Have to be careful when getting cheap "low-latency" cards. I got mine and it said 5ms latency. But from what i heard, latency depends also on your processor. I mailed the company with my processor specs and they said that my processor is too slow for achieving 5 ms latency. Don't know if it's true or just an excuse. But the minimum i managed to squeeze out was about 15ms which is noticable especially for bassists and drummers. For singing and guitar not that bad.

But RME Hammerfall series cards have their own on-board processor so you will be completely independent from your CPU. However those things cost a fortune. And if you're not planning on going professional, it's not really worth it.