Paint is a very efficent program that most spriters and fakers use. Thanks everyone for the comments and I will have more up as I go along. I am making a drapion one now it will be up as soon as I get done updating my AR
I use Gimp for my cards, I would suggest that you go & download it.
Also, use Airel for the font, & never ever use sprites for makeing cards (get them from deviantART.com (like I said in my faking contest)).