Overall, the wristlet is an attractive product.
When it's zipped open there is ample room for both credit cards and money with a second zipped pocket for change. There is a outside cellphone holder, as long as it's not a large cellphone like the Droid 4. Although it fits in, its a tight fit. The alternative is to put your phone inside the roomy, zipped area. There is also a optional shoulder strap.