Even though it falls on the same date every year, Valentine's Day still takes many of us by surprise. If you're in a new relationship, you're trying to figure out how far you can go with gifts, flowers and dinner on the town. And if you've been with the same partner for years, you're probably trying to figure out how to raise the stakes. Fortunately, some of the best rewards credit cards can help treat your loved one to a February 14 they won't forget.
Top Valentine's Day credit card offers
A handful of today's top-rated credit cards can help you pass the Valentine's Day test, but not in the way you think. Instead of putting yourself in debt to bankroll a special evening, consider using your credit card's special features to streamline your planning. Check out a few of our editorial team's favorite love offerings from major credit card issuers:
Each of these four cards offers something even better for your relationship than a low interest rate and a money-saving signup offer. All four cards provide access to personal concierge services that can help you plan exciting gifts, meals and experiences for your special someone. Concierges don't always work directly for your credit card issuer: Visa Signature and Discover Card outsource their concierge requests to outside companies. However, their partnerships with ticket agencies, florists, tour operators and restaurants can elevate your date to epic levels.
Credit card concierge can save Valentine's Day
In lieu of a personal assistant, your credit card company's concierge service works as a team to track down gifts and experiences your loved one will adore. If you've ever struggled to come up with ideal gifts or dining suggestions, just provide your concierge with your budget and some baseline ideas. A concierge might suggest some special deals from partner vendors, or reference some recent requests from fellow cardholders. American Express, Citi and Chase all hold event tickets and restaurant reservations for their cardholders, adding value by making a venue's "sold out" sign irrelevant.
Yet, even concierges from the best credit card rewards programs run into challenges filling last minute requests for flowers, chocolates and dinner reservations on Valentine's Day. Instead of relying on a credit card's concierge to save the day, it's best to connect with them early on if you want help planning a truly romantic experience.
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