The Christmas Card App by Equinux is a fun app, but very limited creatively. You are able to choose your picture to place in a ready made frame. The picture can be adjusted and zoomed. Text can be changed, however the note area at the bottom is very small and can't be centered. The card comes through fine on email - but when attempting to copy or save image the greeting line is not saved. Forwarding the email results in gibberish and HTML code splashed all over the place. Any text written at the bottom of your email bleeds into the card.
Bottom line - I wouldn't waste the $0.99.