Heng my speaker uses USB
Money is better first spent on the speakers than on the soundcard/DAC.
Just consider the combinations: Spending $500 only on speakers, vs spending $300 on speakers and $200 on DAC. If anybody tells you the latter sounds better, either you made a really bad choice with your $500 speakers, or you can add the guy to your ignore list.
This gets even more unfavorable for the soundcard/DAC if the total cost is lower - At around $200-300, any money spent on soundcard/DAC takes precious budget away from the speakers, at a price point where there aren't many choices of decent speakers.
But on the other side of the argument, I understand if you already have the speakers, you would want a cheap soundcard/DAC to improve the performance. And those $100 soundcards mentioned still can fall under the reasonably cheap category.
The question then becomes will you be able to hear the difference. (Which is kind of the thread title so I apologize for digressing.)
For that, you can perform your own experiment - Compare how your onboard sound sounds like versus another source, can be a source known to be better or a source known to be worse. Like your smartphone. (Some smartphones are pretty bad but many smartphones e.g. iPhones are way above $100 soundcards.) Or a cheap or high-end DVD player or receiver. Or an MP3 player. Etc.
If you can't hear the difference between the good vs the bad source, then no point. If you can hear a difference, then you can decide if that difference is worth paying $100 for. And that's assuming the $100 soundcard has the performance close to the good source (Let's say the iPhone). Chances are, the $100 soundcards will have a performance closer to onboard sound instead.
In fact, onboard soundcards seem to be getting very good. I just searched "Realtek RMAA" and linked the first 3 results:
https://www.audiosciencereview.com/...yte-aorus-pro-wifi-z390-realtek-alc1220.6434/
https://www.tweakpc.de/hardware/tests/mainboards/msi_b450_gaming_pro_carbon_ac/rmaa.htm
http://borisgermanov.blogspot.com/2012/08/alc892-rmaa-test-report.html (P8H67-M, old product brah)
The two soundcards you posted perform at best at the same level if not worse
https://www.ixbt.com/multimedia/creative/surround51/2448.shtml
https://www.ixbt.com/multimedia/soundcard-duel-dec-2013.shtml
http://www.madshrimps.be/articles/a...io-Portable-Sound-Card-Review/7#axzz5gJkNGRIF
But, this is after all just the raw analog performance. Which you may or may not be able to hear the difference in your experiment above. The additional part of soundcard is the sound effects that it may include... like X-Fi Crystallizer for example. Whether you want to pay $100 for it tho... or whether you'd rather use software methods (which can be free, too)... depends.