Thanks for getting back to us, @GreatWhiteNorth.
Yes, you're right. The reference field that was pointed out by @john-pero is the MEMO field.
In addition, you can also record these expenses as Credit Card Purchase/Charge in QuickBooks Desktop. Here's how:
You can also open the different type of Purchases report to give you information about your small business's purchases and open purchase orders. In the Purchase Reports section, you will be able to pull reports that provide your company's total purchase from each vendor, purchases by item, and more detailed information about your purchases.
That's it! Please let me know if there's anything else I can do to be of assistance. Keep safe.