Simplify Credit Card Cashback With Quarterly Changes

Updated on April 15, 2019
profile image

Loving technology and saving money or being frugal, I am always looking for ways to simplify how to save or make money.

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)

  1. 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).
  2. 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.
  3. 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.

How To Add A Pinned Note

Questions & Answers


      0 of 8192 characters used
      Post Comment

      No comments yet.


      This website uses cookies

      As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

      For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at:

      Show Details
      HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
      LoginThis is necessary to sign in to the HubPages Service.
      Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
      AkismetThis is used to detect comment spam. (Privacy Policy)
      HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
      HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
      Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
      CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
      Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
      Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
      Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
      Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
      Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
      Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
      VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
      PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
      Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
      MavenThis supports the Maven widget and search functionality. (Privacy Policy)
      Google AdSenseThis is an ad network. (Privacy Policy)
      Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
      Index ExchangeThis is an ad network. (Privacy Policy)
      SovrnThis is an ad network. (Privacy Policy)
      Facebook AdsThis is an ad network. (Privacy Policy)
      Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
      AppNexusThis is an ad network. (Privacy Policy)
      OpenxThis is an ad network. (Privacy Policy)
      Rubicon ProjectThis is an ad network. (Privacy Policy)
      TripleLiftThis is an ad network. (Privacy Policy)
      Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
      Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
      Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
      Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
      ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
      Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)
      ClickscoThis is a data management platform studying reader behavior (Privacy Policy)