A flatware napkin holder combining three elements, a rectangularly folded dinner napkin, a triangular-shaped napkin enfolding a place setting of flatware and a customizable pouch having a closed bottom, closed sides and an open top, the dinner napkin, luncheon napkin and flatware sitting inside the pouch, extending through the open top. The pouch is customizable to complement a motif for any festive occasion with an additional ornamentation. The flatware napkin holder can be used as a place card holder for a table having assigned seats. The dinner napkin, the luncheon napkin, the pouch and the pouch ornamentation can be the same color or complementary colors, using two or more colors, resulting in an exceedingly large number of possible combinations to match any color theme of the decorating motif.