Marissa's mom purchased coffee from the local coffee shop. The first cup of coffee was $3.75. Each refill is $1.50. She also decided to get a bagel for $3.15. If Marissa's mom had 2 refills and a $0.50 discount as part of the rewards program, how much did she spend at the coffee shop?

$11.40
$10.65
$9.90
$9.40