Fast doesn't need to look cheap. E-creation recently produced a business card design for a local Bournemouth business with a 4 hour design budget (£275 + VAT). Okay, it's not a fast or cheap as online business card design tools or websites BUT the results are in a different league.
Using a spot varnish, the golden area of the business card will actually 'shine' like gold within the need for expensive foil printing and will provide a better 'feel' to the finger. This is something that online business card printing company's design tools can not deliver - a deep understanding of both design & the medium itself.
So if you are serious about your business, how it looks and how people will feel about you - then give your business cards proper consideration and avoid the online business card designer trap!