I don't know about Wealthfolio, but the import QFX/OFX/CSV/etc. into GnuCash has ways to reconcile that with transactions you've manually recorded/edited, which can be much richer than the bank or CC knows. (GnuCash also has a way to import via network access, but I haven't tried it.)
(Example of richness: splitting am Amazon CC charge into the multiple expense accounts for the items that went into the order, and also accounting for the CC rewards and the Gift Card balance that contributed.)
I tried taking a break from GnuCash for maybe year, and going to a spreadsheet, and found: (1) it was still substantial work to maintain an accurate view of balances, and (2) I was missing a lot of information I found I needed in practice.
That's exactly my problem. Assigning the purchase of a new computer mouse to the "Expenses:ITEquipment" account? Easy if you purchased the mouse at your local computer store and used your debit card. Just define a text pattern to make any purchase from that store go to the ITEquipment account and run it against the csv from your checkings account.
Same purchase from amazon? Difficult, because you have two layers of indirection: checking account > credit card > amazon > it equipment.
Currently testing a new spreadsheet approach to deal with such scenarios, but not easy.
You just need one more account. The card payment is just a transfer to an "Amazon Balance" account or something. Then the individual items are entries against that account.
(Example of richness: splitting am Amazon CC charge into the multiple expense accounts for the items that went into the order, and also accounting for the CC rewards and the Gift Card balance that contributed.)
I tried taking a break from GnuCash for maybe year, and going to a spreadsheet, and found: (1) it was still substantial work to maintain an accurate view of balances, and (2) I was missing a lot of information I found I needed in practice.