Simplify Credit Card Cashback With Quarterly Changes
Confusing Credit Card Rewards? Remind yourself of what card to use when!
When weighing the pros and cons for different credit cards it can be a lot to consider and in reality it does take some work to get “free” money, points, or miles. After having been on the 5% cash back quarterly calendar I’ve found a trick to make sure I know what card to use when! If you have multiple cards you use for different purchases this trick helps me, especially when I’m at the grocery store with 2 young kids trying or trying to have a quick, positive conversation with the cashier. My hope is this simple trick can help you make money, miles, or points on whatever you purchase!
With all the credit cards out there to ‘travel hack’ with and help you earn miles or travel for free, it is a bit overwhelming for me. I personally have not done the travel rewards yet that so many people talk about but I have heard great things and cool stories from. One from a friend who said his kids travel on points and he travels for free using Southwest’s companion pass system; for a family of 6 its awesome for them!
My Cards And Experience
I am still on the revolving 5% cash back that I started back in college and now I revolve my quarterly rewards between Discover, American Express, and Chase. Discover and Chase have the 5% cash back quarterly and American Express is an always set 3%, 2%, 1% that I make sure to factor in. I recently added the Amazon Prime Visa for its 5% cash back for Amazon Prime Members… Then my wife and I decided to cancel our Prime account
An Added Feature For Couples
An added feature for couples who budget together: you can share the note!
Short How To And Tip
To save a note on your phone (I’ll be sharing from iOS on an iPhone 6s)
- Open the notes app and create your note. When you’re done, head to the list of notes, likely your new note is on top. You can start with just a quick title and add your content later (like step 3).
- Then, swipe RIGHT on your note and you’ll see a thumbtack / pin show up. If you swipe right far enough, when you let go, the Pin will go away and your note will now be set apart or frozen to the top.
- Research your current cards and their benefits and add them with the appropriate shopping categories that fit you!
Now whenever you open your notes it will be at the top. Keep in mind if you use folders in your notes, there are two places you can find it: top of the “all notes / iCloud” section or in the appropriate folder you created it in. Folders can be helpful if there are multiple pinned notes you want to have.
An added feature for couples who budget together: you can share the note! Then when you update it, it also updates for them. You’ll just have to make sure they pin it and remember to check the note when shopping.