With February fast approaching, it’s time to start making plans for Valentine’s Day, and what better way to do it than to book a romantic getaway or make reservations at an awesome restaurant? While you may be tempted to reach for your debit card when you pay for your Valentine’s Day plans, opting for credit is your best bet. Not only will you get more fraud protection and security features, but if you pick the right card, you’ll be able to earn rewards for spoiling your Valentine. Not sure which cards are worthwhile? Continue reading to learn which cards will suit your plans. It should be noted that if you intend to use one of these cards for your Valentine’s Day plans, you’ll want to apply sooner, rather than later, as it may take a couple days for you to receive the physical card after your application is approved.
Which is the best card for your special outing?
Whether you want to wine and dine your Valentine, cook them a homemade meal or take them on a weekend getaway, these are the cards that will earn you the most bang for your romantic buck.
For those planning to wine and dine their Valentine
Capital One Savor Cash Rewards Credit Card
If you want to take your date out for a romantic dinner at your favorite restaurant, the Capital One Savor Cash Rewards Credit Card is for you. That’s because this card earns an unlimited 3% cash back on dining out, 2% back on groceries and 1% on all other purchases. On top of that, it offers an impressive $150 intro bonus to cardholders who spend $500 on purchases in your first 3 months, which means you can use this bonus for another special date down the road. The Capital One Savor Cash Rewards Credit Card also has a 9-month 0% intro APR on both purchases and balance transfers (with a 3% balance transfer fee), giving you plenty of time to pay for your Valentine’s Day date. The card also has no annual fee, no foreign transaction fees and a number of added perks, including extended warranty protection and price protection with items purchased with the card, travel protection, a complimentary concierge service and more. It should be noted that the card is available to those with good to excellent credit (usually considered a credit score of 700 or higher).
Discover it chrome
Discover it chrome is a good option for those looking to wine and dine their Valentine who may have less-than-perfect credit, as it requires average to excellent credit (usually considered a credit score of 670 or higher) for approval. This card doesn’t earn quite as much as the previously mentioned card, but it still earns a solid 2% cash back at restaurants and gas stations (up to the quarterly maximum, currently $1,000, then it’s 1% back) and 1% cash back on everything else. Additionally, Discover will match all of the cash back you’ve earned at the end of your first year as a cardholder — meaning if you earn $300, Discover will match that and give you a total of $600! You’ll also enjoy a 14-month 0% intro APR on purchases and balance transfers (with a 3% balance transfer fee) and access to your monthly TransUnion FICO score for free as well as identity theft protection alerts.
For those planning to cook for their Valentine
Blue Cash Preferred Card from American Express
If you plan to create a personalized dining experience for your Valentine, the Blue Cash Preferred Card from American Express (a NextAdvisor advertiser) is the card for you. It earns an incredible 6% cash back at U.S. supermarkets (on up to $6,000/year in purchases, then it’s 1% back), 3% at gas stations and select U.S. department stores as well as 1% on everything else. Aside from its cash back offers, the card allows cardholders to get $200 bonus after you spend $1,000 on purchases in the first 3 months. While the card has a $95 annual fee, if you’re a frequent grocery shopper, then the benefits will more than outweigh the costs (to find out for sure use our free Cash Back Credit Card Calculator). Finally, the Blue Cash Preferred Card from American Express has a 12-month 0% intro APR on both purchases and balance transfers (with a balance transfer fee of $5 or 3%, whichever is greater) and cardholders will be provided with purchase protection, return protection and extended warranty on items they buy with their card. Prefer a card with no annual fee? Check out its sister card, the Blue Cash Everyday Card from American Express, which offers comparable rewards and perks. Both Blue Cash cards are available to those with good to excellent credit (usually considered a credit score of 700 or higher).
Bank of America Cash Rewards Credit Card
Another great card for those who want to prepare a meal for their special someone is the Bank of America Cash Rewards Credit Card, which earns 3% cash back on gas and 2% cash back at grocery stores and wholesale clubs (including Costco) for up to $2,500/quarter in combined gas, wholesale club and grocery store purchases. All other purchases earn 1% cash back. The Bank of America Cash Rewards Credit Card also has a $150 bonus for cardholders who spend $500 on purchases in the first 90 days of account opening. Those who also bank with Bank of America get an ongoing 10% cash reward bonus when they redeem their cash back rewards directly into their Bank of America checking or savings account — those who are Gold, Platinum or Platinum Honors Bank of America customers, will receive an even bigger bonus, ranging from 25% to 75%. To sweeten the deal, this card also has no annual fee and comes with a 12-month 0% intro APR on purchases and balance transfers (with a balance transfer fee of 3% or $10, whichever is greater). The card is also available to those with good to excellent credit (usually considered a credit score of 700 or higher).
For those planning a romantic getaway
Before we dig into our travel credit card picks, we should note that you may want to book your travel plans with another card now to secure your trip before it’s too late, then pay with one of the following cards when you arrive at the hotel, inn, etc. since you’ll likely earn superior rewards.
Barclaycard Arrival Plus World Elite Mastercard
When it comes to travel rewards credit cards, it doesn’t get much better than the Barclaycard Arrival Plus World Elite Mastercard. That’s because cardholders earn 2X miles on all purchases, as well as a 40,000-point bonus — worth $400 in travel — when they spend $3,000 on purchases in the first 90 days. What’s more, every time you redeem your miles, you’ll get 5% of the miles back to use toward your next redemption. When it comes to redeeming your points, you can use them for travel, statement credit, gift cards or merchandise, which means your Valentine’s Day getaway can help you pay for a future trip. Aside from these generous benefits, the card has a 12-month 0% intro APR on balance transfers made within the first 45 days of owning the card (with a 3% or $5 balance transfer fee, whichever is greater) as well as no foreign transaction fees. There is an $89 annual fee, but it’s waived for the first year, and the card is available to those with excellent credit (usually considered a credit score of 700 or higher).
Discover it Miles
Prefer a travel rewards credit card with no annual fee? If so, Discover it Miles is your best bet. Not only does the card have no annual fee and no foreign transaction fees, an ideal perks for anyone taking their Valentine overseas, but it also earns an unlimited 1.5 miles on all purchases. Similar to the previously mentioned Discover card, Discover will match all of the miles you earn in your first year as a cardholder! Miles earned with this card can be redeemed for cash back, travel purchases and more. Discover it Miles also has a 14-month 0% intro APR on purchases and it’s available to those with average to excellent credit (usually considered a credit score of 670 or higher). Rounding out this card are a number of Discover cardholder perks, including free identity theft alerts and free monthly copies of their FICO credit scores.
To make the most of your Valentine’s Day plans and future date nights, you’ll want to make sure you have the right credit card in your wallet. Visit our reviews of the best credit card to learn more about the cards detailed in this post.
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