What Is the Best Credit Card Multi Tool for EDC?

TAC9ER Wallet Multitool

If you're looking for a dependable credit card multi tool, the TAC9ER Wallet Multitool is a fantastic choice. It's 1mm thin, but it feels really solid and has 22 useful functions. Plus, its $9.99 price tag doesn't hurt one bit. Overall, the TAC9ER tops our list as the best wallet tool around. 

Review Summary

Buy on Amazon
Read review

Wallet multitools, credit card tools, pocket multitools—you can call these gadgets whatever you like, but you can’t deny the fact that they’ve grown from kitschy novelty items into actual, functional everyday carry tools.

If you pick the right one, it will be like having dozens of tools in your back pocket.

The only question is, which credit card multi tool is worth the hype and which ones should you not bother with at all?

We know that your time, money, and effort are precious, so of course, we did the testing for you. Here’s a review of the best credit card tools (or wallet multitools or pocket multitools) for everyday carry:

Hold Up—Why Do You Even Need a Credit Card Multi Tool?

Before we head on to the review, let’s get one thing clear: these wallet multitools are not meant to replace your full-sized tools outright. Think of them as smaller, lighter counterparts instead.

These handy tools are the ones you pull out of your pocket in case you encounter small emergencies and quick fixes while on the road, at home, or at work.

That being said, there are many advantages of keeping a credit card multi tool in your wallet.

Here are some of them:

They’re small but durable

As the name suggests, wallet multitools are but the size of a credit card and can fit comfortably in your wallet. Unlike the usual credit cards, however, these pocket tools are usually made from materials like heat-treated stainless steel. They may be compact, but they’re insanely durable. You can use them for tasks like opening cans and bottles, prying nails out, and securing bolts.

They help you save space and weight

Because they’re relatively light, compact, and capable of doing multiple jobs, wallet multitools can save you some real estate in your EDC kitbug out bag, or camping backpack. This also makes them great for people who are constantly working on their weight savings like hikers, backpackers, and cyclists.

They keep a low profile

How many times have you had your pocket knife confiscated at events and establishments? Do people ogle at your Leatherman whenever you take it out to fix something? While we’re at it, how many of your multitools or blades have ended up in the clutches of the TSA?

Thankfully, your wallet multitool doesn’t have to suffer the same fate. These bad boys are pretty low-key. Most of them are also TSA-approved, so you can take them with you when traveling.

A couple of small tools is better than having none at all in a survival situation

A credit card multi tool is not only great for quick, everyday fixes; it may even come in handy in a survival situation.

What Should You Look For In A Credit Card Multi Tool?

best wallet multitool, edc card tool, credit card tool, credit card multi tool

Not all wallet multitools and credit card tools are created equal. When selecting a great credit card multi tool, you must hold it to a few standards, such as the following:


You want your credit card multi tool to be able to handle a lot of jobs, so don’t skimp on its material. Go for one that is made from strong, heat-treated stainless steel—420 is a good place to start. This type of steel is light but doesn’t corrode easily. It’s also able to handle some use and abuse.

You can go for tougher S35VN steel, but keep in mind that this would give you a thicker and heavier credit card multi tool.

Some wallet multitools, like the Victorinox Swisscard Lite, come in plastic casings instead of steel constructions. These are great if you want to cut back on weight. The downside is that they’ll most likely break after several months in your back pocket.

Tool Selection and Functionality

Having a wide selection of tools is only great if said tools all work properly. Choose a credit card multi tool that has a smart and functional set of tools. Remember, it doesn’t have to have the most bells and whistles—it just has to be the most useful.


Can you grip it well? Does it have serrated or sharp edges? Are the tools placed in strategic locations on the card? These tiny details will have a big impact on how well you can use your credit card multi tool, so consider these as well.


What good is a pocket multitool when you can’t take it on a plane? That being said, make sure that your credit card multi tool of choice is compliant with TSA’s guidelines.

How We Did Our Review

As you’ve seen from our previous reviews, we put a lot of thought and effort into selecting and testing the products. Here’s how we did it for our credit card multi tools:

It first begins with a cursory internet search. We scour the interwebs for the best products out there. We comb through hundreds of reviews and testimonials from people from all walks of life to create a shortlist of products that we’ll test out ourselves.

For this review, we selected a variety of wallet tool styles to see the differences and similarities between each type.

Once the lineup was complete, we purchased them ourselves and then tested them. We used these credit card multi tools to fix various stuff—from bolts on bikes to screws on eyeglasses. We also opened dozens of boxes, letters, bottles, and cans in the process. Heck, we even took them out camping.

The results of our tests are found below:

The Top 6 Credit Card Multi Tools

TAC9ER Wallet Multitool

If you're looking for a dependable credit card multi tool, the TAC9ER Wallet Multitool is a fantastic choice. It's 1mm thin, but it feels really solid and has 22 useful functions. Plus, its $9.99 price tag doesn't hurt one bit. Overall, the TAC9ER tops our list as the best wallet tool around. 

Review Summary

Buy on Amazon


Material: 420 heat-treated stainless steel
Dimensions: 3.37 x 2.12; 1mm slim
Weight: 0.91 ounces
Number of tools: 22

  • Screwdriver
  • Straight edge ruler in metric
  • Ruler in inches (flip side)
  • Cable bender
  • Letter/box opener
  • Cord cutter
  • Can opener
  • Peeler
  • Screwdriver
  • Wire diameter of 1.2, 1.6, 2.0, 2.6
  • Cable peeler
  • Nail puller
  • Nail filer
  • Eyeglass screwdriver
  • Slide blade
  • Hex wrench set of 6,8,10,12
  • Lanyard hole/ keyring hole
  • Hex wrench of 7
  • Card insert for smartphone stand
  • Hex wrench set of 9,11,13,15
  • Right triangle/ruler (in and cm)
  • Bottle opener

TAC9ER credit card multi tool

At only $9.99, the TAC9ER Wallet Multitool definitely gave us the best bang for our buck. Somehow this tool managed to pack 22 functions in a 1mm-thin body, so it feels solid enough without being too bulky. It’s also made from heat-treated 420 stainless steel, which helped this wallet multitool hold its own against all the jobs we subjected it to.

TAC9ER 22-in-1 credit card multi tool

We especially liked how the TAC9ER made use of the space: instead of splashing out on the design, you can find a right triangle and additional hex wrenches on the inner side of the card. The placements of the rest of its functions were well-thought-out, too. Although it’s pretty thin, this credit card multi tool still feels great in the hand. You’d have no trouble opening paint cans or beer bottles with this one.

The slide blade, box opener, and various peelers are probably our favorite parts of this EDC tool—they’re nice and sharp out of the box and can do their jobs with ease. Its set of hex wrenches are also capable of handling tough bolts.

The screwdrivers are ideal for small to regular tasks and the can opener is pretty robust, too.

The TAC9ER wallet multitool comes with a sheath, so you don’t have to worry about its edges snagging onto your wallet. It’s TSA-friendly as well. Perhaps the only downside is that its black oxide coating can wear off quickly, especially if you use it often.

But really, that’s the only thing that you have to worry about. For its affordable price, the TAC9ER wallet multitool can deliver its promises and more, so we’re giving it two thumbs up.

Buy on Amazon

Lever Gear Toolcard Pro

The Lever Gear Toolcard Pro is a worthy runner-up to the TAC9ER. It's got rounded edges that give it a nice, ergonomic grip and a selection of tools that are easy to use. 

Review Summary

Buy on Amazon


Material: 420 stainless steel
Dimensions: 3.4 x 2.8 x 0.2 inches
Weight: 0.8 ounces
Number of tools: 40

  • 8 metric wrenches (5mm – 15mm)
  • 8-inch wrenches (3/16” – 9/16”)
  • 8 open-end wrenches
  • Metric nuts 7,8,10,11,13mm
  • Inch nuts #4,#6,#8,#10,¼”,5/16”
  • Large flathead/Phillips screwdriver
  • Metric ruler (8cm)
  • Inch ruler (3in)
  • Protractor
  • Circle drawing template
  • Bottle opener
  • Can opener
  • Cord cutter
  • Small Phillips screwdriver
  • Small flathead screwdriver
  • Straight edge/scraper
  • ¼” Hex bit holder
  • Pry bar with nail puller
  • 30°, 45°, 60°, 90° speed square


Lever Gear credit card tool

Right on TAC9ER’s heels is Lever Gear. For us, its best asset is its rounded edges, which made the Toolcard Pro really comfortable to use. There are no sharp edges that come in contact with your hand or wallet.

Advertising that it’s got 40 different tools sounds like overkill, though. The selection is actually made up of various hex wrenches, plus a few other tools. Compared to the Cha-O-Ha, which has the same set-up, this has a much better selection of functions. It’s lighter and thinner as well.

Lever gear toolcard pro

The Lever Gear’s hex wrenches work great. They’re pretty easy to use, mostly because of the device’s rounded edges. We also like how the screwdrivers are positioned so they follow a diagonal axis, making them easier to control. You can also customize the Lever by adding a money clip (sold separately) so you can do away with the wallet entirely.

The biggest downside to the Lever Gear Toolcard Pro is its price. At $25, it’s more than twice the price of the TAC9ER, which works just as great. Should you spend more on a similar tool? We’ll leave that up to you.

Buy on Amazon

Cha-O-Ha EDC Card

Calling the Cha-O-Ha a credit card multi tool may be a bit of a stretch, as it's really a wrench you can fit in your wallet. It's a lot thicker than the average wallet multi tool, too, at 1.6 ounces. Nevertheless, its hex wrenches are great and the tool can take a serious beating. 

Review Summary

Buy on Amazon


Material: S35VN Stainless Steel
Dimensions: 2.4 x 2.2 x 0.7 inches
Weight: 1.6 ounces
Number of tools: 30+

  • 23 hex wrenches
  • flathead driver
  • #2 Phillips driver
  • Bottle opener (open hex driver)
  • Lanyard hole
  • Prybar with nail lifting slot
  • Tapered straight edge
  • 2″ imperial ruler
  • 30mm metric ruler

cha-o-ha EDC card

The Cha-o-ha EDC card is one thick credit card device. For comparison, the TAC9ER is only 1 millimeter thick, while this one clocks in at almost an inch. Most of the tool lineup is comprised of hex wrenches—23 of them to be exact—and then a smattering of other standard wallet EDC tools like drivers, bottle openers, and rulers. That being said, it’s really more of a “wallet hex wrench” than a credit card or wallet multi tool.

The biggest advantage of the Cha-O-Ha is obviously its material. It’s made of military-grade S35VN steel, which is tougher and more wear-resistant than most. It’s thicker and heavier, though, so while you can use it for robust jobs, it’s pretty heavy on the pocket.

The flathead and Philips drivers are larger than the other screwdrivers in this list, too, so you can use and abuse them however you want.

cha-o-ha credit card multi tool

While this huge wallet EDC tool is designed with a thumb grip, it’s also got serrated edges, which bite into your skin. We found that the Lever’s rounded edges felt comfier than the Cha-O-Ha.

Beyond the wrenches and its material, there isn’t much more to say about the Cha-O-Ha. All things considered, it’s actually more of a pocket wrench than an EDC tool. Its tough material is great for robust jobs.

Because of its thickness, though, it’s not the lightest thing to carry around in your wallet.

Buy on Amazon

Victorinox Swisscard Lite

The Victorinox Swisscard Lite looks premium—and with its price tag, we expected nothing less. Yet, with its limited tool selection, you're better off looking elsewhere for another credit card tool.  

Review Summary

Buy on Amazon


Material: Plastic casing
Dimensions: 2.75 x 0.75 x 1 in
Weight: 0.96 ounces
Number of tools: 13

  • Emergency blade (letter opener)
  • Scissors
  • Magnifying glass
  • Screwdriver 3 mm
  • Screwdriver 5 mm
  • LED flashlight
  • Ruler (inches)
  • Phillips screwdriver 00/0
  • Phillips screwdriver 1/2
  • Tweezers
  • Pressurized ballpoint pen
  • Stainless steel pin
  • Ruler (cm)

victorinox swisscard lite

As you might expect from a brand like Victorinox, the Swisscard Lite looks and feels fancy. Its price tag is also quite hefty at almost $40, so the question is—is this worth the extra bucks?

The first thing you’ll notice with the Swisscard Lite is its design. Victorinox did away with the metal construction and went with removable tools within a plastic casing instead.

The case is surprisingly durable during our initial testing. We tried dropping it from a balcony and it landed on the pavement without a scratch. Many reviews claim, however, that the plastic casing starts breaking down after around 4 to 5 months in the wallet.

Speaking of wallets, the Swisscard has a pretty awkward fit. It’s around three cards thick, so while it can fit some wallets, it really would be more comfortable in an EDC kit or bag instead. This way, you won’t sit on and break the plastic casing, too.

With 13 tools, the selection on the Swisscard Lite is limited compared to the other wallet multitools on this list. We liked a few of the tools, but most of them were either average or disappointing. We liked its cutting tools best. Its spring-loaded scissors and small blade-slash-letter-opener are sharp out of the box. Unfortunately, you can’t take them on the plane, so keep that in mind when traveling.

The flashlight is obviously not the brightest light out there, but it works well enough when you need to look for things in small, dark spaces. The tweezers are capable of taking out splinters and the like. We can’t imagine you can make a fire from the small magnifying glass, but it’s better than nothing in a survival situation.

victorinox swisscard lite wallet multitool

Now, while all of this sounds well and good, there were a couple of tools that hardly made sense. Take the pin, for example, which we almost immediately lost in a pile of sawdust while out on the field.

We also didn’t like the set of screwdrivers, if you can call it that. It’s basically a small, thin square of metal with different screwdrivers at each point. The steel may be strong, but its shape makes for an awkward grip that renders the tool practically useless. The “pen” is basically a refill that you should only use when you don’t have any choice.

Overall, we find that the Swisscard Lite is just an expensive container of average tools. Since the only great thing about it was its scissors and letter opener, you’re probably better off with a Swiss Army knife.

Buy on Amazon

Wallet Ninja

Wallet Ninja may be no stranger to you, but does the brand live up to its popularity? Our verdict is no. While it has a sturdy build, most of its tools just aren't functional. 

Review Summary

Buy on Amazon


Material: 4 x heat-treated steel
Dimensions: 3.3 x 0.1 x 2.1 inches
Weight: 2.4 ounces
Number of tools: 18

  • 6 Hex wrenches
  • A can opener
  • Fruit peeler
  • Bottle opener
  • Standard ruler
  • Phillips and Flathead screwdriver
  • Metric ruler
  • Letter opener
  • Box opener
  • Phone stand
  • Eyeglasses

wallet ninja credit card tool

We’re not really sure why Wallet Ninja decided to release a camo-colored wallet multitool (who would you want to hide this from?), but we put it to the test nonetheless.

Wallet Ninja is one of the most popular wallet multitool brands out there, but it honestly didn’t impress us much.

First off, we thought that the logo took up way too much space on the card. They could’ve fitted a couple more functions, like a larger set of hex wrenches, perhaps. As it is, the existing hex wrenches on the side of the card weren’t very functional themselves.

The camo variety makes it super hard to read the marks on the tool’s ruler. Again, we don’t know what their motivation was behind this color scheme, but it’s not serving a very great purpose so far.

The screwdrivers are pretty average; the smaller ones work well enough (as in repairing eyeglasses) but the larger ones are hit-or-miss. Its bottle opener worked well enough. The box/letter opener is a definite thumbs-down, though. It simply doesn’t work.

wallet ninja credit card multi tool

The rest of the tools on the Wallet Ninja go on like this. There are a lot of them, but they simply aren’t functional at all.

Overall, the Wallet Ninja promises a lot of bells and whistles, but when it came to it, it simply didn’t deliver. Its material was sturdy and promising, but its tools just didn’t make the cut.

Buy on Amazon

Pocket Monkey

At first glance, the Pocket Monkey stood out from the rest of the wallet tools on this list. But, as we soon found out, it stood out for all the wrong reasons. The monkey design just made it difficult to hold, and the card felt a little fragile. Don't even get us started on the tools. 

Review Summary

Buy on Amazon


Material: Stainless steel
Dimensions: 3.3 x 0 x 2 inches
Weight: 0.64 ounces
Number of tools: 12

  • Bottle opener
  • Flat screwdriver
  • Philips screwdriver
  • Micro screwdriver
  • Phone kickstand
  • Headphone wrap
  • Orange peeler
  • Bottle opener
  • Letter opener
  • Door latch slip
  • Hex wrenches
  • Ruler
  • Straightedge

pocket monkey credit card multi tool

Okay, we won’t beat around the bush: the Pocket Monkey is really more of a kitschy gift than an EDC tool. There, we said it. You’d think a popular tool like this would be at least functional, but nope—the majority isn’t always right.

Sure, the monkey design is funky, but it’s not necessarily functional. Like the Wallet Ninja, the design takes up way too much space. Next, the material is pretty flimsy. It’s made of stainless steel that notably feels thinner than the rest of the lineup.

Its tools aren’t very impressive either. The ‘monkey’ design makes for an awkward grip. With its smooth, shiny finish, it’s pretty hard to get the screwdrivers and hex wrenches to work.

pocket monkey edc credit card tool

With functions like orange peeler and headphone wrap, it’s kind of hard to imagine why you’d need this EDC tool in the first place. Even the phone kickstand hardly works—the slot is a squiggly line that can hardly accommodate another card.

Overall, the Wallet Monkey feels more like a toy instead of a credit card multi tool. You might want to spend your 15 bucks somewhere else.

Buy on Amazon

Final Thoughts

There you have it: the top credit card multi tools for everyday carry. These devices may not replace your full-sized tools outright, but you can’t deny they deserve a spot in your EDC kit or wallet.

We liked the TAC9ER wallet tool best out of the bunch. It’s got a nice tool selection, has solid functionality, and is affordable. It definitely has the best price-performance ratio out of all the credit card multi tools on this list. Right on its heels is Lever Gear’s Toolcard Pro and its ergonomic rounded edges. Cha-O-Ha takes third place with its robust material and no-nonsense hex wrenches.

What about you? Which credit card multi tool did you like best? Let us know in the comments below!

Advertising and Affiliate Disclosure

We put a lot of effort into all of the content on tactical.com. We are able to provide this content for free because we earn money for advertisements on this site. We also earn small commissions for sales generated via our affiliate links. While these commissions do earn us income, they do not cost our readers anything additional. Clicking on our ads or links helps support our staff and we sincerely appreciate your support.