It looks like Costco's finally giving us the option of creating our own card from scratch - in the card section, under Other Holiday, the last choice is a blank template. Maybe they've done this for years and I've been an idiot, but I'm so glad I found this this year!
I really need to get mine done... I think I may just use one of Karah's to save on time and 'cause I really like 'em..... Karah's Cards