Apps needed:
Superimpose
Or picsart

Superimpose:
1. Open your colored background and then the checkered image. Go to mask and use the polygon tool and make sure you have the mask on outside. Make a jagged line across the cover and then double click to save the mask now merge. Add your png and then save your cover.

Picsart:
1. Open your colored background in picsart and go to draw. Add the checkered image now click erase and use the square shape to erase the checkered image to make a jagged line. When finished add your png. Save when finished.

Add your text and your done!

Add ons:

Hope you all enjoy this tutorial! Happy editing lovelies!!