Credit card perks offer savings opportunities this Valentine’s Day

Research

Ashley Kosciolek Senior cruise writer | The Points Guy

By Sky Industry News

Jan 22, 2025

As Valentine's Day approaches, many are preparing for the first major spending holiday of 2025. Whether planning a romantic trip or indulging in a personal treat, credit card perks can offer significant savings.

The American Express Gold Card offers multiple benefits for dining enthusiasts. "In addition to earning an impressive 4 Membership Rewards points per dollar on dining at restaurants worldwide," cardholders can receive up to $120 annually in dining statement credits when using their card at select merchants like Grubhub and The Cheesecake Factory. Additionally, there's an annual Resy credit available for dining at participating restaurants.

For those considering a hotel stay, cards with annual free night certificates can be advantageous. The World of Hyatt Credit Card provides such a benefit after each cardmember anniversary, usable at category 1-4 hotels or resorts. Alternatively, the Capital One Venture Rewards Credit Card allows users to redeem miles for travel purchases made within the last 90 days.

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Amex Offers present another opportunity for savings. These deals are linked to American Express cards and provide discounts or reward points across various brands including Godiva and Best Buy. Enrollment is required before utilizing these offers.

For larger purchases like engagement rings, cards with promotional 0% APR offers might ease financial burdens. It's advised to pay off balances before the promotional period ends to avoid interest charges.

Visa and Mastercard also provide additional perks through premium cards like Chase Sapphire Reserve and Citi Strata Premier℠ Card. Benefits may include rental car insurance, luxury hotel discounts, and concierge services.

By leveraging these credit card perks strategically, Valentine's Day expenses can be managed more effectively while still delivering memorable experiences.