I purchased C. Jenkins Miracle Fabric Sheets and either locate clip art borders/frames that I can add text to, print on fabric side, and follow instructions on the package to heat set and cold set the label, then turn under 1/4" seam and hand sew onto the quilt back. Sometimes, I might use a photo I've taken and add text on top.
I like the idea of using interfacing to make a clean edge. The 1/4" seam turned under isn't that easy to keep straight.
I do have an embroidery attachment for my machine....only used once in 5+ years. Someday!