Valentine’s Day Gifts That Give Back

NEW YORK (MainStreet) –   Still not sure what to buy your significant other for Valentine’s Day? Check out the rewards deals that your credit card issuer is offering.

“Bonus point malls actually earn credit card companies a percentage of their sales,” Tim Chen, CEO of the credit card ranking site Nerd Wallet, tells MainStreet. “This is why during peak periods, such as Christmas or Valentine’s days, issuers get competitive and offer some of their best deals.”

Right now, for instance, you can earn ample bonus points or, even better, cash back on many popular Valentine’s Day products, such as flowers, chocolates or jewelry. To help you make the most of your rewards credit card, MainStreet rounds up some of the best Valentine’s Day perks out there.   

Flowers

If you have a Discover card, you might want to give your loved one a bouquet for Valentine’s Day. Shop Discover currently features 20% cash back on purchases made at florist chains 1-800-Flowers, FTD and Telefora.  Both Chase’s Rewards Plus Mall and Bank of America’s UPromise Mall are offering 10% cash back if you buy flowers from FTD, ProFlowers, 1-800-Flowers or Telefora.

Citi has partnered with FromYouFlowers.com to offer 7% cash back on purchases made through its Citi Bonus Cash Center.

You can also use floral arrangements to earn travel rewards points. For example, Wells Fargo, Chase and American Express all offer 10 bonus points for every dollar spent on purchases made in their online malls at 1-800-Flowers and FTD.com.

Chocolate

ShopDiscover is currently giving 5% cash back on both Godiva and Harry and David products. You can earn six Bank of America WorldPoints for every dollar spent on Godiva products, or earn 10% cash back when you make purchases from GiftBaskets.com at the UPromise Mall.

Bank of America also offers 3% cash back on Harry and David products.  

You can also get deals on chocolate at Wells Fargo’s Rewards mall. The issuer offers seven points for every dollar spent on Ghirardelli chocolates, four points for every dollar spent on Godiva purchases and three points for every dollar spent on goodies from the Chocolate-Covered Company.

Women’s Gifts

ShopDiscover offers 10% cash back on purchases from Sephora.

Citi’s Cash Back Center, meanwhile, offers 5% cash back at the makeup chain as well as 2% cash back on purchases made at Victoria’s Secret.

You can also get eight points for every dollar spent on either Lancome or Giorgio Armani products at Wells Fargo’s rewards mall.

And finally, you can get 4% cash back on any Bloomingdale purchase made at the Chase Ultimate Rewards mall.

Men’s Gifts

Currently, you can snap up three points for every dollar spent on Bose products at the Chase Ultimate Rewards mall.

ShopDiscover, meanwhile, offers 5% back at Sony Style, and American Express offers three bonus points for every dollar spent at Sony Style as well. Perhaps you should could consider buying your beau a radio for Valentine’s Day after all.

Other options include hitting up Dick's Sporting Goods at Chase Ultimate Rewards mall since it’s offering five points for every dollar spent there and Citi’s Cash Back Bonus Center features 5% cash back on Hammacher Schlemmer purchases.

—For the best rates on loans, bank accounts and credit cards, enter your ZIP code at BankingMyWay.com.

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