Wells Fargo Attune Card Overview
The WellsFargoAttune® card is a cash bonus card that is eye-catching due to its unconventional bonus category. While other cards get rewards on average fees like dining, travel and groceries, the not-small Wells Fargo Attune is a great choice for getting rewards for self-care, entertainment and certain lifestyle purchases. Card rating*: ⭐⭐½
Wells Fargo Attune information has been collected independently by Goint Guy. The card details on this page have not been reviewed or provided by the card issuer.
*Card rating It is based on the opinions of TPG editors and is not affected by the issuer.
Wells Fargo Attune has unlimited 4% cash rewards in several uncommon categories. This card may be a good choice for fitness enthusiasts, pet owners and avid singers – but these aren’t the only consumers who can benefit from owning it.
We recommend a credit score of 670 to give yourself a chance to approve.
Now, let’s look into the details and see if you’re a good candidate for Wells Fargo Attune.
Wells Fargo Attune Pros and Cons
| advantage | shortcoming |
|---|---|
|
|
Wells Fargo welcomes the offer
The new Wells Fargo Attune applicant received a $100 cash bonus after spending $500 in the first three months of opening an account.
After meeting the spending requirements for this bonus, Wells Fargo donated $50 to Capital Link, a nonprofit that provides backup solar and battery-powered energy to medical facilities affected by the electric blackout.
This is not a particularly competitive welcome offer, as other unhappy cash reward cards offer a $200 bonus after reaching the same spending threshold.
Reward your inbox with TPG Daily Newsletter
Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG experts
These include another Wells Fargo card, Wells Fargo Active® Card (See rates and fees) and competitors, e.g. Chase for Freedom® (See rates and fees).
Make sure to consider Wells Fargo’s application rules and restrictions when applying. For example, if you have opened multiple credit card accounts in the past 24 months, or if you have opened another Wells Fargo card in the past six months, Wells Fargo may not approve your application.
Related: Pros and cons of cash backing credit cards
Wells Fargo benefits
Wells Fargo Attune is an unfamiliar card, so don’t expect advanced purchase protections, declare credit or lounge access.
But when you pay your monthly bill with a card, Attune does offer up to $600 in cellular phone protection for damage and theft (you can pay $25 in deduction tax).
You will also receive waivers for automatic rental collision losses (coverage is secondary), access to Mastercard’s World Elite Concierge Service, Mastercard ID Theft Protection and Zero Liability Protection.
New cardholders are also eligible to purchase a 0% APR introduction period within the first 12 months of opening, and then receive 19.24%, 24.24% or 29.24% APR in subsequent APR.
Attune is not a card with foreign countries, though, as it charges a 3% fee for all foreign transactions.
Perhaps most importantly, Attune’s extensive and unique bonus category distinguishes it from other unfamiliar cards, which is the biggest benefit.
Related: Why You May Want a Cash Card
Make money at Wells Fargo
Wells Fargo Attune receives a 4% cash reward on three types of purchases:
- Planet-friendly, influential purchases
- Choose sports, entertainment and entertainment
- Self-care
These categories are broadly defined and earn rewards on a long list of fees. Many of these are not usually included in the reward categories on other cards.
Here are specific examples of purchases that earn a 4% cash reward on Attune:
| Planet-friendly purchases, including: | Choose sports, entertainment and entertainment activities, including: | Self-care, including: |
|---|---|---|
|
|
|
Attune receives a 1% cash reward on other purchases.
The card’s bonus categories are broad and unique. These may not be suitable for everyone, as they do not include common purchases like travel and groceries, but they may change the game for some.
Highlights of the reward category include pet-related purchases such as pet stores, supplies, boarding and retouching; tourist attractions; amusement parks; and beauty and barber shops. These purchases are not often covered by bonus categories on other cards, making Attune stand out.
It is worth noting that some cardholders found some purchase codes wrong and received a 1% cash reward instead of a 4% bonus. It is worth tracking your statements to ensure you get the reward you expect.
Related: Unique Credit Card Benefits You Can’t Find Other Places
Redeem cash rewards on Wells Fargo
Wells Fargo Attune receives a number of rewards that can be redeemed in a number of ways:
- Gift cards increment in $10 increments
- Past purchases you’ve made (starting at $1; there must be enough rewards in your account to cover full purchases that are redeemed in this way)
- PayPal Checkout
- Declaration points for your card balance or a qualified Wells Fargo checking account or mortgage
While these options aren’t as flexible as our favorite travel rewards card, Attune is still a good card for simplicity.
And if you have a card that can earn transferable Wells Fargo reward points, e.g. Wells Fargo Aproumph® Card (See rates and fees) or Wells Fargo Signature Journey ℠ Card (See Interest Rates and Fees) You can convert cash rewards you receive on Attune into travel rewards that can be transferred to one of Wells Fargo’s transfer partners.
Related: How to Redeem Cash Rewards from Credit Cards
Which cards compete with Wells Fargo Attune?
While there are no other cards like Wells Fargo Attune, there are several cards that compete with it:
For more options, see our full list of the best cashback credit cards.
Related: The Best Credit Cards to Maximize Entertainment Expenditures
Is Wells Fargo Attune worth it?
I see Wells Fargo’s Attune as a reliable option to earn cash rewards on purchases not included on other cards. While Attune’s bonus category doesn’t cover your most common expenses, it’s earned a 4% cash prize in terms of purchases such as gym membership, appointments, movies and concert tickets, making it a good addition to cash discount enthusiast wallets, or someone with a point to earn Wells Fargo card.
Related: The best credit cards to maximize fitness spending
Bottom line
Wells Fargo Attune is framed as a card focused on general well-being, as it rewards planet-friendly spending, recreational purchases, and self-care expenses.
This is not the best card for daily purchases, but since there is no annual fee, it may be a reliable addition to a wide range of hobbyists looking to receive a unique category of bonus cash rewards or a bonus reward with another Wells Fargo.
Related: Common Errors to Avoid when Using Credit Cards After Cash
