The thing here is that folks are suggesting high-quality cards, but if the only thing that concerns you is eliminating the distortion you're getting from the motherboard audio, almost any dedicated sound card should provide you with sufficient isolation to remove noises like hard disk access and a lot of EMI, relatively speaking.
My advice is to buy from a reputable, local dealer with a good return policy - ANY Asus or Creative - and pop it in. If the noise is eliminated, mission accomplished.
If you do go the USB route, be very careful that it also supports your microphone, since you're using a headset.
Good luck!
Boz
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