Welcome to SBB and the wonderful world of digi!
Since you are brand new to digi, I will suggest that you check out the "Beginner's Guide"
http://scrapbook-bytes.com/new-to-di...rapbooking.php
There are many different programs available, and some have a 30-day trial period.
Basically, what you want to make is a 4x6 layout, and you have unlimited options when you create these digitally. All you really need to do, is learn your program a little bit... pop into some of the chats and challenges too as the people in there are always willing to help you out.
Each thursday night at 11:59pm EST, I host the "Party with Arti" chat where we do projects like cards. Stop in next week if you have a chance!