You can use mint to just log transactions you don't have to link any banks. Could also setup quickbooks to work like this as well. That sounds endlessly time consuming but you do you.

It is time consuming but I think it will help keep me accountable more so. I thought mint required a bank to be attached. I’ll have to check it out again

I think you could do this in quicken.

I use quicken for Mac, and unfortunately, Quicken thinks in terms of accounts. I think in terms of purpose. At one investment company I have an account that is mostly intended as college savings (to supplement the kids' 529s), but there is a mutual fund that is NOT part of the college savings.

In Quicken, I download transactions and then drag them from the account they were downloaded into to the account I want them in.

Oh....another thought: in Quicken, I can look at accounts, and I can look at groups of accounts. Quicken aggregates the separate account data from my 3 credit cards into "Credit Cards." I can look at accounts separately or together, as I see fit.

Excel

I use YNAB with 10 credit cards and it works great. Why do you think YNAB or Mint is incompatible with multiple credit cards?

Throwing my hat into the ring for YNAB too. You can enter manually, import automatically or upload a csv/qif file from your bank as and when you please. I have eight credit cards, a car loan, a personal loan and a checking account - and manage them all with automatic import, but for those who don't trust Plaid or MX, or other services that read your financial data directly, you can very easily go "offline" with it and enter or upload manually.

I love YNAB and would hate to go back to my Excel sheets, perfectly crafted though they are. It even survived the cull of last year's price rise for me.

Oh, and none of the apps are as accessible (with a decent, unclunky app) on mobile. I even tried an Aspire Google Sheet for a while, but its mobile app didn't feel finished, nor did it allow me to manage my accounts in the way the YNAB mobile app does.

Mint stopped working for me when I refused to link bank account

I have had a couple dozen bank and credit card accounts linked in Mint, it's not a problem. You can view transactions by each financial institution, if that's the concern.