You need an interface that is FULL DUPLEX for music type recording. That is to say that it can INPUT and OUTPUT at the same time (and keep the two separate). USB mics are generally INPUT ONLY.
For ordinary po' folk, the best of the lot may be the Samson G-track. At least you get a headphone jack, separate a line/instrument in, a level indicator, and a volume control, more like a real interface. Another alternative is B.L.U.E. Yeti, which gives you multipattern options, including stereo: