Swish Designs offers several photo card designs. After she adds your photo, you can print the cards locally.
FourHarpDesigns has a multitude of photo card designs. She'll also add your photo, send you the file, and then you can print them locally.
Go Against the Grain offers photo cards, notecards, stickers and gift tags for the complete package!
NotMoira offers "handmade hilarity." With titles like "Enjoy the regift" and "You bring the ho to the holidays"these are not your grandma's Christmas cards, folks.