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Traci has two really great freebies on her blog:

Free chevron 4x6 templates
http://tracireed.com/news/2013/04/cr...emplate-album/

Free rounded corner mat templates (just the rounded corner cards page templates, not the stitching)
http://tracireed.com/news/2013/01/fr...-project-life/

I use my regular kits for pretty much all the embellishing and rarely use the cards but I use a ton of templates. These are my favorite:

Cindys all in one words
https://www.sweetshoppedesigns.com/s...=search&page=1

I love that a lot of Cindys stuff comes in both 3x4 and 4x6 size

Cindys layered everyday cards bundle
https://www.sweetshoppedesigns.com/s...0&cat=0&page=1
https://www.sweetshoppedesigns.com/s...5&cat=0&page=4

Cindys collage cards
https://www.sweetshoppedesigns.com/s...4&cat=0&page=2
https://www.sweetshoppedesigns.com/s...0&cat=0&page=2
https://www.sweetshoppedesigns.com/s...0&cat=0&page=2
https://www.sweetshoppedesigns.com/s...8&cat=0&page=2

Traci’s templates
If you want the hazy page protector overlay:
https://www.sweetshoppedesigns.com/s...cat=640&page=3
If you don’t want the haze but want the stitching:
https://www.sweetshoppedesigns.com/s...0&cat=0&page=1

Traci’s collage cards
3xx4
https://www.sweetshoppedesigns.com/s...cat=640&page=1
https://www.sweetshoppedesigns.com/s...cat=640&page=1
4x6
https://www.sweetshoppedesigns.com/s...cat=640&page=1
https://www.sweetshoppedesigns.com/s...cat=640&page=1