If you are looking to create gift cards and gift certificates, you can utilize software that can be installed on you computer or use the services of a website that offers free printable gift certificates. Although you are not creating your own design, there are a great many designs available, and they also come in a variety of denominations already printed on the card. They usually are available in a pdf file format and you can print them out, or you can download the file for later use.
If you find something you like but would like to customize the card to suit your particular business, for a small fee, they are usually available in a file format that you can make changes to. A text file is most common and the fee can be as little as five dollars. This is well worth it to you and your business. You may simply want to add your company logo to the certificate and this is easily done with word processing software that allows images to be pasted to the text.
There are software programs that are free, or at least free to use, and the programmer is asking for a donation. This type of shareware can be good if you are planning of creating a variety of give cards, but for most people, the use of online printable cards is more that is needed.