so if i get an h55 then i would need a graphics card for it to run ( on i3 540 or550)
No, the i3 540, and 550 are clarkdale processors which have the included graphics. No added graphics card is needed on a H55 chipset motherboard.
If you go to newegg, and under Intel cpu's you filter by integrated graphics, you will get a list of 11 such processors, ranging from the G6950 to the i5-680.
The integrated graphics will play something like civilization 2 well, but will not be good for fast action shooters.