This question has been asked by hundreds of people, and there is no answer, because it can't be done.  QBO has two completely separate lines for "Description" and "Memo," but will only show the "Description" in reports.  They have actually combined the two (2) words as a column option, making you think you can have both entries.

What makes things even worse is when adding a description/memo to your credit card transactions, you are given the option is to enter a "Memo" quickly, BUT it will not show on the report.  You have to open (i.e. edit) the entire transaction to type in the "Description" line in order for the note to show up in your reports!