The Wells Fargo Attune Card offers an impressive 4% back on wellness, entertainment, and eco-friendly purchases, but falls short with just 1% on everyday essentials like groceries and dining. This specialized rewards structure makes it ideal as a companion card rather than your primary spending card.
This credit card review will cover everything you need to know about this card to determine if you should add this card or a different card to your wallet. Let’s dive right in.
Welcome Bonus of Wells Fargo Attune
The Wells Fargo Attune currently offers the following welcome bonus: Earn a $100 cash rewards bonus when you spend $500 in purchases in the first 3 months. Plus, unlock a nonprofit donation when you qualify for the bonus
The main requirement to keep in mind is Wells Fargo’s six-month rule – you may not qualify if you’ve opened another Wells Fargo card in the past six months. While straightforward to earn, the bonus amount is modest compared to similar no-annual-fee cards.
Earning Rewards of Wells Fargo Attune
The Wells Fargo Attune stands out with its high earning rates across a range of bonus categories:
The 4% earning rate in niche categories is excellent for a no-annual-fee card, but the 1% base earning rate falls short of cards offering 1.5% or 2% on everyday purchases.
This card works best when paired with a strong everyday spending card that earns well on necessities. The uncapped nature of the rewards is appealing for those who spend heavily in the bonus categories.
While you can get similar or better returns with some transferable points cards, the straightforward cash back structure makes this worthwhile for the right spending pattern.
Annual Fee of Wells Fargo Attune
The Wells Fargo Attune card has a $0 annual fee. Despite having no annual fee, you’ll receive significant value through the 4% cash back on wellness categories like gym memberships, self-care purchases, and planet-friendly transportation options, along with benefits like cell phone protection and auto rental coverage.
Card Benefits and Perks
The Wells Fargo Attune offers the following benefits and perks: Cell Phone Protection: When you use your card to pay your monthly phone bill, you’ll receive valuable coverage against damage or theft of your device. Intro 0% APR: Enjoy 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter. No Late Fees: The Wells Fargo Attune does not charge a late fee, unlike almost every other credit card. However, you will be responsible for any interest due to late payments. Secondary Rental Car Insurance: This card provides backup protection for rental car damage or theft when you charge the full rental to your card. World Elite Benefits: This card is a World Elite Mastercard, which gets you access to these special benefits and discounts: DoorDash ($5 off your first DoorDash order each month), Lyft (Take 3 rides in one month and earn a $5 Lyft credit), Shoprunner (free two-day shipping), and Fandango (spend $20 and get $5 back).
Redeeming Rewards
Wells Fargo Attune cash rewards can be redeemed at a 1 cent per point value for practical options like statement credits, gift cards, offset purchases, pay with rewards at select merchants, merchandise, or gifts to others.
Pros and Cons of Wells Fargo Attune
Here’s a quick overview of this card’s advantages and disadvantages:
Pros:
Unique Bonus Categories: The card offers an impressive 4% back on unconventional categories like gym memberships, pet supplies, and entertainment that aren’t typically bonus categories on other cards.
No Annual Fee: You’ll get access to strong earning rates and benefits without paying an annual fee, making it easier to get positive value from the card.
Cell Phone Protection: Valuable cell phone protection benefit when you pay your monthly phone bill with the card.
Cons:
Limited Everyday Categories: The card doesn’t earn bonus rewards on common spending categories like groceries, gas, or dining, limiting its usefulness as a primary card.
Foreign Transaction Fees: The 3% foreign transaction fee makes this a poor choice for international purchases.
Low Base Earning Rate: Only 1% cash back on purchases outside the bonus categories, which is below average compared to other no-annual-fee cards.
Alternatives to Attune Card
Now that you know about this credit card’s various benefits and pros and cons, it’s time to see its alternatives.
Chase Freedom Unlimited®
The Chase Freedom Unlimited® (review) sets itself apart with 1.5% back on non-bonus purchases, plus higher rewards in select categories including dining and travel. This flexible rewards card becomes even more valuable when paired with a premium Chase card, allowing you to transfer your rewards to travel partners. Welcome Bonus: bonus_miles_full Earning Cash Back: 5% back on travel purchased through Chase Travel℠; 3% back on dining at restaurants, including takeout and eligible delivery services; 3% back on drugstore purchases; 1.5% back on all other purchases CaBenefits: Purchase protection, extended warranty, trip cancellation and interruption insurance, secondary rental car insurance, and 0% intro APR for 15 months from account opening on purchases and balance transfers, after that reg_apr,reg_apr_type APR applies; 
Bilt Mastercard®
The Bilt Mastercard® (review) lets you earn valuable travel rewards on rent payments without fees while offering bonus points on dining and travel purchases. This no-annual-fee card stands out for its unique rent payment feature and strong travel benefits like rental car coverage and trip protection. Earning Rewards: 5x points on Lyft; 3x points on dining; 2x points on travel purchases; 1x points on rent payments without any transaction fees up to 100,000 points per year, and 1x points on everything else. (Five transactions are required per billing cycle to earn points.) Card Benefits: No transaction fees to pay rent and earn 1x points, primary rental car insurance, cell phone protection, trip delay and trip cancellation insurance, purchase protection, and no foreign transaction fees.
Is the Wells Fargo Attune Worth It?
The Wells Fargo Attune card offers 4% back on specific wellness categories like gym memberships, pet supplies, and eco-friendly transportation, but requires careful tracking to maximize rewards. While the specialized bonus categories like entertainment and streaming services make it stand out, the card’s limited everyday earning potential on groceries and dining means it works better as a supplementary card rather than your primary spender. The cell phone protection adds some value for a no-annual-fee card, but the modest welcome bonus and foreign transaction fees are notable drawbacks. For most people, this card only makes sense if you frequently spend in its niche bonus categories and are willing to pair it with a stronger card for everyday purchases.
