Well, video card is not the only problem. The recommended CPU speed for this game is 1.5 GHz, mine is about 50% slower, not to mention the missing instructions and additional L2 cache that the new CPUs have. Also, I have 64MB less RAM than recommended, and even the RAM that I have is still DIMM, which means slow.
I have Civ3, and that one runs BARELY satisfactory on my machine now as it is. Now, note the Civ3 minimum requirements: Pentium 2 300MHz and 32MB of RAM.
According to this, I should have at least 3GHz CPU, 2GB of RAM, and the latest/fastest ATI/nVIDIA graphics card for Civ4 to run normally as expected.
I've always noticed how game makers announce at least 3 times lower system requirements than they appear later in the real world when you actually play the game.
On the side note, I figure that most (if not all) game makers don't have the guts to make a new game with the same old LOW system requirements without the overdone cosmetics, but improved gameplay and 100% fixed bugs instead.