Well my opinion will be biased as I'm a designer, but I'd say pay to get them designed by a designer, then pay a printer to print them (I can recommend a good online-printer I've used a number of times). Many printers offer a design service, but they (not all) just churn out the design as they are already tight on budget from the printing.
I've been given many cards that were designed on the cheap, and whilst it probably doesn't matter to the vast majority of businesses/people, there's nothing worse than being handed an ugly, flimsy card. To me it's a little like receiving a weak handshake, but like I said, I'm probably biased.
Many would argue that it doesn't matter, and they're probably right, but really it depends on your business and your target market. If you're wanting to charge for a premium service for example, you should really have a card that sells you as a premium service provider.