yes, the transfer rate, presumably usb is slower. usb 2.0 alot, 3.0 usb faster. look it up on the net. Don't know off hand, but alot slower than 3gb/s. Depends what your needs are for computing & storage.ext is great for back up, but plan strategically when using b/c of lack speed. start back up b/f bed. If you can go w/ a plan for both. internal upgrade and ext. for back up. hope this helped. bleu