Firstly, let me say that in terms of saving space, this wallet is great!  My only complaint is that the elastic bands inside don't do a great job of keeping things secure.  I make sure to keep my important cards (credit, debit, insurance, etc) on the outside and less important cards (store, gym, AAA membership stuff) on the inside.  I would be more apt to rate it a 4 or 5 if a better solution was in place for those interior cards.