A one time pad consumes as many bits as the message length. It has nothing to do with the bits of information that can theoretically be stored in a deck of cards.
One time pads need to be as long as the data they are encoding. They must not have any repeats. The pad has to be really random.
Thus the maximum length of the message is 54 chars (52 cards, 2 jokers).
And then you have the pad distribution problem - you need to get the pad from Ann to Bob. And the message needs to get from Ann to Bob. So are you using security by obscurity and hoping no-one notices the deck of cards is a OTP?
http://www.schneier.com/solitaire.html