You didn't really get an answer to your question. The obvious answer is to use any word processing program that has a graphics editing capability. I'd use WordPerfect and output to a PDF file. But that's just my choice. I think current versions of Word will also allow PDF output.
Another option is a graphics editing program. You can get outstanding results with the "Paint" program that comes with Windows.
A great choice would be to set up an eQSL account, capture the image you create for your card as a JPG file, then edit it in Paint (or whatever) to add a custom report box.
But why would someone be seeking electronic qsl's if they don't use eQSL? It's really cheap to subscribe to eQSL and create a truly custom card. Even the cards for free accounts are as good as (or better than) any homebrew electronic card. My eQSL card can be seen at http://www.qsl.net/k8wv/