For credit card reconciliation, upload your statement in a transaction-level format: CSV, OFX, QFX, MT940, or CAMT. Most cards offer a CSV download from their online portal under Statements or Transaction History; many US banks also offer OFX/QFX.
⚠️ The AMEX "Year-End Summary" PDF won't work. That document shows spending by category (Airlines: $X, Restaurants: $Y) with no individual transactions, so there's nothing to reconcile against. Instead go to amex.com → Statements & Activity → Download → choose "Spreadsheet", pick any date range — you can grab all 12 months in one download — and upload that CSV. It includes every individual transaction.
Monthly CSVs also work — just upload one per month.
One gotcha: a monthly statement PDF (not a year-end summary) goes through the receipt-photo scanner, which is a different feature from credit card reconcile. Reconcile needs the CSV/OFX/QFX transaction file.