Capital One Statement to CSV - 360 Banking & Credit Card Guide 2025
Convert Capital One 360 banking and credit card statements (PDF) to CSV or Excel in 30 seconds. Works with 360 Checking, 360 Savings (including savings goals), Venture, Venture X, Quicksilver, Savor, and Spark Business cards. Handles digital-first format and rewards tracking. 99.9% accuracy guaranteed.
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TL;DR - Capital One 360 & Credit Cards
Best Method: Upload Capital One PDF → 30 seconds → Download CSV + Excel
360 Banking: Handles savings goals (sub-accounts) and instant transfers between accounts
Credit Cards: Extracts rewards (miles/cashback) separately for tax/expense reporting
Success Rate: 99.9% for 360 banking, 99.7% for credit cards (rewards complexity)
Key Advantage: Capital One's digital-first PDFs are cleaner than traditional banks (faster processing)
Cost: Free for 1/day, $49/month for bulk (1,000 pages = 80-120 statements, Capital One PDFs are compact)
Capital One Formats (6 Types)
| Account Type | Key Features | Columns | Success Rate | Unique Quirk |
|---|---|---|---|---|
| Capital One 360 Checking | No fees, digital-first format | Date, Description, Amount, Balance | 99.9% | Transaction IDs included |
| Capital One 360 Savings | Sub-account support (goals) | Date, Description, Amount, Balance | 99.9% | Savings goals shown separately |
| Capital One Venture Card | Miles rewards tracking | Trans Date, Post Date, Description, Amount, Miles | 99.7% | Miles earned per transaction |
| Capital One Quicksilver | Cash back rewards | Date, Description, Amount, Cashback | 99.7% | 1.5% cashback calculations |
| Capital One Savor | Category-based rewards | Date, Category, Description, Amount, Rewards | 99.6% | Different reward rates by category |
| Capital One Spark Business | Business expense categories | Date, Vendor, Category, Amount | 99.7% | Year-end summary for taxes |
Capital One 360 Banking Features
| Feature | Description | Conversion Challenge | Our Solution |
|---|---|---|---|
| Savings Goals (Sub-accounts) | Create named savings goals within one account | Goals appear as separate sections in PDF | AI consolidates all goals or exports separately |
| Instant Transfers | Real-time transfers between 360 accounts | Same transfer appears in both account statements | AI detects paired transactions, marks as internal transfer |
| Performance Savings Tiers | Interest rate changes based on balance | APY varies mid-statement | AI tracks interest rate changes per transaction period |
| External Account Linking | Pull money from other banks | External transfers show generic "Transfer from External Account" | AI preserves original bank name when available |
Credit Card Rewards Handling
| Card | Reward Type | How Shown in PDF | Tax Implication | Export Option |
|---|---|---|---|---|
| Venture / Venture X | Miles (2x-10x per $1) | Miles column in statement | Generally not taxable (purchase rebate) | Include or exclude miles from CSV |
| Quicksilver | Cash back (1.5% flat) | Cashback line item per transaction | Not taxable (purchase discount) | Separate cashback column or combined with amount |
| Savor / SavorOne | Cash back (1-4% by category) | Variable cashback per merchant category | Not taxable | Category breakdown for expense reports |
| Spark Business | Cash back (1.5-2% on business) | Separate rewards summary | Business income (potentially taxable if >$600) | Export rewards separately for 1099 reporting |
360 vs Traditional Banking PDFs
| Feature | Traditional Banks | Capital One 360 | Conversion Advantage |
|---|---|---|---|
| Account Structure | Branch-based, paper statements | Digital-first, electronic statements only | 360 PDFs cleaner, easier to convert (99.9% vs 98% accuracy) |
| Transfer Speed | ACH (1-3 days) | Instant between 360 accounts | 360 real-time transfers require careful de-duplication |
| Sub-Accounts | Must open separate accounts | Savings goals within one account | 360 requires separating goals during export |
| Statement Complexity | Marketing, promotions, disclosures | Clean, minimal design | 360 faster to parse (fewer pages to skip) |
FAQ: Capital One Statements
How do you handle 360 Savings Goals (sub-accounts)?
Capital One 360 Savings allows multiple "goals" (vacation, emergency fund, etc.) within one account. Our AI detects each goal section and can export them separately or consolidated. You choose based on your tracking needs.
Can I export credit card rewards separately?
Yes. For Venture/Quicksilver/Savor cards, rewards (miles or cashback) can be exported in a separate column or as separate transactions. This is helpful for expense reports and tax purposes (business rewards >$600 may be taxable).
Does it work with Capital One Spark Business cards?
Absolutely. Spark Business cards include enhanced expense categorization. The AI preserves merchant categories and exports year-end summaries for tax reporting. Success rate is 99.7%.
Convert Capital One Statements in 30 Seconds
360 Banking, credit cards, rewards - all converted instantly with 99.9% accuracy.
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