Hi mom
I'm going to buck the trend here (and not just to make things more complicated) Yes, Stu and Ari are correct, the optics on the FA50mm are better...BUT...the 18-55 is quite decent at f5.6 to about f11 or so and mid morning to mid afternoon light should be sufficient. Just stay away from the fully wide so you don't vignette and you'll do fine. The reason I say use the 18-55 is that being a zoom it's much more flexible. Since you are working with kids, it will be MUCH easier to get bright shining faces if they don't have to hang out while mom "wastes our time".
I understand that you want your cards to be as nice as possible. However I doubt that you'd see much difference in either lens at card sized photos. If you were talking about 8 by 10's it would be a different story but 4 by 6 photos (I'm assuming that will be the size or smaller) won't show much difference, and none to those not discerning photogs.
NaCl(a perfectly sharp photo of a bunch of grump faces doesnt' make a good card)H2O