I use Printmaster Gold Publishing Suite. It's user friendly. I don't use clip art. I copy and paste pictures. It does cards, labels, posters, etc.
MGI Photosuite also has a card program (I think) and so does Word.
I make all Business cards at Iprint.com. Good Prices and you can upload any of your own photos for the card. It just goes into the "graphic" position. You can enlarge to any size on the card. Very user friendly
I just make my own at home -- I used a photo of 2 of my dogs (1 lab, 1 pug)and designed it in word then printed them on the business cards you can buy at Staples or any office supply store. That way it is also easy to change text or I could change the photo if desired.
I use Avery business cards and software. www.avery.com And have found it user friendly and I can print as many or as few as I want. The no perforation snap apart cards come in a package of 8x10 sheets and work with just about any printer. I buy the blanks at Walmart, Office Depot, Staples or Office Max.