Moje maminka nosí s sebou peněženku i kartu.

Here nosí means carries.

The verb nosit can mean both:

• to wear clothes, glasses, etc.
• to carry something around regularly or habitually

Because the objects are peněženku (wallet) and kartu (card), the natural meaning is carries.

So this sentence is understood as something like:

• My mom carries a wallet and a card with her.

This is a very common Czech verb pair:

• nést = to carry once, right now, in a specific instance
• nosit = to carry habitually / repeatedly / in general

So:

• Moje maminka nese peněženku. = My mom is carrying a wallet (right now, at this moment)
• Moje maminka nosí peněženku. = My mom carries a wallet / usually has a wallet with her

In your sentence, nosí shows a general habit, not one specific action.

S sebou means with oneself / along with oneself.

In this sentence, it means that your mother has these things on her, with her, when she goes somewhere.

So:

• nosí s sebou peněženku = she carries a wallet with her

This phrase is extremely common in Czech with verbs of carrying, taking, bringing, etc.

Examples:

• Mám s sebou pas. = I have my passport with me.
• Vezmi si s sebou deštník. = Take an umbrella with you.

Because the preposition s here requires the instrumental case, and the instrumental form of sebe is sebou.

So:

• sebe = basic form after some prepositions / in some structures
• sebou = instrumental form, used after s

That is why Czech says:

• s sebou = with oneself

not s sebe.

Because s sebou is the normal reflexive expression when the subject and the person referred to are the same.

Here, the subject is moje maminka, and the things are carried with her own self, so Czech uses the reflexive form:

• Moje maminka nosí s sebou...

If you used s ní, that would usually suggest with her meaning with another woman, not reflexively tied to the subject in the same natural way.

So in this sentence, s sebou is the idiomatic and expected choice.

Because they are direct objects, so they are in the accusative case.

Base forms:

• peněženka = wallet
• karta = card

Accusative singular:

• peněženku
• kartu

This is a regular pattern for many feminine nouns ending in -a:

• nominative: žena
• accusative: ženu

Likewise:

• peněženka → peněženku
• karta → kartu

Both are possible.

• moje maminka = my mom
• má maminka = also my mom

The difference is mainly style and emphasis:

• moje is the fuller, more neutral form
• má is the short possessive form, often a bit more literary, emphatic, or stylistically different depending on context

In everyday speech, many speakers would naturally say moje maminka.

They all relate to mother, but the tone is different:

• maminka = mom / mommy, warm and affectionate
• máma = mom, very common and neutral in conversation
• matka = mother, more formal or official

So moje maminka sounds affectionate and personal.

Not exactly.

• a = and
• i = also / too / even

In this sentence, i connects the second object and adds the idea of also:

• peněženku i kartu = a wallet and also a card

So the nuance is slightly stronger than just a plain list. It suggests that besides the wallet, she carries a card too.

Compare:

• peněženku a kartu = a wallet and a card
• peněženku i kartu = a wallet and also a card

Yes. Czech word order is flexible, but different orders change emphasis and naturalness.

Your sentence:

• Moje maminka nosí s sebou peněženku i kartu.

This is natural and clear.

You might also hear:

• Moje maminka nosí peněženku i kartu s sebou.

That is possible, but s sebou often sounds most natural near the verb.

Czech word order is often guided by what is already known and what is being emphasized, not by a fixed rule like in English.

Because Czech has no articles.

English requires:

• a wallet
• the wallet

Czech simply says:

• peněženka / peněženku

Whether it means a or the depends on context.

So peněženku i kartu can be understood naturally without any article words.

Then Czech would normally use nést instead of nosit.

For example:

• Moje maminka nese s sebou peněženku i kartu.

That would suggest a more immediate, specific situation, something like:

• My mom is carrying a wallet and a card with her.

But for a general habit or usual fact, nosí is the better choice.

A good way to learn it is as a common pattern:

• nosit s sebou + object = to carry / keep something with oneself

So instead of translating word by word every time, you can remember the chunk:

• nosit s sebou = carry with you

Examples:

• Nosím s sebou telefon. = I carry a phone with me.
• Nosí s sebou léky. = She carries medicine with her.

That makes the structure much easier to use naturally.