Easy Tech TutsHow to Set Up Credit Cards with Sub-Accounts in QuickBooks Online Easily 2026
By Impran M N
Tracking credit card spend by department or project gets much easier with sub-accounts. This tutorial shows how to set up credit cards with sub-accounts in QuickBooks Online so your expense tracking and budgeting stay organized.
01Navigate to QuickBooks settings
Go to the account settings in QuickBooks Online where chart of accounts and credit cards are managed.
02Create sub-accounts for credit cards
Add new sub-accounts under your main credit card account to separate spending by department or purpose.
03Manage transactions with sub-accounts
Assign transactions to the appropriate sub-account as they come in to keep expense tracking accurate.
04Use sub-accounts for organization
Apply this structure for scenarios like tracking spending across multiple departments or projects within one business.
Frequently asked questions
Can I have multiple sub-accounts under one credit card account?
Yes, you can create as many sub-accounts as needed to break down spending categories.
Do sub-account transactions roll up into the main account total?
Yes, sub-account balances combine into the parent account's total for overall reporting.
Will setting up sub-accounts change my existing transaction history?
No, existing transactions stay as they are; sub-accounts affect how new transactions are categorized going forward.
Is this feature useful for a single-person business?
It's most useful for businesses with multiple departments or projects, though even solo businesses can use it to separate personal and business spending categories.
Watch the full walkthrough
The same steps, demonstrated on screen from start to finish.
