I have the SE-350. I have been using it for about a week and I really like it. It is my first embroidery machine though.
As far as the cards.....it is SUPER easy. You just pop it in and choose what you want on the touch screen. From what I read the 270 D is the same on that.
The pics I saw of the 270D here http://www.amazon.com/Brother-SE270D.../dp/B000BS01KK
show it with a spool of thread in it. It does thread differently than mine though.
Overall, for the money, I'm very satisfied with my machine. I am just using it to monogram letters on bows though.