How to differentiate between a wart and poison ivy skin growth in my wrist?

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If it has appeared only for the last four days, it cannot be a wart. Warts are slow-growing lesions. The sudden onset and itchy lesion is more likely an irritant contact dermatitis to something (like poison ivy). The steroid cream should help with that.

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Wart is also possible. A simple way to differentiate is wart will be firm to feel, and poison ivy (irritating contact dermatitis - ICD) is softer and more likely to be a little oozy. The wart will grow slowly, as ICD size will change faster but most likely come down within a week to ten days. So if you feel the firmness and the size is constant over two weeks, it is a wart that you have coincidentally noticed.