I have seen these cards in a number of places, but I originally got the idea from Angie from Chic n Scratch (see here), and knew that I wanted to use the idea for some Christmas cards.
This set uses the new Letters from Santa DSP and the new Tags Til Christmas Stamp Set. I have used a 3 7/8" x 7 3/4" card (scored at 3 7/8") in Whisper White on top of the Early Espresso Scallop Square. The DSP is cut at 3 3/4" x 3 3/4".
I added some Old Olive Satin Ribbon or the wonderful new Cherry Cobbler Seam Binding (love this stuff).