Currently, I carry 2 leather accordion card holders, a standard issue pen, and a leather sleeved IPhone 4S (too value conscious to upgrade every year)
First accordion holder contains: housing access card, keys, Driver License, student IDs (1 for the university I'm full time at (which triples for Dining Pass and Public Transit Pass) and one for the community college I take online classes from to supplement), library cards for my hometown and university town, DCI card, emergency info slip, medical/vision insurance card, and dental insurance card.
Second accordion holder contains: My ATM card, my debit card, my 4 (and counting) rewards credit cards, an assortment of store/restaurant loyalty/frequency cards (including Safeway Club, Lucky Rewards, CVS Extracare, Walgreens Balance, and Starbucks Gold card), and occasionally cash.
I've ordered and will soon be consolidating the two accordion holders into an SC-32 wallet from Savvy Caddy
. If anyone has had experience with that wallet, I'd like to know what they think of it.