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Wells Fargo Attune Review: A Powerhouse Rewards Card for Maximizing (Almost) Everything

Review Updated
Brittney Myers
Author: Brittney Myers
Brittney Myers
Brittney Myers
Writer

Brittney started her writing career in the world of science, putting her physics degree to good use. Her journey into finance started with building her personal credit, but soon grew into a borderline obsession with credit cards and travel rewards. For the last 7 years, she has enjoyed the ability to share her expertise with readers, as well as the opportunity to interview companies and individuals making an impact on our financial lives. She wholly believe most problems can be solved with the right research -- and a good spreadsheet -- and she specializes in translating complex financial topics into actionable advice to help educate and empower readers.

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Nathan Alderman
Fact Checked: Nathan Alderman
Nathan Alderman
Nathan Alderman
Fact checker

Nathan Alderman has been a full-time Motley Fool employee since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As Motley Fool Money's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.

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The Wells Fargo Attune℠ Card is good for anyone who wants to earn 4% cash rewards in a huge array of categories. Rewards span literally dozens of bonus categories, covering everything from gym memberships to pet supplies to thrift and antique stores. Add on the modest welcome bonus and no annual fee, and this card is mind-bogglingly good.

Get a look at all it has to offer in our detailed Wells Fargo Attune℠ Card review.

Ratings Methodology

Wells Fargo Attune℠ Card

Wells Fargo Attune℠ Card
Rating image, 3.50 out of 5 stars.
3.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 3.50 out of 5 stars.
3.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good (670-850)

Intro APR Circle with letter I in it. 0% intro APR for 12 months from account opening on purchases.

Purchases: 0% intro APR for 12 months from account opening

Balance Transfers: N/A

Regular APR

20.24%, 25.24%, or 29.99% (Variable)

Rewards Circle with letter I in it. Earn unlimited 4% cash rewards on self-care; select sports, recreation, and entertainment; and impactful purchases including public transportation and EV charging. Earn 1% cash rewards on other purchases.

1% - 4% cash rewards

Annual Fee

$0

Welcome Offer Circle with letter I in it. Earn a $100 cash rewards bonus when you spend $500 in purchases in the first 3 months. Plus, Wells Fargo will donate $50 to Capital Link (a national, nonprofit organization) when you qualify for the $100 cash rewards bonus.

$100 cash rewards

  • This is an impressive cash rewards card with the largest array of bonus categories we've ever seen. Most people can probably fill multiple gaps in their rewards strategy with this no annual fee card. It's a no-brainer.

    • Dozens of bonus cash rewards categories
    • Cash rewards are unlimited
    • No annual card fee
    • Cellphone protection
    • Welcome bonus is a bit quirky
    • Foreign transaction fee
    • No purchase or return protection
    • Earn a $100 cash rewards bonus when you spend $500 in purchases in the first 3 months.
    • Plus, Wells Fargo will donate $50 to Capital Link (a national, nonprofit organization) when you qualify for the $100 cash rewards bonus.
    • Earn unlimited 4% cash rewards on self-care; select sports, recreation, and entertainment; and impactful purchases including public transportation and EV charging.
    • Earn 1% cash rewards on other purchases
    • 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
    • $0 annual fee and no late fees
Wells Fargo Attune is unavailable on Motley Fool Money. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.

Credit card comparison

We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.

Offer Our Rating Welcome Offer Rewards Program APR Learn More
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for cash back on rotating categories 		Discover will match all the cash back you’ve earned at the end of your first year. 1% - 5% Cashback Circle with letter I in it. Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.

Intro:

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular: 18.49% - 27.49% Variable APR *Rates as of December 12, 2024.

Apply Now for Discover it® Cash Back

On Discover's Secure Website.

Rates & Fees External Link Icon

Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for cash rewards on everyday spending 		$200 cash rewards Circle with letter I in it. Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. 2% cash rewards Circle with letter I in it. Earn unlimited 2% cash rewards on purchases.

Intro: Circle with letter I in it. 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR, 12 months from account opening

Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers

Regular: 19.24%, 24.24%, or 29.24% Variable APR

Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for unlimited rewards on purchases 		25,000 points Circle with letter I in it. 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases 1.5 points per dollar Circle with letter I in it. Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open.

Intro: Circle with letter I in it. 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.49% - 28.49% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers.

Purchases: 0% Intro APR for 15 billing cycles for purchases

Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days

Regular: 18.49% - 28.49% (Variable)

Apply Now for Bank of America® Travel Rewards credit card

On Bank of America's Secure Website.

Wells Fargo Attune review

Is the Wells Fargo Attune worth it?

This card has so many cash rewards bonus rewards categories that I can imagine nearly anyone getting value from it. There isn't an annual fee, so you don't have to make up any value there. The welcome bonus isn't super competitive, but the spending requirement is low. Even without the bonus, having dozens of 4% cash rewards bonus categories with no spending cap is valuable enough that I'd say this card is a good choice for the majority of people.

Author's note

I don't have this card -- yet. The only thing stopping me is that I recently got the Wells Fargo Autograph℠ Card, and I can't get another Wells Fargo card for a few more months.

I absolutely love the diverse bonus categories of the Wells Fargo Attune℠ Card, especially since there are so many niche options to cover all those hobbies and activities that make life worth living. It's going to fill a few holes in my current strategy.

Then there's the fact that cash rewards are unlimited, and there's no annual fee?! This card is an easy yes for me, and unless we learn something surprising in the future, I'll be happy to recommend it to pretty much everyone.

We all see things differently, so a variety of views can be helpful. See what others are saying about the Wells Fargo Attune℠ Card.

What our competitors think

Average competitor rating: 3.8 / 5.0 stars

This card is actually so new that many of our competitors haven't rated it yet. We only found two scores, so we also read up on a few first impression posts to get a better idea of what our competitors think of the card.

While we all like the easy-to-earn welcome bonus, lack of annual fee, and cellphone protection, that's where the consensus ended. There were a few folks who seemed to recognize how broad and diverse the bonus categories really are, sharing my appreciation for the innovative approach to rewards.

However, some reviewers may have been a bit hasty in their appraisals of the new card -- or, perhaps, they just weren't as impressed as the rest of us. For example, one reviewer complained that the card lacked common categories like gas and groceries. Another competitor called the card "boring." (Huh!?!)

Social media consensus

Just like our competitors, social media seems pretty split about this card, though the most recent posts are a lot more favorable than those from just after launch. After really looking into the broad bonus categories, folks seem to come around to the card. And users who have taken a deep dive have found a lot of potential.

A lot of folks online share my enthusiasm for the pet possibilities, with several dubbing this as the new best card for pets. And many, many people were excited about the prospect of pairing this card with the Wells Fargo Autograph℠ Card and Wells Fargo Active Cash® Card for an amazing no annual fee trifecta.

Wells Fargo Attune features and benefits

Earn 4% cash rewards on all of your hobbies and activities (and pets!)

The Wells Fargo Attune℠ Card is an honest-to-goodness lifestyle card that earns 4% cash rewards on pretty much everything that makes life awesome.

And I really mean "everything." There are more rewards categories than you can shake the proverbial stick at. I'd use up my word count just listing them all. But let's hit some of the highlights.

  1. Self-Care: This category covers those self-care essentials like beauty and barber shops, gym memberships and fitness studios, health and beauty spas, and massage parlors.
  2. Sports, Recreation, and Entertainment: This category covers merchants from nearly any kind of leisure activity, including craft stores, hobby shops, garden supply stores, amusement parks, dance studios, campgrounds, sporting goods stores, pet supplies (!!!), bicycle shops, concerts, movies, and so many more.
  3. Planet-Friendly Purchases: This category is merchants or services that help you reduce your carbon footprint, from antique shops and thrift stores to greener transportation options like buses, trains, subways, and EV charging.

Never worry about arbitrary spending caps with unlimited rewards

One issue you'd normally see on a card with such amazing rewards is some kind of cap on your earnings. For instance, a card might earn 6% back on groceries -- but only for the first $6,000 in grocery store purchases.

Once you hit a spending cap, your rewards rate usually plummets to just 1%. This can be a huge pain, especially if you frequently find yourself maxing out.

The Wells Fargo Attune℠ Card has no spending cap. Your 4% cash rewards are entirely unlimited, with no maximum on how many you can earn. This is unheard of for a card with so many high-earning categories. The earning potential of this card is really impressive.

All of your earnings are savings with no annual fee to pay

A card with dozens of high-earning rewards categories and no spending cap has to have an annual fee, right? Wrong! As great as the rewards on this card are, the lack of an annual card fee is almost the most amazing part of the entire offering.

No annual fee means you never have to think about whether you're getting your money's worth out of this card. So, even if you only use it for a few niche categories -- you're still getting full value because you're not having to make up for a fee.

Have peace of mind with up to $600 in cellphone insurance

One perk Wells Fargo offers on most of its cards is cellphone protection. Just pay your monthly cellphone bill with your eligible card and you'll qualify. Coverage gets you up to $600 in protection against damage, theft, or unintended separation. There is a $25 deductible per claim, and a limit of two claims per 12-month period.

What could be improved

The welcome bonus is quirky, not competitive

Few cards are perfect, so I wasn't expecting a whopper of a welcome bonus on a card with such great rewards. But even I raised an eyebrow at this one. The Wells Fargo Attune℠ Card's current bonus includes a $100 cash rewards bonus when you spend $500 in the first 3 months.

But that's not the curious part. When you hit the spending requirement, Wells Fargo will also donate $50 to Capital Link, a national nonprofit organization. (Capital Link provides solar power infrastructure to community health centers to help them keep operating during blackouts.)

The spending requirement is nice because it's very easy to hit. However, even if you take the cash rewards and the donation together at face value, a $150 welcome bonus is just not competitive. Most other no annual fee cards have bonuses of at least $200, and sometimes even higher than that.

Be careful about currency with a foreign transaction fee

The Wells Fargo Attune℠ Card's biggest weakness in my book is its foreign transaction fee. It charges 3% of each transaction converted to U.S. dollars. This fee will kick in when you make purchases in a foreign currency (or that route through a foreign bank). Since that fee is a big chunk of the rewards you'd earn, I'd say stick with no foreign transaction fee cards while you're traveling. All of the best travel rewards cards skip this fee.

Think twice about expensive buys without purchase protection

You often need to pick between perks and rewards, and this card leaned heavy into rewards. So the perks, like shopping protections, are pretty light. Well, in the case of purchase protection and return protection -- they're actually nonexistent. This isn't entirely uncommon with no annual fee cards (or even many cards with fees!) but it's something to keep in mind if you're going to be making any big-ticket purchases.

What to know before applying

Wells Fargo Attune credit score

It's recommended that you have excellent credit (usually a FICO® Score of 720 or higher) when applying for this card. Keep in mind that Wells Fargo will consider your entire credit history, income, and history with Wells Fargo itself when evaluating your application.

Pre-approval process

You can use Wells Fargo's online prequalification tool to check for offers. It uses a soft credit check and won't impact your credit score. You may also receive pre-approval or prequalification offers from Wells Fargo in the mail, through your existing online account, or by stopping into a branch location.

Intro APR

The Wells Fargo Attune℠ Card has a modest intro APR offer on new purchases. Cardholders can get 0% APR on new purchases for 12 months from account opening, then the regular 20.24%, 25.24%, or 29.99% (Variable) APR applies. There is no intro offer on balance transfers, so the go-to 20.24%, 25.24%, or 29.99% (Variable) APR applies straight from the get-go.

Fees

  • Annual fee: $0
  • Foreign transaction fee: 3% of each transaction converted to U.S. dollars.
  • Balance transfer fee: $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, 5% for each balance transfer, min. $5.

Credit limit

Wells Fargo doesn't publish credit limits for this card, so we have to estimate based on self-reported data from cardholders. The lowest starting limit I've seen reported was $4,000. Other data points suggest starting limits can be as high as $30,000 for very well-qualified applicants.

Should you apply for the Wells Fargo Attune?

If you have any pet, hobby, or activity purchases you aren't already maximizing, you should probably get this card. It offers dozens of 4% cash rewards categories, with no rewards caps, and no annual fee. It's hard to go wrong here.

Our credit card methodology

At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how Motley Fool Money rates credit cards.

FAQs

  • The Wells Fargo Attune℠ Card is a World Elite Mastercard.

  • Yes, according to Wells Fargo, you can move your rewards from a Wells Fargo Attune℠ Card to a Wells Fargo Autograph℠ Card. From there, rewards can be transferred to Wells Fargo's travel partners.

  • There isn't a lot of data yet, but yes, anecdotal information suggests that Wells Fargo is being fairly selective about approvals for the Wells Fargo Attune℠ Card. A strong credit history may be a requirement. You also must adhere to Wells Fargo's application rules, meaning you can only get one new Wells Fargo card per six-month period.