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Won't you be my credit card Valentine?

Written by Geoff Williams
Posted On: February 10, 2012

Editor's Note:  These limited-time offers have expired and are no longer available.

While you're thinking of what to get your significant other on Valentine's Day, the companies that help you pay for what you're going to get -- that is, credit card issuers -- are courting you. Yes, you. You, the one with the strikingly good looking credit score and the attractive bank account. Where have you been hiding all this time?

Er, okay. If you're in the market for a new credit card, here's your chance to do a little speed dating. Not that this is every Valentine's Day-related credit card deal out there, but here's your chance to see what's out there, clamoring for your attention.

American Express

How they're trying to woo you: If you're an American Express cardholder with membership rewards, you can earn extra points on flowers and jewelry when you shop online through the American Express Membership Rewards site. For instance, if you buy flowers at ProFlowers, you'll receive three times the usual points; BlueNile, the jewelry site, will give you five times the points; Teleflora or 1800Flowers.com, 10 times the points.

Platinum Card members: You can dial the number on the back of your card and call your concierge for gift ideas for your favorite Valentine. American Express Platinum has partnered with celebrity gifting expert Julie Kenney (you can have a job like that?... my high school guidance counselor never brought this up), and she and her army of concierges will help you with gift ideas and make sure that gifts are delivered on time, if possible.

And, by the way, if you use your AmEx at Shari's Berries, American Express will give you 12 percent back -- except that you won't really get it. Your 12 percent cash back will be donated to the United Way, and you presumably get a nice little tax deduction. But, you know, society can't just make Christmas the time when we give to charities -- people need help year round. And if you've never heard of Shari's Berries, they sell delectable treats like strawberries dipped in chocolate, chocolate cupcakes and, yes, chocolates without the strawberries and cupcakes.

Bank of America

How they're trying to woo you: If you have a Bank of America branded credit card you'll get seven points back on every dollar spent at the Ghirardelli Chocolate Company by way of BofA's WorldPoints Mall. Ghirardelli's been making chocolate since 1852, by the way. In other words, they kind of know what they're doing.

Chase

How they're trying to woo you: Chase has a lot of credit cards, and thus, a lot of offers. If you have a Chase Freedom card, you can buy a package of 20 sweetheart tulips, a teddy bear, chocolates and a vase for $29.99, which they note is 50 percent off the regular price -- at ProFlowers.com up until Feb. 13. If you do your shopping -- again with Chase Freedom -- at the specialty gift retailer RedEnvelope.com, up until Feb. 13, you'll get 20 percent off of all your purchases.

If you're a Chase Sapphire cardholder, and you want to take your sweet babboo out to dinner, head over to ChaseSapphire.com, where you can check out dining recommendations from Zagat and book your reservation on the spot with Open Table. Chase also recommends -- if you want to go all out -- redeeming your points to book a vacation or to do one of their exclusive events like skiing with Picabo Street or seeing a Broadway musical like "Rock of Ages." Meanwhile, Chase folks also stress that whatever you do for Valentine's Day, you'll get 2 percent cash back on all your dining purchases with Chase Sapphire and 2 percent cash back on all of your dining and travel purchases with Chase Sapphire Preferred.

If you have an Amazon.com Rewards Visa® Card from Chase, throughout the entire month of February, you may benefit from an exclusive offer to save 20 percent on jewelry and watches sold at Amazon.com.

Citibank

How they're trying to woo you: Citi is offering 15 percent cash back at KaBloom through its Citi Bonus Cash Center, and they are offering 10 percent cash back for consumers who prefer shopping at FTD Florist. And if you do shop at FTD through their Citi Bonus Cash Center, Citi also has coupon codes that let you take a little more off on top of the 10 percent, like a coupon code for $5 off an order of red roses bought before Feb. 12. Citi also has a coupon and is offering 5 percent cash back on Godiva purchases. You can get 6 percent cash back -- plus a coupon code for another 20 percent off -- on anything you buy from Harry & David, which specializes in luxurious gift baskets (want to join a Fruit of the Month club? They also have that).

But wait, there's more. If you go to their Citi Bonus Cash Center and purchase a Restaurant.com gift certificate with your Citi card, you'll get 12 percent cash back; and if you buy Zagat wine, you'll get 8 percent cash back.

Discover

How they're trying to woo you: Want to buy someone flowers? Discover is offering 20 percent cash back at 1-800 Flowers, FTD.com, ProFlowers and Telefora through its ShopDiscover service. You can also -- if you want to give your sweetie more than flowers -- get 10 percent cash back at 1-800 Baskets. It's an online store that has about everything romantic you can imagine -- from chocolates to spa products (think: lotions and bath sponges and shower gels) to teddy bears and a giant fortune cookie (a giant fortune cookie?... well, okay).

And if you really want to go nuts -- buying the flowers, the baskets -- and also go out to dinner, at ShopDiscover, cardholders who buy a gift certificate through Restaurants.com will get 20 percent cash back (which is pretty cool, since the whole point of Restaurants.com is that you're getting a discounted meal, so you're getting cash back on top of that). Cardholders who buy their wine at Wine Enthusiast will get 15 percent cash back, which basically means that before you wine and dine your partner, Discover is trying to wine and dine you. You or the person you like may occasionally play hard to get, but credit cards -- at least right now -- are doing anything but.

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