I was looking for an online printer and I came across this site. It explains why you no longer need a designer to do your cards. They offer a bunch of templates. Just pick your industry and go from there. Of course I had to look. If you're a dry cleaner, then there are all these choices to make. The designs are about as sophisticated as clip art from Word. However, I did come across another site recently that does have some fantastic design. http://inkd.com/
The only problem is two-fold. One, you're buying a template. That means that the business down the street from you can also do the same. Your brand? What brand? You're buying a design. A design that easily show up from a competitor. Try setting yourself apart with your services or products when from a visual point of view there is nothing to do that. What you have here is a better looking version of Word. Second, I have a problem with designers that take concepts that were done for a client and try to resell them. It's an ethics issue and one that I do not participate in.