I had the same problem, then I found https://www.picnik.com, I love it. You can upload your pics there, do exactly what you are saying and then save them to your computer, flicker, wherever you want. It is free, but they have an upgraded package for $25 flat fee that I got, and I love it. It is really fun to play around with, your options are limitless. I especially like it because of exactly what you want…hope this helps!