GUIDE · CARD STATEMENTS TO CSV
To export a credit card statement to CSV, sign in to the issuer’s website, open the card’s activity or statements page, pick a date range and download as CSV. American Express offers two years of activity this way. For older months, download the PDF statements and convert them with the ZeraBooks bank statement converter.
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BY ISSUER
What each issuer’s own help pages said on October 22, 2026. Where a page didn’t say, the cell says so rather than guessing.
| Issuer | CSV download | How far back | Statements as PDF |
|---|---|---|---|
| American Express | Yes: activity as PDF, Excel or CSV; recent activity and six billing statements as CSV, Quicken or QuickBooks | Two years of transactions | Archived statements on request, online within 24 hours |
| Chase | Business (Chase Connect): CSV, PDF or Excel with a date range | Not stated for card activity on a public Chase page | Up to 7 years, depending on the account |
| Capital One | Not described on the help pages we read | Transactions list: two years | Up to 7 years for active card accounts |
| Citi | Commercial cards (CitiManager): CSV or Excel | Not stated | Not stated on the pages we read |
Menus move. If the download button isn’t where you expect, look on the card’s activity page for a download icon or an export option, and set the date range before you click it. Some issuers default to the current billing period only.
Try it on your own documents. One-week free trial, both apps included.
STEP BY STEP
The screens differ by issuer, but the order is the same everywhere.
Use the issuer’s website rather than the phone app. Downloads and date pickers are usually only on the desktop site.
Pick the card, then its transactions or statements and activity page. On Amex the PDF statements and activity sit together.
Choose a billing period or a custom range. Match it to the statement dates, not calendar months, so the file lines up with a statement you can check it against.
Pick CSV, sometimes called comma delimited. QFX and QBO files are for Quicken and QuickBooks; Excel is fine if you only want a spreadsheet.
Keep the original file untouched and work in a copy. Spreadsheets can change dates and long numbers when they save.
Add up the rows and compare with the statement’s previous and new balance, as in the example below. Pending charges in an activity export won’t be on the statement yet.
WORKED EXAMPLE
Tern Street Studio is a fictional design studio. Its card statement closing September 14, 2026 shows a previous balance of 2,406.18 and a new balance of 1,825.59. The CSV export for the same dates has six rows. This issuer writes charges as positive numbers:
| Date | Description | CSV amount | Balance after |
|---|---|---|---|
| 08/15 | Previous balance | 2,406.18 | |
| 08/16 | Payment, thank you | −2,406.18 | 0.00 |
| 08/21 | Print shop | 189.00 | 189.00 |
| 08/27 | Laptop | 1,250.00 | 1,439.00 |
| 08/30 | Font license | 18.99 | 1,457.99 |
| 09/02 | Refund: print shop | −45.00 | 1,412.99 |
| 09/09 | Studio furniture | 412.60 | 1,825.59 |
| Statement | Net of the rows, and new balance | −580.59 | 1,825.59 |
The test: 2,406.18 − 580.59 = 1,825.59, the new balance printed on the statement. Charges are 189.00 + 1,250.00 + 18.99 + 412.60 = 1,870.59. If the rows don’t reach the printed balance, the export is missing a line, includes a pending one, or covers different dates. Signs differ between issuers, so check one charge you know before importing the file anywhere.
WHEN THE DOWNLOAD STOPS
Activity downloads are built for recent months. On October 22, 2026, a two-year window like Amex’s reaches back to about October 2024. Need January to September 2024 for a tax return, a loan file or a catch-up job? Those months exist only as statements.
Statements go back further: up to seven years at Chase and Capital One, and Amex retrieves archived ones on request. Download each month as a PDF, oldest first. A PDF also has something the CSV lacks: the printed previous and new balances, which are what prove the transactions are complete.
Then convert the PDFs. The credit card statement to Excel page walks through a card statement with several cardholders; for a plain file, see convert a bank statement to CSV, which works the same way for card statements.
WITH ZERABOOKS CONVERT
ZeraBooks Convert reads PDF statements you upload. It doesn’t connect to card issuers and doesn’t read CSV files.
PROVEN TO THE CENT
Convert checks every card statement against its own printed balances, and on a statement with employee cards it checks each cardholder’s charges against the total printed for them. A statement that doesn’t tie is flagged with the difference instead of downloading quietly. PDFs up to 50 MB and 500 pages, usually read in under a minute.
How Convert proves a statement
THE FILE YOU NEED
Download CSV or Excel in a fixed format. Money out, which on a card means a charge, is written as a minus in the one-column formats. All details adds the account, cardholder and type on every row. Dates are written MM/DD/YYYY.
Choose a download format
Usually you download the card’s activity as CSV rather than the statement itself. American Express offers activity as PDF, Excel or CSV for the last two years. The statement is a PDF; to turn it into CSV, convert it.
American Express says two years of transactions can be viewed and downloaded as PDF, Excel or CSV. Older statements can be requested from its archive and appear online within 24 hours. Checked October 22, 2026.
An activity export can include pending charges, use calendar dates instead of the billing period, or leave out the previous balance. Export the exact statement dates, drop pending lines, and check that previous balance plus the rows equals the new balance.
It depends on the issuer. Many write charges as positive and payments as negative, the reverse of a bank account. Accounting imports usually want money out as negative, so check one known charge and flip the signs if needed. Rewards redeemed as statement credits appear as credits too; how to handle credit card rewards covers recording them.
No. ZeraBooks has no bank or card connection and never asks for your sign-in. Download the PDF statements yourself, then upload them to Convert.
Convert is part of the ZeraBooks subscription: 1,000 pages a month for $149 a month, or $79 a month billed annually, after a 7-day trial. Larger page plans are on ZeraBooks pricing.
ONE-WEEK FREE TRIAL
Every card statement is checked against its printed balances before you download. 1,000 pages a month from $79 a month billed annually; see ZeraBooks pricing.
Last updated October 22, 2026 · Written by Damin Mutti, founder of ZeraBooks