I use the iPad and Photofox works well for the meme purpose. You can import a photo in, then add a layer of text, and add more layers as needed. The text can be colored, shadowed, resized. It does not have good directions, and it takes some experimentation.
It’s primarily for working with photos, not drawing.
enjoy
https://imgflip.com/memegenerator
An app or website? I'm not sure.
If you're on a CPU, GIMP is my go to. Basically free photoshop.
I use the iPad and Photofox works well for the meme purpose. You can import a photo in, then add a layer of text, and add more layers as needed. The text can be colored, shadowed, resized. It does not have good directions, and it takes some experimentation. It’s primarily for working with photos, not drawing.