I see there are less options in the O365 version of this. Or are they the same thing? I understand that 0365 is not on-prem. We use 0365 and have been using InfoPath and SPD to create workflows for a couple of years.
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In fact the difference is related to your needs. The action is meant to work within a site scope, where the workflow is executed. This is why this action is better defined - the form you need to fill is more specific - it works in a defined environment.
On the other hand, the action is supposed to work in the tenant of your choice - you just need to provide credentials to access the specific list in the specific tenant. So it's not related to your environment or a specific list - that is why you need to configure all settings by yourself.
Just to clarify Tomasz's reply. Both actions do almost the same thing (create an item). Both actions are available for SharePoint on-prem and o365.
You would use the office 365 create item action if you want to create an item in o365 but are not in the same site collection / tenant or if you're executing the workflow from SP on-prem and want to create an item in o365. This one can also be dynamically created e.g. if you don't know the names of the columns at design time.