What a great card this is!
I first saw the idea on Pinterest and just loved it so I came up with my own version.
There is nothing more to this card than three banners stamped on a Whisper White card base accented with rhinestones between each banner. The Happy Birthday is from Teeny Tiny Wishes (love that stamp set!)
My little tip is to use a stamp-a-majig to line up your banner perfectly. Stamp the middle flag first to fine the center of your card and then position the right and left banners as an easy way to keep the image centered. With handmade, though, always remember it really is OK if things aren't perfect. :)