Turn Credit Card Statements into Clean Spreadsheets
Dynamite Docs Team — 2026-08-12
Why card statements are worse than bank statements
A bank statement is mostly uniform rows. A card statement mixes purchases, refunds, cash advances, fees, interest, and a payment due, each a different kind of row with a different meaning. Merchant names come truncated or oddly formatted, which breaks naive category rules and turns reconciliation into detective work.
Extraction handles this by keeping row types separate: purchases, fees, interest, refunds, and payments are extracted as distinct kinds so your totals actually tie out.
The fields that matter
For every transaction you want the transaction date, post date, merchant, amount, category, and which card it hit. Around the transactions you want the fees, the interest, the payment due, and the closing balance. Confidence scores point you at the rows worth a glance, usually the truncated merchant names.
- Merchant, date, and amount are extracted per transaction row
- Fees and interest stay separate from purchases so totals tie out
- Multi-card batches keep their card identifier on every row
Categorizing merchant names
The same coffee chain shows up as “STARBUCKS STORE 12” on one card and “SBUX #0012” on another, and “AWS” is software even though it smells like infrastructure. No category rule catches every variant. So the extraction keeps the raw merchant and lets you assign the category, and every assignment you make is remembered for the next statement.
After a month or two of review, the categories are effectively yours, and the new-merchant list each cycle is short enough to glance through in minutes.
Multi-card and multi-currency
Most companies carry more than one card, and the statements rarely share a layout. A single batch handles them all: each transaction keeps the card identifier from its statement, so a mixed queue exports as one coherent file with a "card" column instead of five separate workbooks.
Foreign spend works the same way. The currency is extracted per row, so a trip that mixed dollars, euros, and yen converts against the right rates instead of being flattened into a guess during transcription.
From statement to books
Once transactions are verified, export to Excel, CSV, or JSON, or push rows into your expense and reconciliation workflows with the API and webhooks. Your merchant-to-category assignments are remembered, so next month’s statement needs less review than this month’s did.
The model choice
Card statements repeat monthly, so per-page cost decides whether the automation pays for itself. Digital statements parse deterministically for free; scanned ones go to the vision model you choose at your provider’s rate, with unlimited BYOK processing on Pro and Ultra. Cards carry purchase data nobody wants in a training set, and Sensitive Documents mode keeps them off training-permitted providers.
Related workflow: Credit card statement processing — extract every transaction.
Try it yourself. Upload a PDF, scan, or image and let Dynamite Docs infer the schema.