A pattern background can be the starting place for a business card design. This pattern is much too busy to be used as-is. There's no place to put your text so that it will be visible.
Translucent overlays are useful for creating room for contrasting text, but resist the temptation to do the conventional. There may be a time and a place for brown and rectangular boring, but I'd say it's an exception.
Combining the patterned background with overlaying translucency of various shapes, along with blurs, fades, filters and art, produces interesting results.