I appreciate you for providing on-point details about your concern, @bigislandgaines. I'll share the details to resolve this.
It's good to hear you've set up the bank feeds to automatically download your credit card transactions to QuickBooks Online (QBO). I'd suggest consulting your accountant for your first question. They can help you determine the correct account type for the transfer of its payment that was loaded via your wife's bank feed. You can also transfer the payment by using the Record transfer option. I'll guide you how.
- Go to Banking from the left menu.
- Click the credit card account you need to transfer the payment from.
- Locate and select the transaction in the For Review tab.
- Click the Record transfer radio button.
- Choose the appropriate account from the Select Transfer account drop-down list.
- Add a Memo, such as "Transfer of the credit card payment".
- Click Record transfer.
The screenshot below shows you the steps. For the detailed instructions, see this article's Use banking download section: Record Your Payments To Credit Cards. Just go to the Transfer the payment part.
For your second concern, splitting the payment among various accounts depends on how you track the transaction. You can perform this task if the credit card payment applies to your office supplies and fertilizer purchases. If not, there isn't a need to split it in QBO.
Once done, I recommend reconciling your account monthly to help you detect any differences early. That way, we can ensure it matches your credit card statement.
I'll be right here to help if you need further assistance. Keep safe always, @bigislandgaines.