Confusion on What I purchased and Filing "Fees"

I am about to file my taxes.  I am under File -> File a Return.  It is asking me for how I want to pay.  I am confused about what  I am paying for.  I paid for the software and 1 state.  Here is the product I purchased: https://www.newegg.com/intuit-turbotax-desktop-premier-with-state-2021-pc-download/p/N[phone number .... What exactly am I paying for? 

Also, the first option says there is an additional $40 fee; does that mean the Credit card option is better/cheaper?

 

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