I don't really know at this point. I just visited the Creative website Ravi provided and found their pcmcia card was $130 vs $250 USD for the usb card (which does a lot more but not features I care about).

I think I'll look around for a cheaper pcmcia card as the Creative card seems a bit expensive and from the comment Thasp made the Creative cards may not be the best anyway (could be paying for marketting, the name etc.).