Here's a site with Christmas cards to print that let you upload your own photos. There are other templates as well, Christmas calendars and some flat cards..

Does anyone else print their own Christmas cards or make their own Christmas cards? In Japan, New Years cards are actually more popular. We make our own New Years cards every year and I print my own Christmas cards. Our Christmas cards are more elaborate, but I only send out about 15 or so. That makes it a bit easier to just do them myself.