Wells Fargo Attune Credit Card: 4% Back in Unique Categories
The Bottom Line
4.2
The Wells Fargo Attuneâ„ Card rewards you handsomely in unconventional bonus categories, so it can be the perfect complement to an everyday spending credit card.
Rates, fees and offers
Annual fee
$0
Rewards rate
1%-4%
Bonus offer
Earn a $100 cash rewards bonus when you spend $500 in purchases in the first 3 months.
Intro APR
0% intro APR on Purchases for 12 months from account opening
Ongoing APR
APR: 19.24%, 24.24%, or 29.24% Variable APR
Cash Advance APR: Refer to Important Credit Terms
Balance transfer fee
3% for 120 days from account opening, then up to 5%, min: $5
Foreign transaction fee
3%
More details from Wells Fargo
- Earn a $100 cash rewards bonus when you spend $500 in purchases in the first 3 months.
- Wells Fargo will donate $50 to Capital Link when you qualify for the $100 cash rewards bonus.
- $0 annual fee.
- Earn unlimited 4% cash rewards on self-care, select sports, recreation, entertainment and impact purchases including public transportation, and EV charging.
- Earn 1% cash rewards on other purchases.
- The information related to the Wells Fargo Attuneâ„ Card has been collected by NerdWallet and has not been reviewed or provided by the issuer or provider of this product or service.
Pros and Cons
Pros
No annual fee
Bonus categories
New cardholder bonus
Cons
Requires good/excellent credit
Detailed Review
The Wells Fargo Attune℠Card is designed to encourage health and wellness — of the self, one’s pets and the planet. For a $0 annual fee, the card earns an excellent 4% back on gym memberships, pet supplies and public transportation, among many other things.
Better yet, Wells Fargo has a broad definition of wellness, so the Attune card could be valuable to customers beyond health enthusiasts and fitness buffs. For example, Disneyland and Disney World tickets count as leisure and thus earn 4% back, making the Attune card one of the best cards for Disney lovers, even better than Disney’s own co-branded credit cards. And since binge-watching your favorite reality TV show can be a form of self-care, many streaming services earn 4%, too. Other credit cards with higher rewards rates on streaming tend to charge an annual fee, unlike the Attune card.
The rewards categories for the Attune card don’t represent everyday spending for many people; the card doesn’t earn elevated rewards on groceries or dining, for instance. But it can serve as an ideal pairing with an everyday, workhorse card that offers rewards in more conventional spending categories.
» MORE: Best credit cards for wellness
According to the card’s terms and conditions, you may not qualify for the Wells Fargo Attune℠Card if you opened a Wells Fargo card in the last six months.
Wells Fargo Attuneâ„ Card: Basics
Card type: Cash back.
Annual fee: $0.
Sign-up bonus: Earn a $100 cash rewards bonus when you spend $500 in purchases in the first 3 months.
Rewards:
Purchases in the following categories earn an unlimited 4% cash rewards:
Self-care. Beauty and barber shops; gym memberships and fitness studios; health and beauty spas; and massage parlors.
Good for the planet. EV stations; public transportation; and secondhand and vintage stores.
Sports, recreation and entertainment. Gardening and floral stores; campgrounds; sports supplies; movie theaters; live shows and sporting events; amusement parks; tourist attractions; pet supplies, boarding and grooming; and streaming.
Below is a more expansive list of qualifying bonus categories. Anything outside of these categories earns an unlimited 1%.
List of Wells Fargo Attune categories that earn 4% back
As of this writing, the following merchants will qualify as "self-care, planet-friendly, and recreation, sports and entertainment" purchases:
Self-care:
Beauty shops and barbershops.
Gym memberships and fitness studios.
Health and beauty spas.
Massage parlors.
Planet-friendly:
Antique shops.
Used merchandise and secondhand stores.
Bus lines.
Electric vehicle charging stations.
Local and suburban commuter passenger transportation, including ferries.
Passenger railways.
Other transportation services.
Sports, recreation and entertainment:
Artist supply and craft shops.
Camera and photographic supply stores.
Hobby, toy, and game shops.
Photofinishing laboratories and photo developing.
Sewing, needlework, fabric and piece goods stores.
Florists.
Florists supplies nursery stock and flowers.
Nurseries and lawn and garden supply stores.
Aquariums, seaquariums, dolphinariums, and zoos.
Amusement parks.
Billiard and pool establishments.
Bowling alleys.
Circuses, carnivals and fortune tellers.
Dance halls, studios and schools.
Public golf courses.
Recreation services not elsewhere classified.
Sporting and recreational camps.
Tourist attractions and exhibits.
Trailer parks and campgrounds.
Pet shops, pet foods, supplies stores and miscellaneous pet services.
Bicycle shops – sales and service.
Boat rentals and leasing.
Marinas, marine service and supplies.
Motor home and recreational vehicle rentals.
Sports and riding apparel stores.
Sporting goods stores.
Bands, orchestras and miscellaneous entertainers.
Commercial sports, professional sports clubs, athletic fields and sports promoters.
Ticket agencies and theatrical producers.
Bookstores.
Cable and other pay television.
Digital goods media – books, movies, digital artwork/images, music.
DVD/videotape rental stores.
Large digital goods merchant.
Motion picture theaters.
Music stores – musical instruments, pianos and sheet music.
Record stores.
APR: 0% intro APR on Purchases for 12 months from account opening, and then the ongoing APR of 19.24%, 24.24%, or 29.24% Variable APR.
Foreign transaction fee: 3%.
Other benefits:
Compare to Other Cards
Benefits and Perks
Broad rewards categories
Because the Wells Fargo Attune℠Card's rewards categories are so varied, earning cash back can be easy depending on how you spend. Cardholders earn the stellar 4% rate on a diverse set of merchants, from florists and bowling alleys to movie theaters, antique stores and much more.
Merchant category codes, or MCCs — four-digit codes that classify a business according to its goods or services — are key to how much you’ll earn with the Attune card. For example, the card earns 4% bonus cash rewards at secondhand stores, which are classified under the MCC 5931. As long as the payment network (which for this card is Visa) has categorized your favorite thrift store under that MCC, you should be rewarded for shopping there with 4% cash back.
Rewards may be redeemed for cash, charitable donations, merchandise, gift cards and travel, or used to pay off purchases through the Pay with Rewards program.
Flexible, transferable points
Earnings from the Wells Fargo Attune℠Card come in the form of Wells Fargo Rewards and may be transferred to other Wells Fargo Rewards-earning cards such as the Wells Fargo Active Cash® Card. That means you can combine rewards from multiple Wells Fargo cards into one pot. And if you have both the Wells Fargo Attune℠Card and a Wells Fargo travel card — such as the Wells Fargo Autograph® Card or Wells Fargo Autograph Journey℠Card — the rewards you earn with the Attune can be moved to those cards’ accounts and then transferred to one of Wells Fargo’s travel partners.
Full list of Wells Fargo transfer partners
Airlines
Air France-KLM (1:1 ratio).
Avianca (1:1 ratio).
British Airways (1:1 ratio).
Aer Lingus (1:1 ratio).
Iberia (1:1 ratio).
Virgin Atlantic (1:1 ratio).
Virgin Red (1:1 ratio).
Hotels
Choice Privileges Hotels (1:2 ratio).
No late fees
The Wells Fargo Attune℠Card is rare among its peers in that it doesn’t charge late fees. Note, however, that card issuers typically report payments more than 30 days late to the major credit bureaus, which can cause credit scores to drop.
Insurance coverage
Like some of the issuer's other credit cards, the Wells Fargo Attuneâ„ Card offers cell phone insurance on up to two $600 claims per 12-month period. A $25 deductible is required, and cardholders must pay their cell phone bill with the Wells Fargo Attuneâ„ Card to qualify.
Cardholders also get rental car insurance up to $50,000 when they pay for the rental with their Wells Fargo Attuneâ„ Card.
0% intro APR period on purchases
The Wells Fargo Attuneâ„ Card offers a 0% intro APR on Purchases for 12 months from account opening, and then the ongoing APR of 19.24%, 24.24%, or 29.24% Variable APR.
» LEARN: How do 0% APR credit cards work?
Drawbacks and Considerations
Mediocre welcome bonus
The Attune card comes with a smaller welcome bonus compared to other Wells Fargo credit cards: Earn a $100 cash rewards bonus when you spend $500 in purchases in the first 3 months.
In comparison, the Wells Fargo Active Cash® Card has the following welcome bonus: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Not ideal for everyday spending
While the Wells Fargo Attune℠Card covers a lot of varied ground with its bonus categories, noticeably absent among them are some of the biggest and most popular household expenses: Groceries, dining and gas all earn just 1% back. So you may want to consider pairing the Wells Fargo Attune℠Card with a card that offers a high flat rate on all purchases. The Wells Fargo Active Cash® Card, for instance, could be that card: It offers 2% cash back on all eligible purchases, and as noted above, those rewards can be pooled with the Wells Fargo Attune℠Card.
How To Decide If It's Right For You
Before applying for the Wells Fargo Attune℠Card, it may be worthwhile to review the card’s website, which lists qualifying purchases and merchant examples in great detail. The sports, recreation and entertainment category is especially inclusive. If the Attune card’s 4% rewards categories align with your discretionary spending, it may be a perfect fit for your wallet.
Information related to the Wells Fargo Attuneâ„ Card has been collected by NerdWallet and has not been reviewed or provided by the issuer of this product.
The Capital One Savor Cash Rewards Credit Card blends practicality and fun. Like the Wells Fargo Attuneâ„ Card, it earns rewards on entertainment and streaming. However, it also earns an excellent 3% cash back rate on top spending categories for many families, including dining and groceries.
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About the author
Jae Bratton
Lead Writer & Content Strategist
