Just to clarify, are you looking for a multi-track solution for home recording, or just looking for something better than on-board sound?
This topic has gone far enough off that it might warrant a new thread.
Just sayin' 
-Edvard
(ah...it's my topic, so i don't mind)
Well, I play my VST piano module live through the audio card's ASIO interface, so low latency is a priority. When I tried Maudio products years ago that were USB connected, I couldn't get the latency down to acceptable levels. Then I got this PCI 2496 card, and it worked just fine. But that was also my really old 2002 computer, not the new one I have now (well, it's almost 3 years old now!). So latency is a big deal to me in live playing.
Next comes the inputs/outputs. I don't have too much of a need for many outputs, but the more inputs the better. Most of the cheap stuff seem to have 2 inputs and outputs vary. It must be easier to put outputs on a device than inputs, I don't know. Or maybe most people like more outputs, and I'm the odd one. Anyway, that's another thing I consider, but it's not as big of a deal as latency. I do record using this card once in a while, but it's usually just me playing or maybe one other person. I'm not planning on using it as a studio a lot, I have friends with much better equipment for serious recordings.
Then, the form factor. Initially, I liked the idea of everything being contained on the internal card, so it all just stays with the computer. But some of these more expensive cards come with breakout boxes. I don't mind that, they just tend to be expensive. That's different from a USB box because the actual card is still installed on the PCI-express slot. A usb card resembles a breakout box, but the heart of the connection is the USB, and I don't think that's as reliable as those cold connector interfaces on the motherboard. But I have no definitive proof of that. however, I can across some forum threads and that amazon review today that put doubts in my head.
Now...I gotta go back to the music store. The clerk accidentally refunded me for three returned cables, but I only returned one. Sounds like he got chewed out a bit by the bosses. I have to go back and sign something. Rarely do those things turn out in my favor, though!!