Wells Fargo Attune Card overview
The data 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 score 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 could possibly be an excellent possibility for health fans, pet house owners and avid concertgoers — however these aren’t the one spenders who may benefit from having it.
We advocate a credit score rating of 670 to provide your self a great probability at being permitted.
Now, let’s dig into the main points and see if you happen to’re a great candidate for the Wells Fargo Attune.
Wells Fargo Attune execs 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 Hyperlink, a nonprofit that gives backup photo voltaic and battery-powered power to medical services affected by energy outages.
This is not a very aggressive welcome supply since different no-annual-fee money rewards playing 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 Energetic Money® Card (see charges and charges), in addition to rivals, such because the Chase Freedom Limitless® (see charges and charges).
Make sure to think about Wells Fargo’s software guidelines and restrictions when making use of. For instance, Wells Fargo might not approve your software if you happen to’ve opened a number of bank card accounts within the final 24 months or if you happen to’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 anticipate high-level buy protections, assertion credit or lounge entry.
Nonetheless, the Attune does function as much as $600 in mobile phone safety in opposition to 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 nil 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 carry 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 an extended listing 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 is probably not for everybody since they do not embrace frequent purchases like journey and groceries, however they could possibly be game-changing for some.
Bonus class highlights embrace pet-related purchases, comparable to pet retailers, provides, boarding and grooming; vacationer points of interest; amusement parks; and wonder and barber retailers. These purchases aren’t usually coated by bonus classes on different playing cards, making the Attune stand out.
It is value noting that some cardholders have seen sure purchases code incorrectly, incomes 1% money rewards as an alternative of the 4% bonus. It is value protecting monitor of your statements to make sure you’re getting the return you anticipate.
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:
- Reward playing cards in increments of $10
- Previous purchases you have already made (beginning at $1; it’s essential to 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 journey rewards playing cards, the Attune continues 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 charges) or Wells Fargo Autograph Journey℠ Card (see charges and charges), you may convert your money rewards earned on the Attune into journey rewards that may be moved to one in every of 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 listing of one of the best cash-back bank cards for extra choices.
Associated: The most effective bank cards to maximise your leisure spending
Is the Wells Fargo Attune value it?
I view the Wells Fargo Attune as a strong possibility for incomes money rewards on purchases that are not included in frequent bonus classes on different playing cards. Whereas the Attune’s bonus classes do not cowl your commonest spending, incomes 4% money rewards on purchases comparable to fitness center 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.
Associated: The most effective bank cards to maximise health spending
Backside line
The Wells Fargo Attune is framed as a card centered on normal well-being because it rewards planet-friendly spending, leisure purchases and self-care bills.
It is not one of the best card for on a regular basis purchases, however for no annual payment, the Attune could possibly be a strong addition for a broad hobbyist trying to earn bonus money rewards in distinctive classes or to pair with one other Wells Fargo card for extra transferable factors.
Associated: Frequent errors to keep away from when utilizing a cash-back bank card
