I usually use 2 out of the 3. I do the design in Illustrator or Photoshop in the dimensions of the business card (i.e. 2" x 3.5" at 300dpi CMYK). Then I import that file into InDesign for layout. If the business card needs to be laid out 10 per page, this is as easy as copy/paste/arrange.

Making changes with this workflow is SO much easier. If there is a period missing or something small, I just change it in the Photoshop or Illustrator document ONCE.