American Greetings charges $11.95 for a year subscription. I subscribe and make all my own birthday, anniversary, etc. cards. I think it is still cheaper than going to the card store to buy them. The new service also lets you add photos and customize your cards more than the free service did.

I also get elected at work to do the "your leaving", Christmas, Get well, etc cards so it benefits me. I can see if you are only making a card occassionally where it would not be justified.

I'm not sure but I think Hallmark charges by the card.