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I recommend Mematic.<br />
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Open the app.<br />
Tap New Meme.<br />
Tap Camera or Album.<br />
Choose a photo.<br />
Choose the 2nd style that has the black border around the picture.<br />
Tap to add a Caption.<br />
Save/Share.
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Kyle: I need a box underneath or above the photo. &nbsp;Not a border. I'll even take a ribbon or a balloon. But I don't want it on the photo.
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I would recommend both Pixelmator and Photoshop Express since they are professional image editing application. If you are looking for simple solutions, check out Pitu, its a fun and interactive image editing app that allows you to add many items on to the photo.
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I'm looking for an app that will take photos and add text to the bottom or top . &nbsp;Outside the actual photo.<br />
In other words, let's say I have a regular size photo in my iphone. &nbsp;I would like to add a rectangular text box to the top or bottom of that photo so that I can place a caption (with a white background) underneath or above the actual photo. &nbsp;I do NOT want to place the text in the actual photo.
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I'm looking for an app that will take photos and add text to the bottom or top .  Outside the actual photo.
In other words, let's say I have a regular size photo in my iphone.  I would like to add a rectangular text box to the top or bottom of that photo so that I can place a caption (with a white background) underneath or above the actual photo.  I do NOT want to place the text in the actual photo.

iPhone App to add text UNDERNEATH or ABOVE photographs but not IN the actual photo.

A smartphone or smart phone is a mobile phone with an advanced mobile operating system that combines features of a personal computer operating system with other features useful for mobile or handheld use. They typically combine the features of a cell phone with those of other popular mobile devices, such as personal digital assistant (PDA), media player and GPS navigation unit. Most smartphones can access the Internet, have a touchscreen user interface, can run third-party apps, music players and are camera phones. Most Smartphones produced from 2012 onwards also have high-speed mobile broadband 4G LTE internet, motion sensors, and mobile payment mechanisms.

Smartphones

Smartphones run using a variety of operating systems -- Android, iOS and Windows Mobile most commonly -- and an even wider variety of programming languages, including Objective-C, Java, Visual C#, C++ and .NET, not to mention HTML5 and JavaScript, and cross-platform frameworks such as PhoneGap.

Smartphone Programming

The iPhone is a smartphone made by Apple Inc. It and the iPad, along with several other mobile devices from Apple, run on the iOS operating system, which has its own topic, as does the iPad for device-specific questions. Native iOS applications are written in Objective-C or in Swift using the Cocoa Touch frameworks or HTML5 compiled with the help of a package manager such as Adobe PhoneGap; a common IDE is Xcode.

iPhone

Android is a mobile operating system developed by Google, based on the Linux kernel and designed primarily for touchscreen mobile devices such as smartphones and tablets. Android's user interface is based on direct manipulation, using touch gestures that loosely correspond to real-world actions, such as swiping, tapping and pinching, to manipulate on-screen objects, along with a virtual keyboard for text input. In addition to touchscreen devices, variants of Android are also used on notebooks, game consoles, digital cameras, televisions, automobiles and other electronics. Applications are usually developed in Java programming language using the Android software development kit (SDK), but other development environments are also available, including Delphi, Ruby and Visual Studio (using C++).