10 Best Multi Tool Credit Cards 2022

Last Updated January 17, 2022
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Credit card multi tools first emerged as gimmicky stocking stuffers for EDC enthusiasts and nerds. New materials, advances in manufacturing techniques, and the application of good old fashioned ingenuity have made this into an exciting new category in the multi tool market. It helps that they’re downright cool. What’s not to like about carrying 10 or 20 tools slipped into your wallet. Here’s a list including some of the best multi tool credit cards on the market today.

Best Multi Tool Credit Cards

Trying to determine the best credit card multi tool is tricky. The category is broad and includes everything from solid titanium pry bars to single use tools designed to break apart. We’ve tried to list out several high quality tools from different well regarded manufacturers. These tools combine quality workmanship, popularity, and lots of different tool types. Different models fill different roles and are valuable in different situations.

There are several different models from all the biggest categories like survival tools, EDC tools, and building/carpentry aids. Check them out and see if you want to add one to your wallet carry.

PocketMonkey Thin Wallet Multi Tool

Pocket Monkey Credit Card Multi Tool

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The Zootility Tools PocketMonkey is honestly pretty funny looking. Most credit card multi tools do their best to look like a credit card, the PocketMonkey didn’t even try. It’s a rounded tool covered in small bits and snaggy protrusions, including an actual monkey head. It offers you 12 different functions from this unorthodox design. These include:

  • Bottle Opener
  • Flathead Screwdriver
  • Phillips Head Screwdriver
  • Micro Screwdriver
  • Phone Kickstand
  • Six Hex Wrenches
  • Orange Peeler
  • Door Latch Slip
  • Earbud Wrap
  • Letter Opener
  • Ruler
  • Straight Edge

Many of the functions listed above sound weird because they are weird. The orange peeler in particular was one we paused on. In practice the various tools on the PocketMonkey didn’t really meet our function expectations. The various screwdrivers were all oddball sizes and were too flimsy to apply any real force behind them. The micro screwdriver in particular was a big disappointment. It was too large to fit in eyeglasses screws, basically rendering it useless.

Zootility tried very hard to be different with the PocketMonkey but they neglected the utility of their product in doing so. The saving grace is its low price. For what you pay for the PocketMonkey it provides adequate value. Other than the physical use tools like the screwdriver everything works fairly well. The phone kickstand was actually really useful considering all you need for it was another credit card.

Overall we think the PocketMonkey is a useful credit card tool, though not quite as well made as others on this list.

Zootility Headgehog Wallet Comb

Comb Credit Card Multi Tool

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The Headgehog Wallet Comb is another product from Zootility built for wallet carry. It’s designed in the shape of an adorable hedgehog and has a pretty nice metal comb as its central tool. Overall it comes with seven different functions, including:

  • Metal Comb
  • Four Hex Wrenches
  • Phone Stand
  • Chip Clip
  • Screwdriver
  • Bottle Opener
  • Money Clip

The Headgehog doesn’t have as many tools as many other multi tool credit cards but the ones it does have work very well. The hex wrenches are slightly larger than on other tools and the single screwdriver does a reasonable job in both phillips and flathead screws. We really liked the method used for its phone stand. Most card tools require another card to hold your phone. The Headgehog uses the hex wrench areas to give you two angles to set your phone at.

The comb itself is honestly one of the best tools we’ve seen on any credit card tool. It’s a really simple innovation, but few other manufacturers thought about it. We applaud Zootility for making a good quality credit card tool that provides a fairly unique benefit.

Wallet Ninja 2.0 Credit Card Sized Multi Tool

Wallet Ninja 2 Credit Card Multi Tool

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The Wallet Ninja 2.0 is an updated version of the first multi tool credit card ever made. It’s made from heat treated steel and weighs almost a full ounce. This is a good bit heavier than many other tools on this list but the overall quality was also higher. It gives you 20 different tools including a variety of wrenches and screwdrivers. These tools include:

  • Six Hex Wrenches
  • Two Phillips Head Screwdrivers
  • Flathead Screwdriver
  • Eyeglasses Screwdriver
  • Letter Opener
  • Nail Puller
  • Inches Ruler
  • CM Ruler
  • Bottle Opener
  • Can Opener
  • Fruit Peeler
  • Cell Phone Stand
  • Mirror
  • Nail File

It includes all the tools of the highly rated original Wallet Ninja with the addition of a mirror and nail file. One thing we noticed right off the bat is that this multi tool credit card felt sturdier than most of the others. We’d come to expect credit card tools to feel very flimsy and this one really impressed us. All of the tools work very well for what they are. The mirror had a tendency to get dirty in a pocket or wallet but was easy to clean off. The screwdrivers in particular were actually strong enough to turn screws efficiently.

The can/bottle opener definitely works better on bottles. It was a bit of a struggle getting the right angle to open a can. I would recommend carrying something else for your campfire chili. The nail puller was another pleasant surprise. Going in we expected it to be a space filler more than anything else but you can actually pull small nails with the Wallet Ninja 2.0. We highly recommend the Wallet Ninja 2.0 for it’s well made tools and overall strength.

Victorinox Swisscard Lite

Victorinox Swisscard Credit Card Multi Tool

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Victorinox is well known for their massive line of swiss army knives and other pocket tools. The Swisscard Lite is one of their most interesting products from a design standpoint alone. Basically a disassembled swiss army knife, it gives you 13 useful tools in a credit card sized flat pack easy to slip into your wallet. It includes tools like:

  • Letter Opener/Small Straight Blade
  • Magnifying Glass
  • Scissors
  • Phillips Head Size ½
  • Phillips Head Size 00/0
  • 5mm Flathead
  • 3mm Flathead
  • Tweezers
  • Ballpoint Pen
  • LED Light
  • Small Steel Pin
  • CM Ruler
  • Inches Ruler

Right off the bat you’ll notice that the Swisscard has a different tool loadout to most other credit card multi tools. Instead of the standard bottle opener and hex wrenches it gives you things like a removable knife blade, scissors and an LED light. All of the tools are made to Victorinox’s high standards and provide a lot of value, especially for their size.

We really like the screwdriver tool. It resembles a spark plug spacer tool and its quality is far higher than what you find on many other tools. The LED light is great for finding a keyhole and the ballpoint pen writes smoothly (If a pen is important to you resd our best multi tools with pen review). It’s a bit thicker than most of the other tools on this list but you’ll probably end up using it a lot more often. All in all this is a really nice tool that gives you far more value than most other multi tool credit cards.

Boker Plus Credit Card Knife

Boker Credit Card Knife

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The Boker Plus is one of the most straightforward credit card tools we’ve yet reviewed. It provides exactly one tool, a folding knife blade. The blade flips out instead of swiveling and is 2 and ¼ inches long. That’s a pretty good working length, especially for a folding knife that fits into your wallet.

Boker is known for making quality tools and the Boker Plus is no exception. It’s made from 440HC stainless steel and holds a decent edge. You can also carry the Plus as a neck knife if you’re so inclined. Bottom line, the Boker Plus gives you an acceptable knife blade in a small package. The ability to carry it hidden in your wallet or easily accessible on your neck also gives you a lot of flexibility.

Zootility WildCard Folding Credit Card Multi Tool Knife

Folding Credit Card Knife Multi Tool

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The Zootility WildCard combines several useful tools with a razor sharp folding knife all in a credit card shape. It has a lockable blade that folds out like a traditional folding knife. It provides you with a total of five tools, including:

  • Removable Folding Knife
  • Two Screwdrivers
  • Pry Bar
  • Bottle Opener

The WildCard sacrifices tool count to include a reasonably good folding blade. When you aren’t using it the blade closes into a set of metal sheath points that help protect your wallet and fingers. The blade is designed to pop off when you rotate it to the correct point on the lock system. This allows you to quickly replace it if damaged or remove it for air travel.

The WildCard is an interesting design but we do wonder who Zootility intended it for. The knife is an awkward size and honestly, anyone thinking about carrying a credit card multi tool will probably already have a folding knife in their pocket. That leaves you with a bottle opener, pry bar, and two screwdrivers. If you’ve been looking to shake up your EDC the WildCard is worth a look.

Tuls Roul Titanium

Titanium Credit Card Multi Tool

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The Roul Titanium from Tuls is a credit card tool built for the carpenter in all of us. It’s made from light and durable titanium and includes a variety of measurement tools to help you carry out measure twice, cut once no matter where you are. It’s 3.2 in long and 2.1 in wide and weighs just .32 oz, making it easy to keep in your wallet or builders folio. There are 10 functions built into the Roul, including:

  • Standard Ruler
  • Metric Ruler
  • 11/16” – ½” Screw, Dowel, Bit Measuring Guide
  • 2mm – 11mm Screw, Dowel, Bit Measuring Guide
  • Plum Bob
  • Protractor
  • Standard Square
  • Metric Square
  • Pry Bar
  • Lanyard Hole/Keyring

Unlike many of the other credit card multi tools on this list the Roul doesn’t offer physical tools. Other than its secondary use as a pry bar every included function on the Roul is related to measurement. It won’t pop a bottle open or turn a bolt but overall we think this is one of the most practical multi tool cards we’ve seen. Being able to precisely measure screws, bolts, and other building tools on the go is downright useful.

Its titanium construction makes it durable and it’s honestly the perfect size for measuring and marking small projects. Its lack of any sharpened surface also makes it TSA friendly for those of us who travel frequently. The Tuls Roul Titanium is definitely a niche tool, but for that niche it’s extremely useful and well made.

Readyman Wilderness Survival Card

Readyman Survival Cards

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The Readyman Wilderness Survival Card is one of the most unique credit card tools on this list. Instead of small tools built into a credit card shape it provides removable emergency gear useful in a survival situation. It’s 3.5 in long and 2 in wide, perfectly sized to fit in a wallet or Altoids tin emergency kit. It gives you seven different tools in several different versions. These include:

  • Nine Fish Hooks
  • Five Arrow Heads
  • Four Snare Locks
  • Awl
  • Two Sewing Needles
  • Three Saw Blades
  • Emergency Tweezers

To be sure, this isn’t a tool you’ll get everyday use from. It’s a tiny set of emergency gear that might help you survive in a wilderness survival situation. The fish hooks come in a combination of single and double sided versions and are just the right size for medium to large bream or catfish (see our fishing multi tool guide if you enjoy fishing). We were really surprised by how good the saw was for its size. You won’t be cutting any trees down but it does a great job separating branches up to about ¾ of an inch in diameter.

All of the pieces are easy to remove yet sturdy enough not to be damaged sitting in a wallet for months at a time. None of the tools are as good as purpose built versions but they don’t have to be. They’re an emergency solution to keep you warm and fed in a dangerous situation. Bottom line, the Wilderness Survival Card is a great EDC piece for those of us who live by ‘just in case’.

Lever Gear Toolcard Pro Credit Card Multitool

Lever Gear Credit Card Multi Tool

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Lever Gear really swung for the fences with the Toolcard Pro. It’s the same size as most of the other tools on our list but comes with 40, you read that right, 40 different tools. Most of these are wrenches but that still blows its closest competitors out of the water. The tools on the Toolcard Pro include:

  • Seven Closed Inch Hex Wrenches
  • Eight Open Ended Inch/Metric Wrenches
  • Eight Closed Metric Wrenches
  • ¼ Inch Hex Bit Holder
  • Can Opener
  • Cord Cutter
  • Box Cutter
  • Large Flathead Screwdriver
  • Small Flathead Screwdriver
  • Phillips Head Screwdriver
  • Bottle Opener
  • Protractor
  • Straight Edge
  • Metric Ruler
  • Inches Ruler
  • CM Circle Templates
  • Money Clip
  • Pry Bar
  • Nail Puller
  • Speed Square

That’s a long list and believe it or not the Toolcard Pro actually can do all those things. It’s made from heat treated stainless steel and laser etched with tool indicators. The wrenches are positioned throughout the body to make it easy to apply sufficient torque. We really liked the included money clip. It doubles as a removable pocket clip you can use to attach the Toolcard to your shirt pocket, pants pocket, or inside folder. It was more than adequate to hold several cards and cash while still being able to pop a top in the bottle opener.

Not only does the Toolcard Pro give you seriously outsized value, it’s also fully TSA compliant. You can bring this with you wherever you go in the world without any fear of it being confiscated. We really liked the Toolcard Pro, it uses quality materials, is precision machined, and includes a lot of really useful tools.

Survco Survival Credit Card

Survival Credit Card Multi Tool

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The Survival Credit Card from Survco is built to be the ultimate wilderness survival credit card tool. It’s made from 12 gauge stainless steel and feels much more robust than other credit card multi tools. The main body of the tool is actually an emergency axe head built to be attached to a wooden handle. It offers more than 20 different functions, including:

  • Tomahawk
  • Axe
  • Skinner
  • Scraper
  • Shovel
  • Seatbelt Cutter
  • Bottle Opener
  • Water Valve Wrench
  • Gas Valve Wrench
  • Three Hex Wrenches
  • ¼ Inch Bit Driver
  • Flat Head Screwdriver
  • Nail Puller
  • Saw
  • Arrow Head
  • Spear Point
  • Atlatl

Given the survival focus of this tool it’s unlikely you’ll get much everyday use out of it. That being said, the emergency tools it includes are actually well made for something the size of a credit card. Once you remove the arrow head you can attach the axe head to a sturdy stick with cordage or zip ties. You won’t be splitting logs with it but it’s good enough to separate smaller branches.

The axe head itself isn’t super sharp so you don’t need to worry about cutting through your wallet. The other tools on the Survival Credit Card fulfill their functions well and feel more substantial than those on lighter tools. If you have a survival mindset we recommend you check out this neat little tool. It’s not the only thing you’ll need to survive but it’s definitely nice to have.


Picking out the best multi tool credit card is very difficult. The category isn’t standardized and different manufacturers focus on different priorities when designing their tools. The best thing you can do is think about what your average day is like and figure out what kind of tools you need. The Swisscard Lite is an excellent wallet tool that provides all the value of a swiss army knife in a credit card sized pack.

If you work with your hands we recommend you check out the Lever Gear Toolcard Pro or Tuls Roul Titanium. Both of them provide an excellent assortment of measuring tools for quickly marking wood to cut or measuring out a job plan. The Toolcard Pro also includes a lot of high quality wrenches and a screwdriver bit holder.

For basic EDC the Zootility Headgehog or Wallet Ninja 2.0 both give you a lot of value. They have tools you’ll probably find useful just about everyday, especially if you already carry a comb around with you.

If you’re a rugged outdoorsman or just like to be prepared you should check out the survival oriented Readyman Wilderness Survival Card or Survco Survival Credit Card. They each break down to provide you with useful tools for hunting, fishing, and finding shelter.