I've used Listing Designer a few times through My eBay and at the preview page before listing, it doesn't show any fees. So I think it's free for the moment!

Lots of great designs to try out with different font styles, etc. If you want centred text, just make sure to click on "centre" in the description box. I tried the Collectables design once and it showed as centred in the preview but was still to the left in the listing.