One nonprofit is helping spread love and joy on Valentine’s Day. Joy by Jennifer is in the business of personalized birthday cards, created by individuals with Down syndrome.

While historians have long debated the holiday's origin story, evidence shows it predates the existence of commercial greeting cards by centuries.

It earns 3% cash back at specific merchants and 2% back on everything else — but only if you use the card with Apple Pay. It's not a game-changer, but the card does offer some intriguing ...