How Your Credit Card Can Make Valentine’s Day Cheaper


NEW YORK (MainStreet) — You already know you can use your credit card to buy your Valentine a heartfelt gift, but you might not realize it can also help you save a few dollars on the holiday in the long run.

Issuers are known to offer deep discounts and additional cash-back bonuses on popular Valentine’s Day items in their bonus point malls as Feb. 14 approaches. Here are a few of the better ones to consider.


Discover (Stock Quote: DFS) is offering 20% cash back at 1-800-Flowers,, ProFlowers and Teleflora through its ShopDiscover service, while Citi (Stock Quote: C) is offering 15% cash back at KaBloom through its Citi Bonus Cash Center. Citi also has coupon codes available with FTD Florist that sweeten the 10% cash back cardholders can take advantage of in the bonus center.  This includes $5 off on an order of red roses bought before Feb. 12.

Meanwhile, Chase (Stock Quote: JPM) is offering 15 extra points per dollar spent at ProFlowers and KaBloom in their Ultimate Rewards Mall.


Chase is offering rewards cardholders seven extra points per dollar spent on Godiva products and is providing a coupon code that entitles them to $10 off an order of $60 or more over at Ultimate Rewards. Citi is also featuring the coupon and offering 5% cash back on Godiva purchases through its Bonus Center. Citi cardholders can also get 6% cash back on purchases from Harry & David, plus an additional 20% off purchases using a coupon code. Bank of America (Stock Quote: BAC) is offering seven points back on each dollar spent at Ghirardelli in its WorldPoints Mall.

ShopDiscover is offering 20% cash back at 1-800-Baskets for cardholders looking to give chocolates, cookies or other assorted gifts. If your Valentine has an affinity for both chocolate-covered strawberries and charity, American Express (Stock Quote: AXP) is letting cardholders earn 12% back on purchases at Shari’s Berries, which will be donated to the United Way through its Deal Center.

Wining and Dining

ShopDiscover has another 20% cash back promotion going on with, which is known for its attractive discounts available at local restaurants. Cardholders can also get 15% cash back on purchases from Wine Enthusiast, so if you’re heading to a BYO, you’ll be all set.

Chase is offering 12 points per dollar spent on purchases in the Ultimate Rewards Mall. Citi cardholders can get 12% cash back on purchases and 8% cash back on Zagat Wine purchases through its bonus center.

—Jeanine Skowronski is staff reporter for MainStreet. You can reach her by email at, or follow her on Twitter at @JeanineSko.

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