Anything on PCI consumes a lot more system bandwidth than stuff that comes directly from the chipset. That's the worst part. With today's CPUs, sound processing chores don't matter as much as they used to - and having a PCI sound card is no warrant for low CPU usage, neither is using onboard sound always using a lot of CPU. It all depends on how intelligent the sound engine is, not where it is.
Creative's audio card drivers have been consistently notorious for excessive CPU usage, even when not playing any sound at all. If it has to be a PCI solution, I'd choose something with VIA's Envy24 chip on - this has come down from the halfway professional arena, with much better performing drivers than Creative's overhyped toys.