You might not want to use white writing, but once you see your cards in print, you'll understand the importance of color contrast.
As a general rule, create photo based cards in Photoshop and character cards in Illustrator.
For example, printing trading cards for your baseball team is probably a Photoshop project because you'll use high resolution JPEGs as a big part of the design.
To make your own trading card game with complex graphics and a plotline, Illustrator would be a better choice.
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