I own a Brother embroidery machine and I love it. My has a card where the designs are transfered to from the computer. But I also had to buy the Ultimate Box to be able to do that. It also came with some built in designs. It does cost a lot to get the other things you need to do embroidery. The shades of the colors of thread alone can be costly...but they do last me awhile. If you really want to embroidery then buying a machine is the first step!! You don't have to buy everything all at once.
I bought all of my machines from here and the delivery is free and they arrive in about 4 days. Check out this machine....
http://www.allbrands.com/categories/...-se400-with-no
Good luck with your search! You will love doing machine embroidery.