For a $15 credit card holder, I give it 5 stars. Decently soft leather, color (blue) was excellent - very even. Good riveting. I REALLY like that there are two spots for the closure to snap onto - the first one works fine for when the holder is mostly empty. Use the second if you have it bulging with cards! It will stay open when I want it to, and stay closed when I want it to.The plastic insert/holders themselves are of decent quality - if handled with reasonable care, it should not rip easily. Each pocket is large enough to hold either a single card or a stack of 2 standard credit cards with no issue.
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