Wells Fargo Attune Card overview
The Wells Fargo Attune® Card is a cash rewards card that stands out due to its unconventional bonus categories. Whereas different playing cards earn bonus rewards on widespread bills corresponding to eating, journey and groceries, the no-annual-fee Wells Fargo Attune is an effective option to earn rewards on self-care, leisure and sure life-style purchases. Card score*: ⭐⭐⭐½
The knowledge for the Wells Fargo Attune has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
*Card rating is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The Wells Fargo Attune earns limitless 4% money rewards in a number of unusual classes. The cardboard could possibly be an ideal choice for health fanatics, pet homeowners and avid concertgoers — however these aren’t the one spenders who may gain advantage from having it.
We advocate a credit score rating of 670 to present your self probability at being authorized.
Now, let’s dig into the main points and see should you’re candidate for the Wells Fargo Attune.
Wells Fargo Attune professionals and cons
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Wells Fargo Attune welcome supply
New Wells Fargo Attune candidates earn a $100 money rewards bonus after spending $500 within the first three months from account opening.
After you meet the spending requirement for this bonus, Wells Fargo donates $50 to Capital Link, a nonprofit that gives backup photo voltaic and battery-powered vitality to medical amenities affected by energy outages.
This is not a very aggressive welcome supply since different no-annual-fee cash rewards cards supply a $200 bonus after assembly the identical spending threshold.
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These embrace one other Wells Fargo card, the Wells Fargo Active Cash® Card (see rates and fees), in addition to opponents, such because the Chase Freedom Unlimited® (see rates and fees).
Be sure you take into account Wells Fargo’s application rules and restrictions when making use of. For instance, Wells Fargo could not approve your utility should you’ve opened a number of bank card accounts within the final 24 months or should you’ve opened one other Wells Fargo card within the final six months.
Associated: The pros and cons of cash-back credit cards
Wells Fargo Attune advantages
The Wells Fargo Attune is a no-annual-fee card, so do not count on high-level buy protections, assertion credit or lounge entry.
Nonetheless, the Attune does characteristic as much as $600 in cellular telephone protection towards injury and theft while you pay your month-to-month invoice with the cardboard (topic to a $25 deductible).
You will additionally obtain an auto rental collision injury waiver (protection is secondary), entry to Mastercard’s World Elite concierge service, Mastercard ID Theft Safety and 0 legal responsibility safety.
New cardholders are additionally eligible for a 0% introductory APR period on purchases for the primary 12 months from account opening, then a 19.24%, 24.24% or 29.24% variable APR thereafter.
The Attune is not the cardboard to convey overseas, although, because it expenses a 3% price on all foreign transactions.
Maybe most significantly, the Attune’s broad and distinctive bonus-earning classes set it other than different no-annual-fee playing cards and are the highest advantages.
Associated: Why you may want a cash-back card
Incomes money rewards on the Wells Fargo Attune
The Wells Fargo Attune earns 4% cash rewards throughout three sorts of purchases:
- Planet-friendly, impactful purchases
- Choose sports activities, recreation and leisure
- Self-care
These classes are broadly outlined and earn elevated rewards on an extended checklist of bills. Many of those aren’t usually included in bonus classes on different playing cards.
Listed here are particular examples of purchases that earn 4% money rewards on the Attune:
| Planet-friendly purchases, together with: | Choose sports activities, recreation and leisure, together with: | Self-care, together with: |
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The Attune earns 1% money rewards on different purchases.
This card’s bonus classes are wide-ranging and distinctive. These might not be for everybody since they do not embrace widespread purchases like journey and groceries, however they could possibly be game-changing for some.
Bonus class highlights embrace pet-related purchases, corresponding to pet outlets, provides, boarding and grooming; vacationer sights; amusement parks; and sweetness and barber outlets. These purchases aren’t usually lined by bonus classes on different playing cards, making the Attune stand out.
It is price noting that some cardholders have seen sure purchases code incorrectly, incomes 1% money rewards as an alternative of the 4% bonus. It is price holding observe of your statements to make sure you’re getting the return you count on.
Associated: Unique credit card benefits you won’t find elsewhere
Redeeming money rewards on the Wells Fargo Attune
Rewards earned with the Wells Fargo Attune will be redeemed in a number of methods:
- Present playing cards in increments of $10
- Previous purchases you’ve got already made (beginning at $1; you could have sufficient rewards in your account to cowl the complete buy to redeem this fashion)
- PayPal checkout
- Assertion credit towards your card’s stability or eligible Wells Fargo checking accounts or mortgages
Whereas these choices aren’t as versatile as what you will discover with a few of our favourite travel rewards cards, the Attune remains to be card for simplicity.
And, when you’ve got a card that earns transferable Wells Fargo Rewards factors, such because the Wells Fargo Autograph® Card (see rates and fees) or Wells Fargo Autograph Journey℠ Card (see rates and fees), you possibly can convert your money rewards earned on the Attune into journey rewards that may be moved to considered one of Wells Fargo’s transfer partners.
Associated: How to redeem cash-back rewards from your credit card
Which playing cards compete with the Wells Fargo Attune?
Whereas there is not one other card precisely just like the Wells Fargo Attune, there are just a few playing cards that compete with it:
See our full checklist of the best cash-back credit cards for extra choices.
Associated: The best credit cards to maximize your entertainment spending
Is the Wells Fargo Attune price it?
I view the Wells Fargo Attune as a stable choice for incomes money rewards on purchases that are not included in widespread bonus classes on different playing cards. Whereas the Attune’s bonus classes do not cowl your commonest spending, incomes 4% money rewards on purchases corresponding to fitness center memberships, hair appointments, films and live performance tickets makes it complement to a cash-back fanatic’s pockets — or somebody with a points-earning Wells Fargo card.
Associated: The best credit cards to maximize fitness spending
Backside line
The Wells Fargo Attune is framed as a card centered on common well-being because it rewards planet-friendly spending, leisure purchases and self-care bills.
It is not the perfect card for everyday purchases, however for no annual price, the Attune could possibly be a stable addition for a broad hobbyist seeking to earn bonus money rewards in distinctive classes or to pair with one other Wells Fargo card for extra transferable factors.
Associated: Common mistakes to avoid when using a cash-back credit card
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