I got this idea right from the Stampin' Up! website. One of the other talented demos showed this at a recent event. It's great to go there when I can't come up with an idea of my own. The patterned paper in this card is flocked so the white part is fuzzy.
Stamps: Warm Words
Ink: White Craft
CS: Real Red, White, Christmas Cocoa DS
Other: White Ribbon, White Pen, Ornament Punch