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Credit card statement PDF → CSV · Excel · QBO
Credit card statements into a spreadsheet, proved against the new balance.
Drop the PDF your card issuer gives you. Charges come out negative, payments and refunds positive, the transaction date kept and the posting date set aside — and the whole lot is added back up to the New Balance printed on the statement, so you know it is complete before it goes into your books. Nothing is uploaded.
No account · no upload · CSV free forever · Excel & QBO from $2
Nothing uploaded
card_2026-01.pdf3 pages · 38 rows
| Date | Description | Amount |
|---|---|---|
| 12/06 | Grocer #114 Austin TX | (86.13) |
| 12/18 | Payment thank you | 1,200.00 |
| 12/22 | Airline 0062341 Atlanta | (412.60) |
| 12/27 | Online store return | 42.99 |
| 01/02 | Foreign transaction fee | (3.12) |
| 01/04 | Purchase interest charge | (18.47) |
✓Previous balance 1,834.22 + 38 transactions = new balance 2,511.40 ✓
✓Payments and credits 1,242.99 ✓ against the statement's own total.
Drop card statement PDFs here
or · a year of statements at once is fine
01 — Method
A card statement has its own rules.
Generic PDF converters treat it like any table and hand back the issuer's signs, two date columns run together and section totals mixed in with purchases. This reads it the way a card statement is laid out.
1
Signs from your side
The issuer prints a purchase as a positive amount owed and a payment as a negative. For your books it is the other way round: spending negative, payments, refunds and statement credits positive. Section headings like "Payments and Other Credits" and "Fees Charged" settle each row.
2
The right date, the right year
Transaction date kept, posting date left out of it. Dates printed as 12/28 or "Dec 28" get their year from the billing period — including the December-to-January cycle, where half the rows belong to each year.
3
Added up to the new balance
Previous balance, plus every charge, minus every payment, has to equal the New Balance the issuer printed. The payments total is compared too. If a row was missed or misread, the numbers will not meet, and the report says so.
What it can read — and what it cannot
Works
- The PDF from your card account online — the statement download, with selectable text.
- The usual US card layouts: one table with labelled groups (payments, purchases, fees, interest), or a separate table per group; a transaction date with or without a posting date; reference-number columns.
- Amounts written as 45.00, $45.00, -$500.00, - $500.00 or 500.00 CR.
- A year of statements at once, merged in date order, with each new balance checked against the next statement's previous balance — a missing month shows up.
Does not work
- Scans and photos — no text to read; this tool does no OCR.
- Layouts it does not recognise — it says so instead of guessing. Send the file to support@balancesout.com and the layout gets added.
- Rewards and promotional-balance tables are not transactions and are left out.
02 — Pricing
Free to read and check. Pay per page for Excel and QBO.
Same packs as the bank statement converter — one key covers both.
Any number of pages
$0.10per page
from 20 pages · never expires
- Excel (.xlsx) and QBO export
- Pages are only spent on Excel and QBO
- From 200 pages, 10% extra free
Packs — cheaper per page
| 50 pages | $5 | $0.10/pg | Buy |
| 100 pages +10 free | $9 | $0.082/pg | Buy |
| 300 pages +50 free | $19 | $0.054/pg | Buy |
| 1,000 pages +250 free | $39 | $0.031/pg | Buy |
A year of 4-page card statements is 48 pages. Free pages are added to the key.
Paid through PayPal — cards work too. The licence key is emailed and shown on screen within a minute. 14-day refund, no questions asked.
Every month? Buy the months you need.
One payment for as many months as you choose, 1 to 24 — nothing renews and nothing is charged again; when it runs out you decide whether to buy more. Longer is cheaper: 5% off from 3 months, 10% off from 6, and from 12 months every year costs ten.
Professional
$29/month
1,000 pages a month · choose 1 to 24 months
- 1,000 pages of Excel and QBO every 30 days
- Bank, credit card and income report pages
- Go over in a month? Add a page pack — packs stack on top
Firm
Unlimited
$79 a month · choose 1 to 24 months
- Unlimited Excel and QBO export
- Use the same key on every computer in the office
- Priority on requests for new statement layouts
Give it as a gift
Tick This is a gift at checkout and the key goes to their inbox with your message. Gift 110 pages for $9.
Already bought a key?
03 — Questions
Before you drop a statement.
Is my statement uploaded?
No. The PDF is read by code running in your browser and never leaves your computer. Disconnect from the internet after the page loads and it still converts.
Which way are amounts signed?
From your side: purchases, fees and interest negative; payments, refunds and statement credits positive. That is how QuickBooks, Xero and most spreadsheets treat a card account, so the file goes in without flipping a column.
How is it checked?
The statement's previous balance plus every charge read, minus every payment read, has to equal its printed New Balance. Where the issuer prints a payments-and-credits total, that is compared too. A difference is reported with the amount it is off by.
Does the QBO file go into a credit card account?
Yes — it is written as an OFX credit card statement, so QuickBooks places it in a card register, not a checking account. The last digits of the card number are carried over when the statement prints them.
Can I merge a year of statements?
Drop them all at once. They are merged in date order, a statement dropped twice is left out, and each new balance is checked against the next statement's previous balance so a missing month shows.
What counts as a page?
A page of the PDF, spent only on Excel and QBO exports. CSV is free. Refunds within 14 days, whether or not pages were used.