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. 

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.

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.

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. 

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.

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.

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. 

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.

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.

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.  

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.

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.

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. 

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.

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.

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. 

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.

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.