Love is in the air, which means the first big-spending holiday of 2023 is upon us.
Whether you’re planning a romantic getaway for your partner or treating yourself to something special, don’t shop for Valentine’s Day without these credit card perks.
Use the American Express® Gold Card dining credit
If you’re spending a romantic evening at home or dining out at a new restaurant, American Express® Gold Card have your back.
In addition to earning an impressive 4 Membership Rewards Points per dollar for dining at restaurants and American supermarket (up to $25,000 in purchases per calendar year, then increased by 1x at US supermarkets), Amex Gold includes up to $120 annual food statement credit ($10 per month) when you pay with your card at merchants like Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack location. The card has an annual fee of $250 (see prices & fees). Registration required for selected benefits.
Even if you don’t often dine at any of the restaurants mentioned, you can use a $10 monthly credit for takeout and delivery at Grubhub. Just don’t forget Register Come before.
In addition to the meal credit, cardholders also receive a $10 monthly credit (up to $120 in Uber Cash annually) can be used on Uber Eats orders in the US (You must add the card to the Uber app to get this benefit).
Related: The best card for takeout and food delivery
Spoil them with a hotel stay
If you have a pass that comes with an annual free night certificate, then Valentine’s Day is a great time to use it for a short romantic break.
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The Hyatt World Credit Cardfor example, comes with a annual free night certificate can be used at any type 1-4 hotel or resort, such as Eliza Jane in New Orleans. However, you may have to wait a few weeks for your card’s free night to appear in your account, so this option requires some planning in advance.
If you don’t have time to wait until your free night, you can book any hotel that has Capital One Venture Rewards Credit Card and then “pay” with your miles to remove the hotel purchase from your statement. You can exchange adventure miles at a fixed price of 1 cent per person for a statement credit for any eligible travel purchases (including hotels and Airbnb stays) you’ve made with the card in the last 90 days. If a quick getaway isn’t in your plans, you can also redeem these miles for delivery restaurant and streaming service.
Related: 6 unique ways to redeem Capital One Venture miles
Save and earn with Amex Deals
If you don’t know about Amex Offers, it’s never too late to get acquainted with these great deals linked to your American Express card. Amex offers let you save money or make money Valuable member bonus points with many brands of shopping, dining, travel. Once you’ve added targeted Amex Offers to your American Express card, you can simply make purchases with your card at those merchants.
From flower retailers like 1-800-Flowers to major department stores like Macy’s and luxury fashion retailers like Jimmy Choo, there’s sure to be Amex Deals to save you cash or earn Valuable money for you Points are transferable this valentine’s day. To save even more, don’t forget use a shopping portal for your online purchases. Eligibility for these offers is limited. Registration in the Amex Offers section of your account is required prior to redemption.
Related: The secret to getting more Amex Deals on your card
Plan something special
If you’re looking for something a little more epic this Valentine’s Day, such as engagement ring or an expensive item, you may want to consider a card that has offer annual percentage rate (APR) 0% promotion to help ease your financial burden. Of course, as always, we strongly recommend paying off the balance before the promotional period expires to avoid paying any interest.
And you can earn $200 welcome bonus in addition to your 0% APR offer if you choose to receive Capital One SavorOne Cash Rewards Credit Card or Chase Freedom Flex℠ for your big purchase.
If you plan to pay off your entire purchase at once, you might also consider a card with a term. advanced welcome offerand earn a lot of cashback or points from the signup bonus, this usually requires spending several thousand dollars.
Related: Use these cards to maximize big purchases
Check Visa and Mastercard transactions
You can have a Visa or Mastercard card that offers extra perks and luxury benefits like car rental insurance, discounts at luxury hotels, concierge service, and purchase protection if the item is expensive. Your money is lost or stolen. Both networks have their own benefit programs on some of their premium cards.
For example, some cards have the symbols Visa Signature, Visa Infinite or Mastercard World Elite — like Chase Sapphire Reserve® and Citi Premier® Card — offering cardholders additional perks like VIP tickets, fine dining experiences and more. For example, you can save 15% on a gift basket at Harry & David by using Visa card or RSVP for a celebrity cooking class with Mastercard’s Priceless city program from the comfort of your home.
Related: Compare the benefits of Visa Signature and World Elite Mastercard
bottom line
Valentine’s Day can get expensive quickly, but you don’t have to spend a fortune on this romantic day to make it special. By strategizing a bit with your credit card perks, you can generate extra rewards, deliver a memorable experience, or create valuable savings on your holiday purchases.
For Amex Gold Card rates and fees, please click here.
Additional reporting by Emily Thompson.
