Of course it helps if you are making it for someone as gorgeous as my nephew Luke. Honestly - just look at that lovely little face, could he be any cuter! Anyway, I digress! Back to making the card.
photo paper (not essential but nice)
A DL card blank
I used Publisher for this but I think you could just as easily use Word or Powerpoint.
Paste your chosen photos onto a new blank document then insert word art letters and position them over the photos.
Choose a nice chunky font, select "no fill" and a 4pt or more outline.
Just think about which letters of their name goes on which photo, so that you can see most of their face nicely.
When you are happy just print onto your photo paper.
I chose to make my photos Black and White too, in Publisher you can just do that with the "adjust picture" tool "recolor". Where that is exactly will depend of what version you have.
Just cut out the letters of your little cutie patootie and stick then onto the card. Just take a minute or two to line them up nicely and make sure they are properly spaced.
I used a pretty thick outline for the lettering and cut them out leaving the outline showing. I like the outlined effect but you could just as easily have no border, especially if you have bright coloured photos.
I doodled a little aeroplane on the envelope. This was actually the start of my thoughts to make envelopes for handmade cards less boring. You can see some of my other efforts here and I do have some more ideas in the pipeline.
Luke loved seeing himself on his card, even though he is a little too young to be able to read yet!