I have a small, thin coin pouch in which I carry my license, bank card, health insurance card, triple a card, and a little cash. Since I sometimes drive to the trails, or to the place I will ride on the road, I figure I have pretty much all I'll need. I just move the pouch back and forth between Camelbak and purse, so I don't have to keep pulling the cards. Fortunately, I've never had to use the emergency cards, but the bank card and cash have come in handy for quick stops at the convenience store. One time when I had a flat, my spare was defective and my patch kit glue had dried out. A fellow biker stopped and offered his spare, and I was glad to be able to give him a few bucks to thank him/pay him back.