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Easy Overlapping Tri-Panel Fun Fold Card

Posted on April 20, 2026April 19, 2026 by Leen
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Welcome back to the craft room and todayโ€™s Easy Overlapping Tri-Panel Fun Fold Card post. I have recently come across an interesting fun fold card, but when I searched for more examples, not only did they not have the same name, there were only three videos that I could find. So I decided to call this card the Overlapping Tri-Panel Fun Fold card.

While this is a great design for double-sided pattern paper, it is also perfect if you have larger paper scraps youโ€™ve been holding onto. I will also be attempting a belly band closureโ€”something that I always have trouble making. Let me walk you through the entire design.

Download the Free Overlapping Tri-Panel Fun Fold Template

While this is an easy design to re-create, it can feel a little confusing at times. Since I needed a bit of help working through it myself, I decided to create a free PDF download for you as well.

To craft along with me, you can find that download here: Overlapping Tri-Panel PDF.

Cardstock & Supplies

Before we jump into the card project, letโ€™s take a moment to talk about the papers for todayโ€™s card.

The card base is my absolute favorite ivory 110lb cardstock from the Coffee and Cream paper pack from Recollections. The mats for todayโ€™s card are a dark blue linen-textured cardstock that I get from my local print shop.

For the pattern paper, I am using an older Recollections paper pad, Fantasy Floral. This is a beautiful double-sided paper that I have been hoarding for a long timeโ€”and I finally had a large enough scrap to use for this project.

Photo of the Fantasy Floral Paper Pad from Recollections used in todayโ€™s Easy Overlapping Tri-Panel Fun Fold Card project.

Cutting & Scoring the Card Base

To begin making our card, start by cutting the ivory cardstock down to size. On the 8.5″ side, cut the paper down to 5.5″ wide. This will give you a card base that measures 11″ x 5.5″.

Screen shot showing ivory cardstock being cut to 5.5โ€ on the Tim Holtz rotary media paper trimmer for todayโ€™s card base.

Now that we have the card base cut, bring in your scoring board. On the 11″ side, make the first score line at 1.25″.

Screen shot showing the location of the first score line at 1.25โ€ for todayโ€™s card project.

The next score line will be at 5.5″.

Screen shot showing the location of the second score line at 5.5โ€ for today's Easy Overlapping Tri-Panel Fun Fold Card project.

Before making the last score, turn the paper over and score from the back of the card. Once flipped, make the final score at 9.25″.

Screen shot showing the location of the third and final score line at 9.25โ€ on the back side of the card base for todayโ€™s project.

For me, it is easiest to start folding at the 5.5″ score line, essentially folding the card in half. Next, fold the 1.25″ flap in the same direction. When these two folds are complete, your card base should look like the image below.

Screen shot showing how the card base looks after folding the first two score lines.

The last fold will be made toward the back of the card.

Screen shot showing how the third score line is folded towards the back of the card.

I know that can sound a little confusing, so Iโ€™ve included a simple drawing of how your card base should look after folding. In essence, from left to right, your folds will be: Mountain, Mountain, Valley.

screen shot showing how the how the card base looks after making all of the folds as well as a picture on the free PDF download available for todayโ€™s Easy Overlapping Tri-Panel Fun Fold Card project.

When the card is fully folded, it will look like the image below.

Screen shot showing how the finished card base will look folded on all of the score lines.

Cutting Mats & Pattern Paper for the Overlapping Tri-Panel Fun Fold

Now letโ€™s move on to the mats and pattern paper. From the blue linen cardstock, cut pieces to 5.25″ tall. Then trim to:

  • Two pieces at 3.5″ wide
  • Two pieces at 1″ wide
  • One piece at 1.5″ wide
Screen shot showing the card mats needed to complete the finished card for todayโ€™s project.

The pattern paper for this Overlapping Tri-Panel Fun Fold card uses eighth-inch measurements. I know a lot of you, myself included at times, are not fans of that. If you feel strongly about it, you can easily make your pattern paper a quarter inch smaller than the mats instead.

For this card, cut the pattern paper to 5 1/8″ tall, then trim to:

  • Two pieces at 3 3/8″ wide
  • Two pieces at 7/8″ wide
  • One piece at 1 3/8″ wide
Screen shot showing the pattern paper cut to size for todayโ€™s project.

Assembling the Panels

Now that all of the paper is cut, itโ€™s time to build the panels.

Because we are working with double-sided paper, you can lay the pieces out in different ways to see what is most pleasing to the eye. For this card, I decided to showcase the beautiful floral side.

After making that decision, I adhered the pattern paper to the mats using Bearly Art Precision Glue. This gives me plenty of time to adjust everythingโ€”especially helpful with those thinner borders.

Screen shot showing the cut panels with mats and which will feature the floral design and which will feature the reverse side of the double-sided pattern paper.

Placing the Panels

In the free PDF download, I have included color-coded directions for laying out the panels on both the front and back of the card base.

When adding the papers to the inside of the card, place the 1.25″ panel to the left. I like to position all of the pieces first before committing to glue.

Screen shot showing the inside of the card after the pattern paper panels have been added for todayโ€™s Easy Overlapping Tri-Panel Fun Fold Card project.

When adding the panels to the back of the card, turn the card base over so the 1.25″ panel is on the right. Even after doing thatโ€”and laying everything out firstโ€”I still managed to glue the 3″ panel in upside down.

Thankfully, I caught it before the glue dried and was able to pull it back up.

Screen shot showing the back 3โ€ panel after removing it from the card base because it was glued on upside down.
Screen shot showing how I am making sure to adhere the 3โ€ panel to the back of the card correctly by holding it in the direction it should be glued.
Screen shot showing how I am still trying to ensure the correct application of the 3โ€ panel the back of the card for todayโ€™s project.

It took a little bit of mentalโ€”and physicalโ€”gymnastics, but I was able to get it glued down in the correct direction. Although I definitely second-guessed myself a few times along the way.

Screen shot showing the proper placement of the 3โ€ panel to the back of the card for todayโ€™s Easy Overlapping Tri-Panel Fun Fold Card project.

The next time I make this card, I will absolutely be adding arrows to the backs of my panels and the card base. That little step would be a huge help when working with directional pattern paper.

Once everything is in place, you can really see how beautiful this card design is.

Screen shot of the completed front of the card.

Stamping & Die Cutting the Sentiment

For my sentiment, I am using the โ€œSmiles and Hugsโ€ stamp from the Pinkfresh Studio Garden Roses set. Itโ€™s a fine line sentiment that fits perfectly with the floral pattern paper.

I stamped it onto a scrap piece of the ivory cardstock using Gina K Designs Amalgam Ink in Obsidian Black.

Photo of the Pinkfresh Studio Garden Roses stamp set and Gina K Designs amalgam ink used to create the sentiment for todayโ€™s card.
Screen shot showing the stamped sentiment for todayโ€™s project.

To add a little extra interest, I brought in my Nestabilities Labels 4 die set. I absolutely love this shapeโ€”it has always been one of my favorites.

After cutting out the sentiment, I wanted to keep that same shape for the mat. However, with this set, the size jump between layers is pretty significant, and I knew the next size up would be far too large for this application. So instead, I used the same size die to cut a piece from the blue cardstock.

Screen shot showing the Spellbinders Nestabilities Labels Four die set used in todayโ€™s card project.
Screen shot showing the label die used to cut out todayโ€™s sentiment.
Screen shot showing the size difference between dies in the Labels Four set from Spellbinders.
Screen shot showing the cut sentiment and mat card that will be used on todayโ€™s project.

To create the mat, I cut the blue die cut in half lengthwise and adhered each half behind the sentiment. This gives the look of a full mat, and honestly, itโ€™s not very noticeable unless youโ€™re really looking for it.

Screen shot showing the finished sentiment and mat that was created by cutting the mat in half lengthwise and glued to the back of the sentiment label for todayโ€™s Easy Overlapping Tri-Panel Fun Fold Card.

Creating the Belly Band Closure

Ahhhโ€ฆ the belly band.

Over the years I have tried making them for cards as well as boxes, and the results were never very good. If the band fit perfectly, it either wouldnโ€™t come off or wouldnโ€™t go back on. Most of the time, they just fell right off from being way too loose. So today we are going to give it another try and see how it goes.

I am starting with a 1″ x 12″ strip of pattern paper. Before I even bring my card into play, I want to loosen the fibers of the paper using my bone folder. If you know how to curl ribbon with scissors, then you already know the idea here. This helps soften the paper and โ€œteachโ€ it to take on a new shape.

Screen shot showing how to loosen the fibers of the paper before creating a belly band for any project by using a bone folder and โ€œcurlingโ€ the paper gently.
Screen shot showing how the 1โ€™ x 12โ€ strip of pattern paper looks after loosening the fibers with my Teflon bone folder.

Every time I have attempted a belly band before, I have had the card face-upโ€”and I have to think that is part of the problem. This card, made with 110lb cardstock, doesnโ€™t stay closed on its own, so this time I placed it face-down on my work surface.

Holding the card firmly against the table, I wrapped one side of the band across the back without creasing it. Then I brought the other side over in the same way, pulling it snugโ€”but not tight enough to crease the paper.

Screen shot showing how I have the finished card upside down on my work surface as I wrap the right side of the belly band around the card without creasing it.
Screen shot showing the right side of the belly band wrapped around the back of the card without creasing it for todayโ€™s Easy Overlapping Tri-Panel Fun Fold Card project.

Because I am using a full 12″ strip, I do need to trim some of it away before gluing. I trimmed off about an inch, making sure the overlap would be hidden behind the sentiment later.

While still holding everything in place, I also marked where I donโ€™t want glue. I added a good amount to the bottom layer and just a bit to the top edge, then held everything together until it dried.

Screen shot showing how I am trimming about an inch off of the belly band paper so it is hidden under the sentiment label.
Screen show showing the addition of Bearly Art Glue to adhere the belly band ends together.

Adding the Sentiment

Before moving on, I had to test the belly bandโ€”and happily, it worked perfectly! It didnโ€™t fall off when I shook it, it slid off smoothly, and after figuring out the motion, it slipped right back on.

Screen shot showing the front of the finished card with the belly band that fits perfectly onto todayโ€™s Easy Overlapping Tri-Panel Fun Fold Card project.

With the band on the card and the seam in the front, itโ€™s time to add the sentiment. Because the label is wider than the band, be careful not to add glue too close to the edges. Then center it and hold it in place to dry.

Screen shot showing the placement of the Bearly Art Glue on the back of the sentiment label before adhering it to the belly band.
Screen shot showing the placement of the sentiment label on the finished card project.

Finished Cards & Wrap-Up

I absolutely love how this card turned out. Itโ€™s such a different style than Iโ€™ve made before, and I know the recipient will love it as well. This design is also a fantastic way to really show off your pattern paper.

Photo showing the completed Easy Overlapping Tri-Panel Fun Fold Card.
Photo showing the inside of the completed Tri-Panel fun fold card.
Photo showing the outside of the completed Easy Overlapping Tri-Panel Fun Fold Card.

I had so much fun creating this cardโ€”and making a successful belly bandโ€”that I made another one to share with you.

For this version, I used larger scraps from the Graphic 45 Midnight Masquerade collection. This paper is from a mini album class I took many years ago at a Stamp and Scrapbook Expo. The sentiment is from the Tim Holtz and Sizzix Bird Talk stamp set.

Photo showing the Midnight Masquerade pattern paper used to create the second card for todayโ€™s project.
Photo showing the Tim Holz Bird Talk stamp set and Gina K Designs amalgam ink used for the second card in todayโ€™s post.

Because this card was made with scraps, it has a slightly different look than the original. The base is Recollections cream 110lb cardstock, while the belly band was made with 65lb cardstock in the same color.

Working with the lighter weight cardstock made the belly band a bit more difficult. Even after softening the fibers, it didnโ€™t wrap quite as smoothly around the card.

Photo of the second Easy Overlapping Tri-Panel Fun Fold Card featuring Graphic 45 paper and a Tim Holtz stamp for the sentiment.
Photo showing the second completed Easy Overlapping Tri-Panel Fun Fold Card.
Photo showing the inside of the second completed Tri-Panel fun fold card.
Photo showing both completed cards for todayโ€™s Easy Overlapping Tri-Panel Fun Fold Card featuring Recollections and Graphic 45 pattern papers.

Thank you so much for joining me for todayโ€™s Easy Overlapping Tri-Panel Fun Fold Card post. Both versions turned out beautifully in their own way.

Donโ€™t forget to download the free PDF so you can craft along with me. Now Iโ€™m curiousโ€”which design is your favorite? Are you drawn to the soft floral or the bold paisley?

Let me know down in the comments. Until then, I hope you have an amazing week, and Iโ€™ll see you back in the craft room soon!


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