This wallet is great, i love the style of it however I give it 4 stars because there is no enclosure and if you carry a lot of cards or cash the wallet stays flapped open. I got rid of a few cards not only because it helps avoid using them but also so that the wallet itself stays shut. If that does not bother you go for it. At least its easily accessible. I like to stash it in a side pocket in my purse.