I culled a bunch of different sites, but here are the main ones. For most of them, they allow you to upload your own photos or use stock ones, let you add text, some have video options, etc.
To get a feel for them, one of the best ways is to assign yourself a specific sample project. For myself, I have a book challenge that I do every month, and the members want book badges. I have no real skill in doing this. I did my first two months in Powerpoint using existing clipart and the covers of the books we were reading. Kind of cheesy, but hey, they got book badges.
- spark.adobe.com — Adobe’s free tool, although of course they also try to upsell you on Premium templates. Didn’t thrill me.
- https://www.canva.com — There’s a pro version, but not needed. This was more of a business card design, but it had potential.