Here are two 5x7 .psd templates for Photoshop and Photoshop Elements. Just open them up like any other image. To place a photo in the photo cut-out, just drag it UNDER the card layer and ctrl-T (free transform) it to fit. You can keep the text as is, or remove it and add your own. Make sure to flatten the card after you are done!
Download the free CoffeeShop 5x7 Distressed Flower Cards HERE!