Use an Expense or Check when the business pays at the time it receives the item, rather than recording an unpaid vendor bill first. Both forms need a payee, a payment account and category lines. A Check also preserves a check number. Split lines when one payment covers different kinds of cost.
A credit card charge increases a liability; it does not reduce the bank balance until the card is paid. Personal spending by a sole proprietor belongs in Owner's Draw even when it appears on the business bank statement. Choose the account for what was bought and the payment account for how it was funded. Those two choices describe different sides of the entry.