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Top 7 Ways to Save Money (and Earn Rewards) This Valentine’s Day

Feb. 7, 2012
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Let’s face it – being in love is expensive. Between the dinners, movie tickets, breath mints and all the other stuff included in the wooing process, you may find that you’ve spent quite a bit on your love interest even before Valentine’s Day.

We here at NerdWallet are all about spreading the love, so we found a couple deals to help you show that special someone you care without breaking the bank. And you’ll be maximizing your rewards points.

1. More bloom for your buck

Everyone loves getting a beautiful bouquet of flowers, but it does get a little hard to justify spending upward of $70 on something that’ll last maybe a week. Thankfully, American Airlines offers more of an incentive by giving you 9 AAdvantage miles for every $1 spent on as opposed to the 1 mile per dollar that typical credit cards pay.

If shopping at, you can earn 10x American Express Membership Rewards Points, or10% cash back through the CitiBonus Cash Center at And why not make it a combo? For every $1 spent on, you can earn 4 Chase Ultimate Rewards Points – a sweet deal for both of you.

2. Recipe for romance

Planning on making a nice romantic dinner at home, but have learned absolutely nothing from the Food Network? Grab a couple of bottles of wine from and earn 10x Membership Rewards with Amex.  They’ll forget all about the burnt roast in no time.

On the other hand, if you’d like to save a little time and spend the night out on the town, you can get 20% cash back at through the Discover Deals site.

3. “Jewelry always”

You got it, Michelle Obama. Our first lady says that you can never go wrong with jewelry on Valentine’s Day. But as much as we’d like a handcrafted macaroni necklace to do the trick, your significant other may be looking to get something a little shinier. And by shinier we mean more expensive.

Good thing you’ll get 10 points for every $1 spent at through the Capital One Perk Central site. And if you’re really looking to seal the deal, you can also head over to to browse engagement rings and earn 7 Marriott hotel points per $1 spent.

4. Plan for the future

UPromise is another site that offers cash back deals for college expenses and loan payments, so you can earn 5% back for shopping at, plus another 3% for using a UPromise credit card. Plus Zazzle is offering 20% off of wedding planners, save the date magnets, and invitations for the month of February.

Nothing says “commitment” like bailing your partner out of the deep, dark depths of student loan debt.

The cash back can be also deposited directly into a 529 savings account for the kids – perhaps not something to bring up on the first date, but, hey, it’s never too early to prepare.

5. Guy gifts galore

Don’t fret, guys! Valentine’s Day isn’t just for the ladies. If jewelry and chocolates won’t quite do the trick, Chase Ultimate Rewards is offering 7 points per $1 so you can spruce up your work wardrobe at Charles Tyrwhitt. Or drop a hint that you could use a gym buddy and earn 15% cash back at Under Armour through Discover Deals. For the golfers out there, you’ll earn 6 Choice Privileges Hotel points for every $1 spent at GolfSmith.

6. Single and ready to mingle

Flying solo this Valentine’s Day? Well, it turns out discounts aren’t just for the couples – you could earn 50 Bank of America Worldpoints for registering with and another 50 Choice Privileges points for eHarmony. Or you can just treat yourself to all these nice deals, so you get the presents and the bonus points! Now that’s what I call gettin’ some love.

7. None of these tips work for you?

No problem, there are thousands more in the NerdWallet Discounts Tool, so you can compare cash back and bonus deals at all of your favorite stores. This is by no means a complete list.

If you don’t have a Discover card to use at Discover Deals, you may be able to find similar (or better) deals with your Citibank card.  Or if you don’t have a credit card at all, frequent flyer mile and hotel point deals don’t require a specific card, just a membership. And other sites like FatWallet, eBates, Zestii, and UPromise all offer cash back deals through their websites, with no rewards points or credit card required.