When I get a brand new credit card and add it to my chart of accounts, should my starting balance be zero?

Let me share some information about starting balance for your credit card account, @cathlene.

It depends. The beginning balance amount should match what's on your bank statement for the same start day.

You can add an opening balance by creating a journal entry. Here's how:

1. Go to the + New button and select Journal entry.
2. Enter a date that comes before the oldest transaction in your credit card account.
3. On the first line from the Account dropdown, select the account you want to enter the opening balance for.
4. On the second line from the Account dropdown, select Opening Balance Equity.
5. Enter the debits and credits based on the type of account you entered on the first line. I also suggest consulting an accountant for guidance with the best accounts to use.
6. Click on Save once you're done.

Check these articles for more information:

• Create a journal entry in QuickBooks Online
• What to do if you didn't enter an opening balance in QuickBooks Online

Here's also a guide in reconciling your credit card accounts to make sure that it matches with your statements: Reconcile an account in QuickBooks Online. 

If you have any other questions about adding or editing your starting balance  feel free to comment below. I'm always here to help you. Have a great rest of the day!