Whether analog FM or digital HD Radio, the earbud cord as antenna will remain -- the underlying physics of how radio works pretty much dictates that you need a fairly long antenna to get decent reception at 88 to 108 MHz. A small built in antenna that would fit inside the phone would probably give you decent reception within about 15 miles of a full Class C FM station.
That said, the chips in cellphones are generally only for analog FM, not digital HD Radio.