YNAB

Uses YNAB as the place every credit card transaction lands and keeps card rewards in a separate spreadsheet, tracking redeemed cash back as its own YNAB category.

“Another YNAB user here. I use it as my CC tracking and transaction clearinghouse. My budget categories don't track CC categories though”

Loves YNAB despite a steep learning curve; automatic categorisation works well and fixing a wrong category is easy.

“I love YNAB. It does have a steep learning curve, IMO. The auto-categorization of transactions is very good in my experience”