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Wells Fargo Attune℠ Card: 4% Back on Wellness & Entertainment – Kudos Review
February 6, 2025
What Is the Wells Fargo Attune Card?
The Wells Fargo Attune℠ Card is a unique cashback credit card designed around wellness, lifestyle, and eco-friendly spending. It has no annual fee, and its standout feature is earning unlimited 4% cash back in select categories that most other cards don’t specifically reward.
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Think of expenses like gym memberships, yoga classes, veterinary and pet supplies, concert or sports tickets, even public transit and charging your EV – the Attune Card was built to “attune” to these aspects of your life and reward you for them.
Here are the key facts at a glance:
- Rewards: 4% cash back on self-care (e.g. fitness clubs, spas), select sports & recreation (sports leagues, movie theaters, live entertainment), and “impactful” purchases (public transportation, EV charging, thrift stores). 1% back on all other purchases.
- Welcome Bonus: $100 cash rewards bonus after spending $500 in the first 3 months. Plus, Wells Fargo will donate $50 to a nonprofit (Capital Link) when you earn that bonus – a nice charitable twist that aligns with the card’s community theme.
- Intro APR: 0% intro APR on purchases for 12 months, giving you a year of interest-free financing if you need it. After that, a variable APR applies (roughly 19.24%–29.24%, based on credit).
- Fees: $0 annual fee. Foreign transaction fee is 3%, so it’s not ideal for spending abroad. Importantly, no late fees – the Attune is one of the rare cards that waives late payment fees (though paying late can still hurt your credit score).
- Network/Type: Visa or Mastercard? It’s a World Elite Mastercard®, which means it comes with high-end perks like cell phone insurance, concierge service, and more (we’ll touch on these later). It also means wide acceptance worldwide, but remember the foreign fee.
In short, the Attune Card is all about rewarding your lifestyle – it’s Wells Fargo’s way of encouraging you to take care of yourself (and even your furry friends) while also taking care of the planet. If those are big spending areas for you, Attune offers a compelling 4% back with no annual cost.
Wells Fargo Attune Card Pros & Cons
Let’s break down where the Attune Card shines and where it has some shortcomings, so you can quickly decide if it fits your needs:
Pros of the Attune Card:
- Exceptional 4% Bonus Categories: You won’t find many no-fee cards giving 4% back on fitness, self-care, pet care, and entertainment. Attune covers a wide swath of niche expenses – from your gym or yoga studio membership to your pet’s vet bills or pet food, from a day at the spa to tickets for a concert or NFL game.
- Unlimited Cashback, Easy Redemption: There’s no cap on the 4% earning. All rewards are in the form of Wells Fargo Rewards points, which you can redeem as cash back (and other options like donations, travel, or paying down loans). Simplicity is high – cash rewards can be taken as a statement credit or bank deposit.
- No Annual Fee & 0% Intro APR: It costs nothing to carry this card, so all those rewards are gravy. The 0% intro APR for 12 months on purchases is great if you have a big self-care purchase planned (maybe a new Peloton bike or elective medical procedure) and want to pay it off over time without interest.
- No Late Fees: This card forgives you if you slip up and miss a due date (though you should still pay as soon as you can). This is a rare benefit and can save you up to ~$40 in fees each time – helpful if you’re forgetful or facing hardships.
- Extra Perks – Cell Phone & Travel Protection: As a World Elite Mastercard, Attune provides cell phone insurance (up to $600 per claim, $25 deductible) if you pay your phone bill with the card. Plus, rental car collision damage waiver coverage when you use it for car rentals, and a 24/7 concierge service for travel and dining reservations. These add value, especially considering the card’s $0 fee.
Cons of the Attune Card:
- Limited Everyday Use: The Attune Card’s 4% is fantastic only in its specific categories. For everyday major spends like groceries, dining, or gas, this card yields just 1% – which is quite underwhelming.
- Foreign Transaction Fee: With a 3% fee on overseas purchases, Attune is not traveler-friendly. If you go abroad or even shop from international websites, you’ll want to use a different card.
- Mediocre Welcome Bonus: The $100 bonus (for $500 spend) is easy to get, but it’s half the size of some competitors. For instance, the Wells Fargo Active Cash often has a $200 bonus for the same spend.
- Requires Good Credit (and a Wells Fargo relationship): You’ll likely need a good to excellent credit score (≈700+) for approval – typical for a prime rewards card. Additionally, some applicants have reported that Wells Fargo prioritizes those who already have a Wells Fargo account or relationship when approving Attune applications.
- Not a One-Card Solution: Because of its category limitations, Attune really works best alongside another credit card. If you’re looking for a single do-it-all card for everything you spend, Attune isn’t it – you’d earn only 1% on many major expenses.
How to Maximize the Wells Fargo Attune Card
The Attune Card delivers outsized rewards if you play to its strengths. Here are a few tips and comparisons to help you get the most value:
Use it for the Right Purchases
Make this your go-to card whenever you’re about to do something fun or healthy for yourself! Going to the gym, salon, or spa? Attune. Buying new running shoes or a bike at a sporting goods store? Attune. Vet or pet store visit? Attune. Grabbing tickets for date night – whether it’s a movie, a concert, or a theme park – pay with Attune.
These are exactly the areas it rewards (4% back), turning those expenses into notable cash-back over time. On the flip side, don’t use Attune for groceries, gas, or a big restaurant tab, because you’ll only get 1%. Put those on a high flat-rate card or a card with specific rewards for those categories.
Take Advantage of World Elite Perks
Because the Attune Card is a World Elite Mastercard, you get some fringe benefits. Activate your cell phone protection by paying your monthly phone bill with Attune – you’ll be covered for up to $600 if your phone is damaged or stolen (with a $25 deductible).
This effectively saves you money you might otherwise spend on phone insurance. Also, explore the Mastercard Luxury Hotel & Resort Collection and concierge services if you travel – while Attune isn’t a travel card, it still gives you access to these VIP-style services (though using them won’t earn extra rewards, it’s a nice free extra). And don’t forget, the Attune Card itself is made of recycled plastic – a small eco-friendly touch that aligns with its ethos.
In summary, maximize Attune by using it deliberately: hit those 4% categories hard, and use a backup card for everything else. Keep an eye on your monthly statement to see just how much those 4% rewards in “random” categories add up – you might be pleasantly surprised. And of course, let Kudos keep you on track (we’ll nudge you when a purchase in Attune’s wheelhouse comes up!).
Comparing Wells Fargo Attune℠ Card with Other Credit Cards
When considering the Wells Fargo Attune℠ Card, it's helpful to compare it with other popular options in the cashback credit card category:
- Annual fee: $0
- Sign-up bonus: Cash bonus after meeting spending requirements
- Key rewards: 5% on travel purchased through Chase Travel℠, 3% on dining and drugstores, 1.5% on all other purchases
- Standout feature: Flexible redemption options including cash back, travel, and gift cards
Capital One Savor Cash Rewards Credit Card:
- Annual fee: $0
- Sign-up bonus: Cash bonus after meeting spending requirements
- Key rewards: 3% on dining, entertainment, popular streaming services, and grocery stores
- Standout feature: No foreign transaction fees
Blue Cash Everyday® Card from American Express (rates & fees):
- Annual fee: $0
- Welcome offer: Cash bonus after meeting spending requirements
- Key rewards: 3% at U.S. supermarkets (up to $6,000 per year, then 1%), 3% cash back up to $6,000 per year, then 1%. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout
- Standout feature: This card offers a generous intro of APR on purchases and balance transfers
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Each card offers unique benefits tailored to different spending habits and preferences. Consider your personal financial goals when choosing the best card for you.
Key Takeaways:
- Wells Fargo Attune℠ Card excels in helping customers earch cash back on clubs gyms
- Chase Freedom Unlimited® offers diverse category bonuses
- Capital One Savor Cash Rewards Credit Card rewards dining and entertainment spending
- Blue Cash Everyday® Card from American Express provides strong rewards on everyday purchases
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Frequently Asked Questions (FAQ)
What purchases earn 4% cash back with the Wells Fargo Attune Card?
Attune’s 4% “bonus” categories cover a wide range of wellness, eco-friendly, and fun lifestyle expenses. According to Wells Fargo, this includes: fitness and self-care (gym memberships, spas, yoga studios, fitness equipment stores), pet care (veterinary services, pet supply stores), recreation & entertainment (movie theaters, concerts, sporting event tickets, museums, amusement parks), and planet-friendly purchases (public transportation like subway/bus fares, rideshares, EV charging, bicycles, and even thrift shops and second-hand stores).
Does the Wells Fargo Attune Card have any fees (annual fee, late fee, foreign fees)?
The Attune Card has no annual fee – it’s free to keep forever. It also famously has no late payment fees; if you miss a due date, Wells Fargo won’t charge you a fee (though try not to test this feature too often, as your credit could suffer after 30 days late). As for foreign transaction fees: Yes, it charges 3% on purchases made outside the U.S. or in foreign currency.
What credit score do I need to get approved for the Attune Card?
Wells Fargo targets this card at customers with good to excellent credit. That usually means a FICO score 670+, and realistically many approved applicants will have ~700 or higher. NerdWallet recommends 690+ for the Attune. Other factors count too – your income, existing debts, and even your relationship with Wells Fargo. Some users have noted that having a Wells Fargo bank account or prior card could improve odds (and conversely, a few people with 750+ scores were surprised by denials possibly due to not being current WF customers).
How does the $50 charitable donation on the Attune Card work?
This is a unique perk! When you’re approved for Attune and then successfully earn the $100 welcome bonus, Wells Fargo will automatically donate $50 to Capital Link (through a program called CHARGE) on your behalf. Capital Link is a nonprofit focused on developing clean energy solutions for healthcare facilities and communities. Essentially, Wells Fargo is sharing a bit of their profit to support a cause related to resilience and wellness – tying into the card’s theme of well-being (health for people, pets, and planet). Y
Is the Wells Fargo Attune Card worth it if I already have other cashback cards?
It depends on your spending habits. Attune is worth it if you regularly spend in its 4% categories – few other cards will reward those purchases as richly. For example, if you pay $100/month in fitness or sports fees, that’s $48 back yearly on Attune, versus $12 with a 1% card – not trivial. However, if your budget is mostly rent, groceries, gas, and streaming subscriptions, Attune won’t move the needle (since those earn just 1%). In that case, a flat 2% card or other specialized cards (like 3% on groceries or gas from other issuers) might cover you better. The good news is Attune has no fee, so you can absolutely carry it alongside other cards. Use it when it’s the top payer, and your other card when Attune would only give 1%.
Conclusion – Should You Get the Wells Fargo Attune Card?
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The Wells Fargo Attune Card is like that friend who really wants you to treat yourself – and rewards you when you do. If your idea of a good time (or a healthy time) involves hitting the gym, spoiling your pet, enjoying a Saturday night out, or choosing the eco-friendly route, Attune was practically made for you. It gives you a generous 4% back for pursuing those passions, all without charging an annual fee or pestering you with gimmicks. Plus, with its charitable aspect and eco-friendly bent, it’s refreshing to see a card that’s aligned with “doing good” while doing well.
That said, Attune isn’t a one-size-fits-all card. It’s phenomenal as a second or third card in a cashback strategy – less so as your only credit card. The happiest Attune users will be those who pair it with another powerhouse card (or two) to cover everyday spending. And remember, the ultimate goal is to make your cards work together. That’s where Kudos can help out.
Consider using the Kudos extension to effortlessly juggle your credit cards – it will automatically suggest when to use your Attune Card versus another card to maximize rewards, taking the guesswork out of it. Overall, Wells Fargo Attune℠ is a fun, rewarding card for the right person. If reading this got you thinking “hey, that sounds like me,” then Attune could be a great addition to your wallet – letting you earn money while you spend on the things that make you you.
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