Wells Fargo
Wells Fargo Attune® Card
Key Features
| Annual Fee | $0.00 |
| Intro APR | 0% intro APR for 12 months from account opening on purchases. |
| Regular APR | 18.49%, 24.49%, or 28.49% variable APR thereafter. |
| Network | Mastercard |
About this card
The Wells Fargo Attune® Card is a good option, especially for those whose spending aligns with its niche rewards categories. The strong rewards rate of 4% cash back on select purchases like self-care, recreation, and entertainment, combined with no annual fee, offers substantial value. The intro APR on purchases is also a nice perk. However, the high regular APR range is a significant drawback. Additionally, the limited bonus categories mean it's not a great card for general spending. The issuer's reputation is mixed. Taking all these factors into account, a 3.6 rating reflects a solid card with both considerable strengths and weaknesses. The card excels in targeted rewards but falls short for broad appeal and competitive APR.
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Generous sign-up bonus
- Cashback on purchases
- Cell phone protection
Things to consider
- High regular APR
- Limited rewards categories
What this card offers
Sign-up bonuses
- Earn a $100 cash rewards bonus when you spend $500 in purchases in the first 3 months.
Rewards
- 4% cash rewards (1% base plus 3% bonus) are earned per $1 spent on net purchases at retailers whose merchant category codes include: Select Sports, Recreation, and Entertainment (gardening and floral stores, campgrounds, sports supplies, movie theaters, live shows and sporting events, amusement parks, tourist attractions, and pet supplies, boarding, and grooming); Self-Care (gym memberships, massages, hair and nail salons); and Planet-Friendly Purchases (public transportation, electric vehicle charging stations and select secondhand stores).
- Other purchases: 1% cash rewards will be earned per $1 spent on other net purchases.
Other features
- Cellular Telephone Protection
- Get up to $600 of cell phone protection per claim against damage, theft, and unintended separation when you pay your monthly phone bill with your Attune Card. Subject to a $25 deductible.
- Mastercard Global Service™
- Mastercard ID Theft Protection™
- Identity theft hurts, but Mastercard can help – for no extra cost. From scouring the internet to see if your personal info is being sold to helping you clear your name with credit rating agencies, we are there for you 24/7. Simply visit mastercardus.idprotectiononline.com or call 1-800-Mastercard.
- Zero Liability Protection
- Built-in protection features ensure that you won't be held responsible for unauthorized transactions, as long as they're reported promptly.
- Auto Rental Collision Damage Waiver
- Pay for rental cars using an eligible credit card and get reimbursed for covered damage or theft.
- Concierge Service
- A personal assistant ready to help 24/7, worldwide: Worldeliteconcierge.mastercard.com.
- Mastercard Travel and Lifestyle Services
- Enjoy added peace of mind and a worry-free stay. If you experience problems with your 3-star or higher rated hotel, contact a lifestyle concierge, 24/7, who will work directly with your hotel to help resolve the issue.
- Recycled Material
- Your Attune Credit Card is made of recycled plastic.
- Paperless Statements
- Once enrolled in Wells Fargo Online®, your card statements and Terms and Conditions packet will automatically be delivered digitally (unless you request paper copies) for a secure option that’s easy to manage. Just another way your card helps reduce paper waste.
- Contactless Cards
- Tap your card where you see the Contactless Symbol and speed through checkout! wellsfargo.com/tap
- My Wells Fargo Deals
- Through My Wells Fargo Deals, you have access to personalized deals from a variety of merchants. Activate your deals, then shop, dine or enjoy an experience using an eligible Wells Fargo card. It’s an easy way to earn cash back as an account credit.
- Credit Close-Up®
- With Credit Close-Up® you own the skills to help understand and track your FICO® Score, raise it, or maintain it. Enroll to receive monthly FICO® Score updates and personalized credit insights. It’s complementary to Wells Fargo Online® customers and using it won’t negatively affect your score.
- Pay with Rewards
- Check out with PayPal, and use your cash rewards for all or part of your eligible purchases.
- Redeem for Purchases
- Redeem your cash rewards toward the cost of a past, eligible purchase.
- Gift Cards
- Redeem cash rewards for gift cards from over 250 merchants, including e-Gift cards as low as $10.
- Redeem to Account
- Redeem cash rewards as a credit to your account, including eligible Wells Fargo credit card or checking accounts.
Additional Notes
Offers may differ from time to time and depend on the marketing channel, such as phone, email, online, direct mail, or in branch. You must select Apply now to take advantage of this offer. You may not qualify for an additional Wells Fargo-branded consumer credit card if you have opened a Wells Fargo-branded consumer credit card in the last 6 months. You may not be eligible for introductory annual percentage rates, fees and/or rewards bonus offers if you have the card product you are applying for or opened one within the last 48 months from the date of the application – even if that account is closed and has a $0 balance.