5 Credit Card Perks To Save You Money On Valentine’s Day Shopping

Editor’s note: This is a recurring post, regularly updated with new information and offers.

Love is in the air, which means the first big-spending holiday of 2025 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 going out to a new restaurant, the American Express® Gold Card has your back.

In addition to earning an impressive 4 Membership Rewards points per dollar on dining at restaurants worldwide (up to $50,000 in purchases per calendar year, then 1 point per dollar at restaurants worldwide) and U.S. supermarkets (up to $25,000 in purchases per calendar year, then 1 point per dollar at U.S. supermarkets), the Amex Gold includes an up to $120 annual dining statement credit per calendar year (up to $10 per month) when you pay with your card at merchants such as Grubhub, The Cheesecake Factory, Goldbelly, Wine.com and Five Guys.

The card has a $325 annual fee (see rates and fees). Enrollment is required and terms apply for select benefits.

Even if you don’t frequently dine at any of the restaurants mentioned, you can also use the monthly up to $10 credit for takeout and delivery at Grubhub. Just don’t forget to register beforehand.

In addition to the dining credit, cardmembers also receive an up to $10 monthly credit (up to $120 in annual Uber Cash each calendar year) that can be used for Uber Eats orders in the U.S. (You must add the card to the Uber app to receive this benefit and use an eligible Amex card to pay).

Additionally, you can treat your loved one to a nice Valentine’s Day dinner with the annual up to $100 Resy credit per calendar year (allotted up to $50 bi-annually).

No reservation is required (although for Valentine’s Day, you don’t want to be the one without a reservation); all you have to do is pay with your Amex Gold card at a participating Resy restaurant, and you’ll receive up to a $50 statement credit bi-annually.

This credit is incredibly easy to use; you may use it without even realizing it, as there are around 20,000 restaurants enrolled. Enrollment is required and terms apply for select benefits.

Related: Best cards for takeout and food delivery

Spoil them with a hotel stay

If you have a card that comes with an annual free night certificate, Valentine’s Day is a great time to use it for a short romantic getaway.

Magma Resort in Santorini. CHRISTOS DRAZOS/HYATT

The World of Hyatt Credit Card, for example, comes with an annual free night certificate after every cardmember anniversary that can be used at any category 1-4 hotel or resort, such as the Hyatt Regency Grand Cypress Resort in Orlando.

However, you may need to wait several weeks for your card’s free night to appear in your account, so this option requires some advance planning.

If you don’t have time to wait for the free night to arrive, you can book any hotel with the Capital One Venture Rewards Credit Card. You can redeem Venture miles at a flat 1 cent apiece for a statement credit to cover any eligible travel purchase (including hotel and Airbnb stays) you’ve made in the last 90 days.

If a quick getaway isn’t in your plans, you can also redeem these miles for restaurant delivery and streaming services.

Save and earn with Amex Offers

If you don’t know about Amex Offers, it’s never too late to familiarize yourself with these great deals that are linked to your American Express cards. Amex Offers allow you to save money or earn valuable Membership Rewards points with many shopping, dining and travel brands.

Once you’ve added the targeted Amex Offers to your American Express cards, you just have to make purchases with your card at those merchants.

From chocolate retailers such as Godiva to big tech stores like Best Buy and hotel brands like Hilton and Marriott, there’s bound to be an Amex Offer that will save you cash or earn you valuable transferable points this Valentine’s Day.

To tack on even more savings, don’t forget to use a shopping portal for your online purchases. Eligibility for these offers is limited. Enrollment is required in the Amex Offers section of your account before redeeming.

Related: The secret to getting more Amex Offers on your card

Plan something special

If you’re in the market this Valentine’s for something a bit more grand, such as an engagement ring or a high-ticket item, you may want to consider a card with a promotional 0% annual percentage rate (APR) offer to help ease your financial burden.

Of course, as always, we strongly recommend you pay the balance off before the promotional period expires to avoid paying any interest.

Purchasing high-ticket items on Valentine’s Day with a card promoting 0% APR offers will ease financial burdens.TOM WERNER/GETTY IMAGES

If you plan on paying your entire purchase off in full right away, you might also consider a card with a limited-time elevated welcome offer and earn a heap of cash back or points from the welcome bonus, which usually requires a few thousand dollars in spending.

Related: Use these cards to maximize large purchases

Check for Visa and Mastercard deals

You may have a Visa or Mastercard that offers extra perks and luxury benefits such as rental car insurance, discounts at luxury hotels, concierge services and purchase protection if your high-priced item is lost or stolen.

Both networks feature their own benefits programs on some of their premium cards.

JLCO-JULIA AMARAL/GETTY IMAGES

For example, some cards with the Visa Signature, Visa Infinite or Mastercard World Elite designation — like the Chase Sapphire Reserve® and Citi Strata Premier℠ Card (see rates and fees) —  feature extra perks for cardholders such as VIP tickets, fine dining experiences and beyond.

You could save 15% off a basket of goodies at Harry & David by using your Visa card or RSVP for a celebrity cooking class with Mastercard’s Priceless Experiences program from the comfort of your home, as a couple of examples.

Related: Comparing Visa Signature and World Elite Mastercard benefits

Bottom line

Valentine’s Day can get expensive quickly, but you don’t have to spend a ton on this romantic day to make it special. By strategizing a bit with your credit card perks, you can generate extra rewards points, deliver a memorable experience and produce valuable savings on your holiday purchases.

Related: Best credit cards

For rates and fees of the Amex Gold Card, please click here.