I've been putting off making Valentine cards, but today I submitted and made one.
I've used a dry embossed background using a Sizzix embossing folder. The hearts are Papermania wooden hearts which I have coloured using a Promarker pen in "Poppy Red" and stuck in a circle. I then die cut the word "love" using a Stampin' Up die from their "Sunshine Wishes" set. Finally, I added a tiny pearl to cover the drilled hole in the heart.