This wallet will hold (20) cards but when loaded with (18) items it is actually thicker than the leather wallet I was looking to replace and has uncomfortable front or back pockets. Also, the money clip lost all tension when I attached 4 bills to it. I was hoping to find a quality metal wallet that would contain everything I need to take with me, namely credit cards, licenses, permits, etc., 18 pieces of plastic. , and unfortunately this wallet simply did not exist. If you only have 2-3 items it will likely work as intended and advertised.