Component.
I had once switched from a Hafler DH110 to the then new Sony digital preamp (first one) and I stopped listening.
I realized it was the sound of the preamp, and got a different one!
I bet it is the PC card.
If your card has a toslink out, try an older good but cheap standalone DA.
The Adcom DA600 used is now about $100 or less.
Several other ones too.
I had once switched from a Hafler DH110 to the then new Sony digital preamp (first one) and I stopped listening.
I realized it was the sound of the preamp, and got a different one!
I bet it is the PC card.
If your card has a toslink out, try an older good but cheap standalone DA.
The Adcom DA600 used is now about $100 or less.
Several other ones too.

