This is a classic thirds card. One thirds of the card is one design and the two thirds is another design. The "ribbon" dividing the two can be anything narrow.
In this case these scrapbook papers are from DCWV LaCreme stack. The ribbon is from a page of striped patterns. The bottom two thirds is a flocked piece.
Placing some kind of embellishment on the ribbon adds to the card. I have used monograms, medallions, buckles or silk flowers. There are many more accents that could be used.