Is it worth buying crypto with fiat on Binance?

I'm new to using Binance and I have a question about buying crypto with a credit card. From what I've seen, there are two ways to do it:

1. Use the "Buy Crypto" page on Binance where you can buy directly with a credit card.
2. Deposit money using a card and then go to the trade page with all the charts to buy at the market price. This seems a bit complicated for new users like me.

What I want to know is whether these two options result in the same outcome, or if there are differences in the rates and fees charged. From my understanding, option 1 is more straightforward but might have higher fees, while option 2, despite being more complex, could potentially be cheaper.

Can anyone confirm if this is true? Are there other differences I should be aware of when deciding between these two methods? Any insights or experiences you can share would be greatly appreciated! Thanks!