Thank you for returning to this thread, SWetzel. Both approaches can accurately capture expenses from your personal credit card accounts. 

There are ways to record expenses from a personal credit card account in QuickBooks Online (QBO). Using Journal Entry and manual upload using a CSV file are considered correct and valid.

With the Journal Entry method, you can directly input individual transactions into QBO, which can be useful for recording specific expenses or when detailed tracking is required.

On the other hand, the manual upload using a CSV file allows you to import multiple transactions at once, streamlining the process for larger sets of expenses and saving time. We can use this article to make sure you categorize them properly: Categorize online bank transactions.

Please let me know if you have more concerns or need more clarification about recording transactions in the program. Take care and stay safe.