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  1. Home
  2. Credit Cards
  3. Wells Fargo Attune® Card
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WE
Wells FargoEditorially reviewed

Wells Fargo Attune® Card

Earn unlimited 4% cash rewards on self-care, select sports recreation and entertainment, and impactful purchases, plus 1% cash rewards on other purchases. $0 annual fee.

Mid TierPersonal
Mastercard

Annual Fee

$0

Top Earning Rate

4% back impactful purchases (public transit, ev charging, thrift stores)

Foreign Tx Fee

N/A

Rating

N/A

Current Welcome Offer

100 cashback

$100 estimated value

Spend $500 in 90 days

Verifiedproduct page
Apply NowCompare This CardBrowse all cards

Card Offers

public

100 cashback

Verified

$100 estimated value

Spend $500 in 90 days

product page

Earning Rates

Impactful Purchases (public transit, EV charging, thrift stores)
4%cash back

Taking public transportation, charging your EV, or shopping at select thrift stores.

Select Sports, Recreation, and Entertainment
4%cash back

Singing along at a live event or seeing the latest movie, experiences.

Self-Care (fitness, wellness, spa, gym)
4%cash back

Restoring at a spa or lifting at the gym, fitness and wellness purchases.

All other purchases
1%cash back

Pros & Cons

Pros

  • No annual fee
  • 4% cash rewards in unique categories like self-care and impactful purchases
  • $100 welcome bonus after $500 spend in 3 months
  • 0% intro APR for 12 months on purchases
  • Cell phone protection up to $800 per claim

Cons

  • Ongoing APR of 18.49% to 28.49%
  • Only 1% cash rewards on non-bonus purchases
  • Secondary auto rental coverage
  • Rewards limited to specific categories
  • Maximum limits on cell phone claims

Key Takeaways

  • Earn 4% cash rewards on self-care, select entertainment, and impactful purchases like EV charging.
  • No annual fee and 0% intro APR for 12 months on purchases.
  • Includes cell phone protection and auto rental collision damage waiver.
  • $100 bonus after $500 spend in first 3 months.
  • Mastercard benefits like concierge and ID theft protection.

Fees

Fee TypeAmount
Annual Fee$0

APR Information

Purchase APR
18.49% - 28.49%0% intro APR for 12 months

APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.

Card Benefits

5 benefits

Travel Insurance

Purchase Protection

Lifestyle Benefits

Other Insurance

Coverage Tier Legend

Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average

Hidden Gems

Cellular Telephone Protection

Provides up to $800 reimbursement for damage or theft when paying the cell phone bill with the card, after a $25 deductible. This covers up to two claims per year totaling $1,000.

Mastercard ID Theft Protection

Offers 24/7 monitoring and resolution support for identity theft at no extra cost. Accessible via Mastercard services.

Concierge Service

24/7 personal assistant for worldwide assistance through Mastercard.

Frequently Asked Questions

What is the annual fee for the Wells Fargo Attune Card?
The Wells Fargo Attune Card has no annual fee. This applies from the first year onward.
What are the rewards rates on the Wells Fargo Attune Card?
Cardholders earn 4% cash rewards on self-care such as fitness and spa, select sports, recreation, and entertainment like live events and movies, and impactful purchases including public transit, EV charging, and select thrift stores. All other purchases earn 1% cash rewards. Rewards are unlimited.
What is the welcome bonus for the Wells Fargo Attune Card?
New cardholders earn a $100 cash rewards bonus after spending $500 in the first three months. This is a public offer.
Does the Wells Fargo Attune Card offer an intro APR?
It provides 0% intro APR for 12 months on purchases. After that, the variable APR ranges from 18.49% to 28.49%.
What cell phone protection does the Wells Fargo Attune Card provide?
It offers up to $800 protection against damage or theft when the cell phone bill is paid with the card, subject to a $25 deductible. Maximum two claims per 12 months totaling $1,000. Terms apply.
What travel insurance benefits are included?
The card provides secondary auto rental collision damage waiver up to $50,000 for eligible rentals paid with the card. Decline the rental company's CDW. Exclusions apply.
Are there any purchase protections?
Zero Liability Protection means cardholders are not responsible for unauthorized transactions if reported promptly. Mastercard ID Theft Protection offers 24/7 assistance for identity theft.

About This Card

The Wells Fargo Attune Card suits individuals who frequently spend on fitness, wellness, live entertainment, public transit, or EV charging. It fits those seeking no-fee cashback in niche everyday lifestyle categories.

The Wells Fargo Attune® Card offers a $100 cash rewards bonus after spending $500 in the first 3 months. Earn 4% cash rewards on self-care (spa, gym, fitness, wellness), select sports, recreation, and entertainment (live events, movies), and impactful purchases (public transportation, EV charging, select thrift stores). Earn 1% cash rewards on all other purchases. Features 0% intro APR for 12 months on purchases, then variable APR of 18.49%-28.49%. Includes cell phone protection, auto rental collision damage waiver, and other Mastercard benefits.

The Wells Fargo Attune Card differentiates in the mid-tier cashback space with 4% rewards on self-care, entertainment, and sustainable purchases like EV charging, categories often overlooked by competitors.

Ready to Decide?

Apply for the Wells Fargo Attune® Card

100 cashback, worth about $100 estimated value, with no annual fee.

Spend $500 in 90 days

Apply NowCompare Cards

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Card Categories

CashbackNo Annual FeeEveryday Spending

Sources & Methodology

Data Collection

Card details are collected by automated crawlers from official issuer pages, then verified by editorial review.

Last updated: Apr 14, 2026

Editorial Review

Pending editorial review.

Data Quality
  • 4 of 5 benefits rated high confidence
  • 1 of 1 offer verified
Learn More

Read our full methodology for how we collect, verify, and rate credit cards.

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