Convert Credit Card Statements to CSV: Amex, Chase, Discover, Citi (2026)
Published on March 10, 2026 by CapyParse Team
Credit card statements are structured differently from bank statements in several important ways. Charges appear as positive amounts while payments and credits are negative. Statements follow billing cycles rather than calendar months. You get category breakdowns, foreign transaction details, and rewards summaries instead of simple deposit and withdrawal lists. This guide covers how to convert credit card PDF statements from all major issuers into CSV, Excel, or QBO format.
Quick Summary
Most credit card issuers let you download recent transactions as CSV from their websites. But these downloads are limited (12-24 months at best, sometimes as little as 90 days) and export transaction activity rather than official statement data. For older statements, full billing cycle data, or QBO/Excel format, upload your credit card PDFs to CapyParse.
Credit Card vs Bank Statement: Key Differences
Before converting, it helps to understand why credit card statements require different handling than bank statements.
| Feature | Bank Statement | Credit Card Statement |
|---|---|---|
| Amount sign convention | Deposits positive, withdrawals negative | Charges positive, payments/credits negative |
| Statement period | Calendar month (1st to 30th/31st) | Billing cycle (varies by issuer, e.g. 5th to 4th) |
| Balance type | Running balance after each transaction | Statement balance (previous, new, minimum due) |
| Sections | Deposits and withdrawals | Purchases, payments, credits, fees, interest |
| Interest | Savings interest earned (if any) | Interest charged on carried balances |
| Rewards data | Not applicable | Points earned, cashback summary, redemptions |
| Foreign transactions | Rare (wire transfers only) | Common: original currency, conversion rate, foreign transaction fee |
These differences matter when importing into accounting software. A converter that only handles bank statements may misinterpret credit card sign conventions or miss sections like fees and interest charges.
American Express (Amex)
American Express offers CSV, QFX, and OFX downloads for both charge cards (Platinum, Gold) and credit cards (Blue Cash, EveryDay). Amex also keeps up to 10 years of PDF statements online, one of the longest retention periods of any issuer.
How to download:
- Log in to americanexpress.com and select your card
- Go to Activity and select your date range
- Click Download and choose CSV, QFX, or OFX
- Save the file to your computer
Limitations: CSV/QFX downloads cover roughly 12-18 months of transaction history. PDF statements are available for up to 10 years. Charge cards (Platinum, Gold) and credit cards (Blue Cash) use slightly different statement layouts. The CSV download does not include rewards summaries or year-end totals.
For older Amex statements or full billing cycle data, see our Amex statement converter guide.
Chase
Chase offers CSV, Excel, QFX, and QBO downloads for credit card accounts, including Sapphire Preferred, Sapphire Reserve, Freedom, Freedom Unlimited, and Ink Business cards. Chase keeps up to 7 years of PDF statements online.
How to download:
- Log in to chase.com and select your credit card account
- Go to the Activity tab
- Click the download icon (arrow pointing down)
- Select your date range and choose CSV, Excel, QFX, or QBO
- Click Download
Limitations: Activity downloads cover roughly 24 months. Chase silently caps downloads at 1,000 rows with no warning. Credit card CSVs omit running balances and use a single signed amount column. For complete billing cycle data or statements older than 2 years, convert the PDF.
For a detailed walkthrough, see our Chase statement converter guide.
Discover
Discover provides CSV and Excel downloads for credit card accounts. QFX and OFX formats have been discontinued. Discover statements include a cashback bonus section that summarizes rewards earned during the billing cycle.
How to download:
- Log in to discover.com and select your credit card
- Go to the Activity page
- Set your date range
- Click Download/Export and choose CSV or Excel
- Save the file
Limitations: CSV downloads cover approximately 12 months of history. QFX and OFX formats are no longer available. The CSV export does not include the cashback bonus section or pending transactions. For complete statement data including rewards, convert the PDF.
For older Discover statements, see our Discover statement converter guide.
Citi
Citi's download interface lists multiple formats, but CSV is the only reliably working option. Citi credit cards include Double Cash, Custom Cash, Premier, and Costco Anywhere Visa.
How to download:
- Log in to citibank.com and select your credit card
- Go to Account Details
- Scroll to transactions and click Download/Export
- Select CSV format and your date range
- Click Download
Limitations: Business credit card accounts are limited to roughly 6 months of download history. Personal accounts may offer slightly more. Although the interface lists QFX and QBO options, many users report these formats either fail to download or produce empty files. CSV is the only reliable option.
For older Citi statements or other formats, see our Citi statement converter guide.
Capital One
Capital One offers CSV and QFX downloads for credit card accounts, including Venture, Venture X, SavorOne, and Quicksilver. The download feature requires a desktop browser.
How to download:
- Log in to capitalone.com on a desktop browser (CSV export is not available in the mobile app)
- Select your credit card and go to the Activity page
- Click the Download button
- Select your date range and choose CSV or QFX
- Click Download
Limitations: CSV download is limited to 90 days only, the shortest window of any major issuer. Desktop browser required. The CSV does not include rewards data or annual fee transactions from the fee section. For anything beyond 90 days, you need the PDF statements.
For older statements, see our Capital One statement converter guide.
Convert Any Credit Card PDF with CapyParse
Regardless of which issuer you use, the process for converting a credit card PDF statement is the same:
Step 1: Download Your Statement PDF
Log into your credit card issuer's website, navigate to Statements, and download the PDF for the billing cycle you need. Most issuers keep 5-10 years of statements available online.
Step 2: Upload to CapyParse
Go to CapyParse's bank statement converter. Drag and drop your credit card PDF (or click to browse). You can upload multiple statements at once to batch-process several billing cycles.
Step 3: Review Extracted Data
CapyParse uses AI-powered extraction to identify every transaction on your credit card statement, including purchases, payments, credits, fees, and interest charges. Review the results in the interactive preview to confirm accuracy.
Step 4: Export as CSV, Excel, or QBO
Click Export and choose your format: CSV for spreadsheets, Excel (.xlsx) for multi-sheet workbooks, or QBO for direct QuickBooks import. All credit card transaction types are preserved in the output, with correct sign conventions for charges and credits.
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Convert Credit Card StatementsHandling Credit Card-Specific Data
Credit card statements contain data types that bank statements do not. Here is how CapyParse handles each one.
Foreign Transactions
International purchases on credit cards involve three pieces of data: the original amount in the foreign currency, the conversion rate applied by the card network (Visa, Mastercard, Amex), and any foreign transaction fee charged by the issuer (typically 2-3%). CapyParse extracts the billed amount in your home currency and preserves the original currency amount and conversion rate in the transaction description, matching what appears on the original statement.
Rewards and Cashback
Many credit card statements include a rewards summary section showing points earned, cashback accumulated, and redemptions applied. These summaries are separate from the transaction list. CapyParse extracts the transaction data from the main table. Rewards summary data appears as a note or separate row depending on the statement format, so you can track points alongside spending.
Fees and Interest
Credit card statements break out annual fees, late payment fees, returned payment fees, and interest charges as separate line items. These appear in their own section on the statement, distinct from purchases. CapyParse captures each fee and interest charge as an individual transaction row in your CSV, labeled with the description from the original statement. This makes it easy to categorize fees separately in your accounting software.
Returns and Credits
Merchant refunds and statement credits appear as negative amounts on credit card statements. Some issuers group these in a dedicated "Credits" section, while others list them inline with purchases. CapyParse preserves the negative sign convention so that refunds correctly offset charges in your spreadsheet or accounting import.
Importing Into Accounting Software
QuickBooks
Export your credit card statement as a QBO file from CapyParse and import it via Banking > Upload transactions in QuickBooks. QuickBooks recognizes credit card accounts and handles the sign convention automatically. For CSV import, map the columns using QuickBooks' import wizard. See our full QuickBooks import guide for step-by-step instructions.
Xero
Xero supports CSV import for credit card accounts. When setting up the import in Xero, make sure to select your credit card account (not a bank account) so that Xero interprets the sign conventions correctly. Charges appear as "Spend Money" transactions and payments appear as "Receive Money" transactions. See our Xero import guide for details.
Excel and Google Sheets
The CSV export from CapyParse opens directly in Excel or Google Sheets. All transaction fields (date, description, amount, category) appear in separate columns, ready for sorting, filtering, pivot tables, or custom formulas. Use the Excel (.xlsx) export for native formatting. For Google Sheets import steps, see our Google Sheets import guide.
Frequently Asked Questions
Are credit card statement CSVs different from bank statement CSVs?
Yes. Credit card CSVs typically use positive amounts for charges and negative amounts for payments and credits, which is the opposite of bank statement conventions. Credit card CSVs also lack running balances and may include additional fields like category codes, reference numbers, and foreign transaction details.
Can I download my credit card statement as CSV directly?
Most major credit card issuers (Amex, Chase, Discover, Citi, Capital One) offer CSV downloads from their websites. However, these downloads are limited to 3-24 months of history depending on the issuer, and they export transaction activity rather than official statement data. For older statements or complete billing cycle records, you need to convert the PDF.
Does CapyParse handle credit card statements from all issuers?
Yes. CapyParse uses AI-powered extraction that works with credit card statement PDFs from any issuer, including Amex, Chase, Discover, Citi, Capital One, and smaller issuers. It correctly handles charge and credit card formats, including sections for purchases, payments, credits, fees, and interest.
How do I handle foreign transactions in my CSV export?
When CapyParse converts a credit card statement containing foreign transactions, it extracts the billed amount in your home currency. The original foreign currency amount and conversion rate are included in the transaction description, just as they appear on the original statement.
Can I convert credit card statements to QBO for QuickBooks?
Yes. CapyParse can export credit card statement data as QBO (QuickBooks Web Connect) files, which import directly into QuickBooks Online or Desktop. This is the easiest way to get credit card transactions into QuickBooks when your issuer does not offer QBO downloads.
What if my credit card issuer is not listed here?
CapyParse works with credit card statement PDFs from any issuer, not just the five covered in this guide. The AI extraction engine recognizes credit card statement layouts from banks, credit unions, and fintech companies worldwide. Upload your PDF and CapyParse will extract the transaction data automatically.
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