Need to convert credit card statements to CSV for expense reports, accounting, or rewards tracking? This guide shows you how to automatically extract transactions from Visa, Mastercard, Amex, and other credit card PDFs.
The Challenge
Credit card companies provide statements as PDF. To analyze spending, track business expenses, or import into accounting software, you need structured CSV data.
The Solution
PDF Statement → AI Processing → CSV in 30 seconds
- All major card brands supported
- Automatic currency and date recognition
- Foreign transaction tracking
Why Convert Credit Card Statements to CSV?
📊 Business Expenses
Track and categorize business expenses for tax deductions:
- • Travel and meals
- • Office supplies
- • Software subscriptions
- • Client entertainment
💼 Expense Reports
Submit detailed expense reports to your employer:
- • Corporate card reconciliation
- • Reimbursement requests
- • Per diem tracking
- • Receipt matching
🌍 Foreign Transactions
Track international purchases and currency conversions:
- • Multi-currency tracking
- • Exchange rate analysis
- • Foreign transaction fees
- • VAT/tax reclaim
🎁 Rewards & Points
Maximize credit card rewards and cashback:
- • Points/miles tracking
- • Category bonus optimization
- • Spending analysis
- • Multi-card comparison
Supported Credit Card Types
KontoCSV works with PDF statements from all major credit card brands and issuers:
Major Card Networks
- Visa
- Mastercard
- American Express (Amex)
- Discover
- Diners Club
Popular Issuers
- • Chase (Sapphire, Freedom, etc.)
- • Capital One (Venture, Quicksilver)
- • Citi (Double Cash, Premier)
- • Bank of America
- • Wells Fargo
- • Barclays
- • Any bank-issued card
✓ Universal Support: Our AI recognizes statement patterns from 500+ card issuers worldwide. If it's a PDF credit card statement, we can convert it!
How to Convert Credit Card Statement to CSV
Download Statement PDF
Log into your credit card account and download monthly statement as PDF:
- • Chase: Account → Statements & Documents
- • Amex: Account → Statements & Activity
- • Capital One: Account Services → Statements
- • Citi: Account → View Statements
Upload to KontoCSV
Go to kontocsv.de and upload your PDF.
AI automatically recognizes:
- ✓ Transaction dates
- ✓ Merchant names
- ✓ Purchase amounts
- ✓ Foreign currency conversions
- ✓ Fees and interest charges
Processing (30 seconds)
AI extracts all transactions from the PDF statement.
Download CSV
Get structured CSV file with columns:
Date,Merchant,Amount,Currency,Category 2025-01-15,Amazon.com,-89.99,USD,Shopping 2025-01-16,Starbucks,-5.50,USD,Dining 2025-01-18,Hotel Paris,-245.00,EUR,Travel
Common Use Cases
1. Business Expense Tracking
Scenario: Freelancer/small business owner needs to track deductible expenses
Workflow:
- 1. Download monthly credit card statements (12 PDFs for full year)
- 2. Convert all to CSV with KontoCSV
- 3. Import to Excel/Google Sheets
- 4. Categorize expenses (software, travel, meals, etc.)
- 5. Calculate tax deductions
- 6. Submit to accountant or tax software
2. Corporate Card Reconciliation
Scenario: Employee needs to reconcile company credit card expenses
Workflow:
- 1. Download corporate card statement PDF
- 2. Convert to CSV
- 3. Match transactions to receipts
- 4. Add business purpose for each expense
- 5. Submit to finance department
3. Multi-Currency Travel Tracking
Scenario: Frequent traveler wants to track spending across currencies
What CSV enables:
- • Track original currency and USD conversion
- • Calculate exchange rate losses
- • Identify expensive foreign transaction fees
- • Compare costs across different cards
- • Optimize which card to use where
Frequently Asked Questions
Can credit card companies provide CSV exports?
Some do, but most only offer PDF statements. Even when CSV is available, it often:
• Requires manual download per month (can't bulk download)
• Has limited history (often 12-18 months max)
• Lacks detail (missing merchant categories, original currency)
Converting PDFs gives you more control and access to unlimited history.
Does this work with business credit cards?
Yes! Business credit cards from Chase Ink, Amex Business, Capital One Spark, etc. work perfectly. The PDF statement format is the same, just with more transactions.
Can I track rewards/points from the CSV?
Most statements show points earned per transaction. KontoCSV extracts this data when available. You can then calculate:
• Total points/miles earned per category
• Effective cashback rate
• Bonus category optimization
How does it handle foreign currency?
Credit card statements typically show:
• Original amount in foreign currency (e.g., €245.00)
• Converted amount in home currency (e.g., $268.95 USD)
• Exchange rate used
KontoCSV extracts both amounts, so you can analyze foreign transaction costs and exchange rate losses.
Can I import credit card CSV into accounting software?
Yes! CSV works with:
• QuickBooks (Self-Employed, Online, Desktop)
• Xero
• FreshBooks
• Wave
• Sage
• Excel/Google Sheets for manual categorization
What about pending/authorization transactions?
PDF statements only show posted transactions (already settled). Pending authorizations don't appear on statements – they only show in your online account. For complete current data, download your latest statement (includes all settled transactions up to statement date).