...will a USB soundcard solve my problem?
Most definitely probably.
An outboard interface will almost always be superior to the single-chip integrated sound that came soldered to your motherboard. It will have a wider dynamic range with more overhead and therefore less likely to clip.
Latency, however, is largely a function of the driver's efficiency, and that varies a lot between manufacturers and models. As a general rule, USB devices have longer latencies than PCIe equivalents, but the difference is not significant for audio work.
When selecting a USB interface, base it on the features you need, including some you might not have thought about before. Multiple outputs, for example, to accommodate separate headphone mixes for performers or alternate reference speakers. S/PDIF connections for digital monitors and synthesizers. Zero-latency monitoring. Multiple headphone outputs. Built-in limiter or other DSP. DIN MIDI I/O. Effect loops. Phantom powered mic inputs versus TRS line inputs. These are all potential benefits that may be missing from your current integrated interface.