Credit Card Statement to Excel Converter
Convert credit card statements from Chase, Amex, Capital One, Citi, and any issuer to Excel. AI expense categorization for business expense tracking and tax preparation. Unlimited conversions for $79/month.
Why Convert Credit Card Statements to Excel?
Credit card statements contain critical business expense data trapped in PDFs. Converting to Excel enables expense tracking, tax deduction identification, and accounting software imports.
Business Expense Tracking
Track business credit card expenses in Excel for budget analysis, department allocation, and vendor spending reports. Categorize travel, meals, supplies, and subscriptions.
Tax Deduction Identification
Identify deductible business expenses for tax preparation. AI categorization flags travel, professional services, equipment, and other deductible categories automatically.
Accounting Software Import
Import credit card transactions directly to QuickBooks, Xero, Sage, or Wave. Pre-formatted exports with proper date formatting, categorization, and duplicate detection.
Client Expense Management
For accountants and bookkeepers: process client credit card statements with client management dashboard. Organize by client, track conversion history, batch process multiple clients.
Month-End Reconciliation
Reconcile credit card statements against accounting records. Match credit card transactions to receipts, identify missing expenses, and close books faster.
Audit Trail Documentation
Create documented audit trails with organized Excel files. Access conversion history for any period. Essential for IRS audits, expense reports, and financial reviews.
Supported Credit Card Issuers
Zera AI dynamically processes credit card statements from any issuer. No templates required—the AI recognizes statement formats automatically and extracts transaction data with 99.6% accuracy.
Zera AI: Any Credit Card Format
Unlike template-based tools that require training for each issuer format, Zera AI dynamically recognizes any credit card statement layout. If your issuer is not listed above, Zera AI will still process it—whether it is a small credit union card, a store credit card, or an international issuer.
Data Extracted from Credit Card Statements
Zera AI extracts comprehensive transaction data from credit card statements, organized into clean Excel columns ready for analysis or accounting software import.
Transaction-Level Data
Transaction Date & Post Date
Both purchase date and posting date extracted
Merchant Name
Cleaned merchant names (removes reference numbers)
Transaction Amount
Charges, credits, payments, and fees
AI Expense Category
Travel, Meals, Supplies, Software, etc. (GAAP-trained)
Reference Number
Transaction ID for matching to receipts
Statement-Level Data
Statement Period
Start date and end date of billing cycle
Account Number (Masked)
Last 4 digits for account identification
Statement Balance & Minimum Payment
Total due and minimum required payment
Credit Limit & Available Credit
Credit utilization data for analysis
Payment Due Date
Due date for accounts payable tracking
Manual Entry vs Zera Books
Stop manually typing credit card transactions into spreadsheets. See the time savings with Zera Books.
Manual Data Entry
Open PDF statement
Navigate pages, zoom in on transactions
Type each transaction into Excel
Date, merchant, amount—one by one (25-30 min)
Categorize each expense manually
Decide category for each transaction (15-20 min)
Verify totals match statement
Find and fix typos, missing transactions (10-15 min)
Format for accounting software
Map columns, fix date formats (10-15 min)
Total Time: 60-80 minutes per statement
Plus high error rate from manual typing
Zera Books
Upload credit card statement PDF
Drag and drop or batch upload multiple statements
Zera AI extracts + categorizes automatically
All transactions with expense categories (30-60 seconds)
Review and adjust categories (optional)
Quick review of AI categorization (1-2 min)
Export to Excel or accounting software
Pre-formatted for QuickBooks/Xero (10 seconds)
Total Time: 2-3 minutes per statement
Save 57+ minutes per credit card statement
Real Results from Accounting Professionals
"My clients send me all kinds of messy PDFs from different banks. This tool handles them all and saves me probably 10 hours a week that I used to spend on manual entry."
Ashish Josan
Manager, CPA at Manning Elliott
Key Benefits
Related Resources
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Import to QuickBooks
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Frequently Asked Questions
Convert Credit Card Statements to Excel in Minutes
Stop manual data entry. Zera AI processes Chase, Amex, Capital One, and all credit card statements with expense categorization for QuickBooks and Xero. Unlimited conversions for $79/month.