Wells Fargo Attune Card overview
The Wells Fargo Attune® Card is a money rewards card that stands out because of its unconventional bonus classes. 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 efficient option to earn rewards on self-care, leisure and sure life-style purchases. Card ranking*: ⭐⭐⭐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 ranking relies 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 may very well be an excellent choice for health fans, pet house owners 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 provide your self a great likelihood at being authorised.
Now, let’s dig into the small print and see in case you’re a great candidate for the Wells Fargo Attune.
Wells Fargo Attune execs and cons
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Wells Fargo Attune welcome provide
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 Hyperlink, a nonprofit that gives backup photo voltaic and battery-powered power to medical amenities affected by energy outages.
This is not a very aggressive welcome provide since different no-annual-fee money rewards playing cards provide a $200 bonus after assembly the identical spending threshold.
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These embrace one other Wells Fargo card, the Wells Fargo Energetic Money® Card (see charges and costs), in addition to opponents, such because the Chase Freedom Limitless® (see charges and costs).
Make sure you think about Wells Fargo’s software guidelines and restrictions when making use of. For instance, Wells Fargo could not approve your software in case you’ve opened a number of bank card accounts within the final 24 months or in case you’ve opened one other Wells Fargo card within the final six months.
Associated: The professionals and cons of cash-back bank 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.
Nevertheless, the Attune does function as much as $600 in mobile phone safety towards harm and theft if you pay your month-to-month invoice with the cardboard (topic to a $25 deductible).
You may additionally obtain an auto rental collision harm 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 interval 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 fees a 3% payment on all overseas 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 it’s your decision a cash-back card
Incomes money rewards on the Wells Fargo Attune
The Wells Fargo Attune earns 4% money rewards throughout three forms of purchases:
- Planet-friendly, impactful purchases
- Choose sports activities, recreation and leisure
- Self-care
These classes are broadly outlined and earn elevated rewards on a protracted record of bills. Many of those aren’t usually included in bonus classes on different playing cards.
Listed below 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 may very well be game-changing for some.
Bonus class highlights embrace pet-related purchases, corresponding to pet retailers, provides, boarding and grooming; vacationer points of interest; amusement parks; and sweetness and barber retailers. These purchases aren’t usually coated 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 a substitute of the 4% bonus. It is price conserving monitor of your statements to make sure you’re getting the return you count on.
Associated: Distinctive bank card advantages you will not discover elsewhere
Redeeming money rewards on the Wells Fargo Attune
Rewards earned with the Wells Fargo Attune could 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 manner)
- 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 may discover with a few of our favourite journey rewards playing cards, the Attune remains to be a great card for simplicity.
And, if in case you have a card that earns transferable Wells Fargo Rewards factors, such because the Wells Fargo Autograph® Card (see charges and costs) or Wells Fargo Autograph Journey℠ Card (see charges and costs), you’ll be able to convert your money rewards earned on the Attune into journey rewards that may be moved to one in all Wells Fargo’s switch companions.
Associated: Methods to redeem cash-back rewards out of your bank 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 a couple of playing cards that compete with it:
See our full record of the most effective cash-back bank cards for extra choices.
Associated: The most effective bank cards to maximise your leisure spending
Is the Wells Fargo Attune price it?
I view the Wells Fargo Attune as a strong 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 most typical spending, incomes 4% money rewards on purchases corresponding to gymnasium memberships, hair appointments, motion pictures and live performance tickets makes it a great complement to a cash-back fanatic’s pockets — or somebody with a points-earning Wells Fargo card.
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