www.fotor.com is a photo editor that also can be used to create collages and photo cards. Fotor is a website and also has free Google Play and iTunes apps.
Text Portrait Poster Template PSD. Download here: http://graphicriver.net/item/text-portrait-poster/14783654?ref=ksioks
Make collages in all sorts of shapes. Collage.com - Online Photo Collage Maker
Great website for creating photo collages - make lovely desktop backgrounds!
Free online photo collages that you can save to your computer or post to Flickr, Facebok, or Twitter.
Editor de Fotos | Fotor - Editar Fotos Online de Maneira Simples e Gratuita
Photovisi - Photo Collage Maker
Fotor - Colagem de fotos online
I would never have thought I could do all this with such a great program!