Wells Fargo Attune Card Review: Rewards for Workouts, Weekends, Woofs and Words

Wells Fargo Attune Benefits

4% Cash Rewards

Wells Fargo Attune cardholders earn unlimited 4% cash rewards on select categories, including fitness centers, yoga studios, self-care services like spas, live entertainment such as concerts and movie theaters, pet care expenses, public transit, EV charging stations, thrift and secondhand stores and more. These targeted categories cover a wide range of lifestyle spending that many general rewards credit cards overlook.

No Annual Fee

The Attune Card comes with no annual fee, allowing cardholders to earn rewards without worrying about offsetting a yearly cost.

0% Introductory APR on Purchases

New cardholders enjoy a 0% intro APR for 12 months from account opening on purchases. 18.99%, 23.99%, or 28.99% variable APR thereafter. This offer provides breathing room to pay off larger purchases or unexpected expenses without accruing interest, adding valuable flexibility to the card’s rewards-focused benefits.

Cell Phone Protection

Cardholders get up to $600 in cell phone protection for theft or damage when their monthly phone bill is paid with the card, subject to a $25 deductible. This perk provides a useful safety net at no extra cost, helping offset expensive phone repairs or replacements. I was grateful to have cell phone protection over the summer when my kid’s phone decided to take a swim in the hotel pool.

World Elite Mastercard Perks

As a World Elite Mastercard, the Attune offers several premium benefits, including secondary rental car insurance, 24/7 travel concierge service, ID theft protection tools and zero liability protection against unauthorized charges. These perks add value to the cardholder experience beyond just cash-back rewards.

Concierge service is a slept-on benefit that can save you hours of surfing, especially in a foreign language. I used a Mastercard concierge to help me figure out the byzantine process of buying a ticket to a soccer game in Panama this year.

Wells Fargo Attune Drawbacks

Limited Everyday Broad Categories

The Attune’s bonus categories focus on lifestyle niches rather than broad everyday spend like groceries, gas or dining, meaning cardholders need other credit cards to cover those common purchases efficiently.

Foreign Transaction Fee

The card charges a 3% foreign transaction fee on purchases made outside the US, which makes it less ideal for frequent international travelers. Those planning overseas trips will likely want a no-foreign-transaction-fee alternative card.

Merchant Coding Issues

There have been reports of some eligible purchases not earning the full 4% cash rewards due to merchant category coding inconsistencies. While this can vary by merchant, it requires attention and occasional verification to ensure expected rewards are credited.

Modest Welcome Bonus

While the welcome offer of $100 (plus a $50 charity donation) after spending $500 on purchases in the first three months of account opening is a nice perk, it is modest compared to many competitors that frequently offer bonuses double or triple that amount for similar spending requirements.

Who Is the Wells Fargo Attune Card Best For?

The Attune is built for those whose spending aligns with its bonus categories: active lifestyles, self-care, public transit, entertainment, pet care and bookstores. If monthly transactions lean toward gyms, pet care, movies and eco-friendly transit, the Attune’s 4% cash rewards are unmatched. It also suits anyone annual-fee-averse, wanting solid perks and easy cash rewards — especially those who prize cell phone insurance and can benefit from charity tie-ins.

Is It the Right Card for You?

The Attune would be a terrific backup to a lead such as the Wells Fargo Active Cash® Card. As a secondary card, it boosts overall rewards for those already optimizing other everyday categories with a flat-rate cash-back card. The Attune Card is best for anyone who:

• Spends regularly on health, wellness, entertainment, pet care, bookstores, thrift stores or green transit
• Wants a supplement to broader rewards cards
• Prefers zero annual fee
• Has another card for international travel
• Values cell phone insurance and World Elite Mastercard perks

Alternatives to the Wells Fargo Attune Card

If the Wells Fargo Attune doesn’t seem like quite like the right fit, consider these alternatives:

• Citi Custom Cash® Card : The Custom Cash Card earns 5% on your top eligible spend category (on up to $500 each billing cycle, then 1%) and tracks your top category automatically each month — ideal for optimizing recurring spend.
• U.S. Bank Cash+® Visa Signature® Card: The Cash+ Visa Signature Card lets users select two qualifying bonus categories, such as clothing stores or cell phone bills, to earn at 5% back (capped quarterly at $2,000 in combined purchases, then 1%), and 2% on one “everyday” category, such as gas or groceries. The card is good for hands-on optimizers, but many will find the rewards unnecessarily complicated.
• Wells Fargo Active Cash Card: The Active Cash Card offers an unlimited 2% cash rewards across all categories, plus a richer welcome bonus, best for flat-rate spenders.