I was having a little valentine fun with Shape Collage last night. You can create just about any shape of photo collage. The program includes a selection, like this heart, or you can find your shape in a dingbat font and use that.
It's free! It's fun! (I have no connection to this company!)
This would make a cute card front, wouldn't it?
Extreme Cards and Papercrafting: pop up cards, movable and mechanical cards, digital crafts and unusual papercrafts.