Template: (if you use this please give me credit!!!)

Superimpose:
Open the template in superimpose then your picture of whatever you'd like. Go to transform and make the filter multiply and turn the opacity down so you can see the heart in the background. Then go to mask and use the masking brush to mask out everything on the outside of the heart. When your finished turn the opacity back up. Merge and save. (If your like add a texture to the background I just opened a paper texture then I opened my cover as the foreground and put it on plus darker. But it's completely up to you)

Picsart: basically the same as superimpose open your template in Picsart then go to add photo and add your picture. Make the filter multiply next click the eraser and erase everything outside the heart when finished click apply then save. (Add the texture the same way only use multiply)

Add your text and your done!

So guys what ya think? Should I do more album covers? Also I just got photoshop on my phone want some tutorials for that? Also my album cover will be in my premades if you'd like it for a cover<3