For two years now, I've gotten my photo holiday cards through walgreens.com. While I prefer the styles found on Shutterfly, you don't have the option to print the cards at Target and pick them up.
My order at Walgreens was ready after an hour of creating the cards. Anyway, retailmenot has a code for $10 off a $20 photo order online. Use CREATIVE at checkout. I got 40 cards for $17 (tax included).
I'm not a vendor.