I have already made a couple of Valentine cards but still have more to make. So I combined three challenges when making this card.
First I used the card sketch at "STICK IT DOWN", this is one of 3 monthly challenges there and then the tic-tac-toe wild card week challenge #328 at "JUST US GIRLS" and last but not least "THE PAPERS GIRLS" challenge #97 Valentine/Love they all combined with ease. Click the links to each site to see the details and enter.
Here is the sketch
And here is the tic-tac-toe board. I chose the 1st vertical row. Ribbon, Pearls & Layers.