The recession has been a tough time for many Americans, but that doesn’t mean that they have to settle for less romance this Valentines Day.

Have you tried picking a new bank card lately? It is more than a little bit confusing choosing between all the different offers. Bank of America's web site says “Choose from more than 400 credit cards.” Banks offer so many choices it seems their goal is to have a different deal for everyone. Capital One even lets you design your own card, basically letting you pick your combination of the options instead of making you go through a long list to find the card with exactly the options you want. But even at Capital One, at the bottom of the web page that displays the choices, there is a link saying “Not finding what you want? Browse cards at capitalone.com”