@Ngb12347 ,
I’m glad you found my comments helpful. Yes, exclude those Credit Card Payment transfers.
If the credit card rewards are a set 2% perhaps for all transactions, you could calculate the 2% credit total on this sheet and include it as a credit in the amount due. Or you could manually enter the changing rewards value, but that might be a lot of work.
This formula would give you a list of all your credit card accounts:
=FILTER(Accounts!H2:H,Accounts!M2:M="Credit")
It assumes you use the Type = “Credit” for your credit card accounts. If you use a different type name, substitute that at the end of the formula instead of the word Credit.