They are both the same card the difference is the cheaper one is an OEM version that would have came with a dell or something. What happens is the OEM manufactures will have excess surplus and sell them off to different retailers it will come with a limited 30 day warraty instead of the extended warranty you get with the retail version. So I would just get the OEM version since it is cheaper. It will also probably come in a plain brown box.
Now I use an X-FI titanium and I love it but some people will say creative sucks but they have fixed the problems they used to have with drivers.