There doesn’t seem to be a shortage of graphical tools available online, and the latest that I’ve found is FotoJet.
FotoJet has tons of built in templates to design almost everything you need. I found the site when I was looking for an easy way to create a photo collage. Once I started digging into the site I became more and more impressed.
So far the biggest downside I’ve found is that it doesn’t accept Google logins for sign ups.