I am wallet confused too. I have small ones and large ones to accomodate my bag needs. But if I really had to minimize I would have my driver's license, my debit cards (I have a personal and a joint account one), my two cc's, my cc for official business, my HSA card, health and car insurance cards, AAA card for car emergencies, and my credit union card. The reason why I keep all these is that I will lose them when I need them and it's often enough that I use them. I always carry cash with me as well. I can fit all these things in a business card case easily, however I carry a Camellia at the moment. The other cards (loyalty and gift cards) I use a small pouch for them (something made of cotton that is not too heavy).