The price difference between the two cards is $60 with the Creative card being more expensive and you get the same features with both cards. When using headphones you can't get 5.1 or 7.1 , there are only two speakers in a headphone. I have the Asus card and I have onboard audio on the MB and with headphones there isn't much difference in sound quality you only notice a difference if you set up a 7.1 speaker system.