You can't get away with skipping out on flowers for Valentine's day. So don't even try to talk yourself into believing the dinner reservation you managed to land at the fanciest restaurant in town is a good enough effort this year. Sorry—it's not. Show up to meet your date without flowers of some kind in hand, and you're special someone will most likely feel a bit slighted. Retailers are obviously in on the secret too, which is why a dozen roses can run somewhere close to $100 around Valentine's Day. Fortunately, if you whip out the right kind of rewards credit card to make your last-minute flower purchase online, you can make sure your wallet feels a bit of Valentine's Day love this year as well.