A couple of years ago, I bought a bottle of Johnnie Walker and it came with a leather card holder. That became my wallet. One side has my bank cards and DL, the other side has business cards.
Your issue of the cards getting dirty is probably related to each card having it's own slot in your wallet. All my cards ride in the same slot, all of them facing forward. I forgot about dirty cards because it never happens anymore with this system.
edit* and the wallet goes in the front pocket. I actually noticed minor back problems developing from having my wallet in the back and switched years ago. Plus, the back pocket wallet system is what is causing your cards to crack.
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