I have one of those waterproof pouches, I always take it with me but have rarely used it except in long downpours. My new pouch can also take my passport as well. I like to use a neck pouch because I then know where all of my important stuff is, passport, phone, cards and cash. I also, as a personal security measure, ensure that it never leaves my body by wearing it 24 hrs a day which is why I need a comfortable neckband.
My other option is that I have a base layer with two pockets sewn onto the chest to hold my cards and money, again these important items are always with me, 'close to my chest.'