Like many people, I carry a wallet. However, I try to keep things minimalist as possible. My wallet, therefore, has just what I will consider as needed. The wallet carries my cash which is usually $25 or less. This is for the instances where I will buy something. I try to not spend the money as right now I am trying to pay off debt and build savings.
The wallet carries my photo ID, contact cards, and a SNAP benefits card. On the other side of the wallet is a credit card, and my transit card. The reason I carry a credit card is just in case I need to spend more than what I have in cash. If I have the money in my checking account, then I will pay the card immediately when it is processed through. The card I carry is what I will consider as the most advantageous to use.