Sarah Pflug / Burst
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