’s Best Valentine’s Day Credit Cards

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Last updated on August 4th, 2022

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At BestCards, credit card discussions extend well beyond the end of the business day. Our staff are always discussing what to look for in a credit card, and rarely is there a 100% consensus. 

Here are the best Valentine’s Day credit card picks from our senior editorial staff, Allan and Cory:

Cory's Picks for Best Valentine's Day Credit Cards:

Capital One® Savor® Cash Rewards Credit Card

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 waives that charge for the first year. And, even when that fee applies after year one, there are 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. This broad category makes the card ideal for Valentine’s Day. Dining out, catching a show, or grabbing drinks with your date is rewarding – emotionally and fiscally – thanks to the Savor.

If the coronavirus has your Valentine’s Day plans stuck at home, the Savor excels 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.

Marriott Bonvoy Bold™ Credit Card

The Marriott Bonvoy Bold Card is the entry-level version of the Marriott credit card range from Chase. Despite this, however, the card packs quite the punch and is the ideal way to save up rewards for next Valentine’s Day (hopefully after the pandemic ends).

First, the card comes with an impressive signup bonus. Earn 50,000 bonus points after you spend $1,000 on purchases in your first three months from opening your account. Second, the card earns a decent amount of Bonvoy points with every purchase: 3X on Marriott purchases and stays, 2X on travel, and 1X everywhere else. Third, the cardholder receives 15 Elite Night Credits annually – giving them automatic Silver Elite status.

Silver Elite tier members earn a 10% bonus on points earned. This means they earn 11 points for every $1 spent (besides the points the Bold provides) and 5.5 points for every $1 at long-stay hotels.

For more information on the Marriott Bonvoy  loyalty program, check out:

Macy’s American Express® Card

One of Valentine’s Day’s traditions is buying gifts, so why not throw a retail card into the mix? There are few better choices for the frequent department store shopper than the Macy’s American Express Card.

The card significantly improves the limitations of the Macy’s Star Rewards loyalty program. It allows cardholders to earn points towards $10 Star Money rewards without waiting for Star Money Days. The Amex card grants automatic Silver status, meaning cardholders receive both Star Passes and 25% savings off any day of their choosing per month.

Other notable features include 3% cash back on dining, 2% cash back on both gas station and grocery store purchases, and free shipping (with no purchases minimums).

"What do you think my card choices? Agree? Disagree? Check me out on Twitter and let me know your perfect Valentine's credit card."
Senior Editor

Allan's Top Credit Cards for Valentine's Day:

American Express Gold Card 

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 are planning a trip (probably for next year), the Gold card earns 3X points on flights booked directly with airlines or on 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 SO’s favorite store. 

Chase Freedom Unlimited

Maybe you want to really splurge this Valentine’s Day. A memorable piece of jewelry, a new television for romantic movie nights, or a staycation. A 0% intro APR offer can make these plans a reality while saving you money on interest payments. The Chase Freedom Unlimited grants you 15 interest-free months after you open an account – ample time to pay off a sizable balance incurred to make a special day unforgettable.

AAdvantage® Aviator® Red World Elite Mastercard®

If you’re thinking of a getaway for Valentine’s Day, the Aviator Red card from American Airlines and Barclays has you covered. This card in particular rewards you with 60,000 AAdvantage miles for simply making an initial purchase and paying the $99 annual fee in full within the first 90 days. This requirement is extremely doable when compared to other cards’ welcome offers, which require you to spend usually at least $1,000. Plus, you can enjoy added perks like preferred boarding, a free checked bag, and AAdvantage miles on every purchase you make.

For more information on American Airlines’ AAdvantage frequent flyer program, check out:

Follow me on Twitter and let me know your thoughts on my picks."
Managing Edtor

Featured photo by Brodie Vissers / 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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