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Share on FlipboardWells Fargo Attune Review – Wells Fargo’s Highest Cash Back Card
The new Wells Fargo Attune credit card is designed to meet the diverse financial needs of modern consumers who prioritize self-care and planet-friendly purchases. Earn up to 4% cash back and pay no annual fee or penalties.
Wells Fargo Attune℠ Card
1% - 4%
Self-care
4%
Impactful purchases
4%
Sports, recreation, and entertainment
4%
Other purchases
1%
Fees and APR
Other features
$100
You can redeem Rewards Points through these options:
By phone or online -You can redeem Cash Rewards in $25 increments. You can request a paper check or automatically apply them to either your:
Eligible Wells Fargo Checking or Savings accounts, or
Wells Fargo credit products that qualify to receive cash redemptions.
Through a Wells Fargo ATM -You can redeem Cash Rewards in $20 increments. You can either withdraw cash or transfer Rewards to an eligible Wells Fargo account. To redeem Cash Rewards in this way, you must have a Wells Fargo Debit or ATM card. A maximum limit may exist on the dollar amount of cash redemption rewards you can make each day at a Wells Fargo ATM.
Our Verdict
Best Suited for:
The Health Nut 
Eat healthy, exercise, and take care of yourself is your mantra. You belong to the best gyms, follow all the latest healthy food recommendations, and make a trip to the drug store every week to purchase the latest supplements and vitamins.
| Pros | Cons |
|---|---|
 $0 annual fee |  Rewards categories may not align with your spending |
| Intro APR offer on purchases | Low sign-up bonus |
| High cash back earnings on self-care, entertainment, and planet-friendly purchases | Lack of travel and other luxury benefits and perks |
| Variety of rewards redemption options | 3% foreign transaction fees |
| Cell phone protection, auto rental collision damage waiver, and concierge services | Good to excellent credit required |
| Unlimited rewards |
Comparing Wells Fargo Autograph with similar cards
Wells Fargo Attune℠ Card
Wells Fargo Active Cash®
Chase Freedom Flex®
Beyond the basics
| Balance transfer intro APR | N/A |
| Cash advance APR | 29.99% |
| Foreign transaction fees | 3% of each transaction |
| Loan APR | 20.24%, 25.34%, 29.99% |
| Late payment fee | None |
| Penalty APR | None |
| Credit score required | 670+ (Good – Excellent) |
Other Offers
Cell phone protectionGet up to $600 of cell phone protection against damage, theft, and loss when you pay your monthly bill with the Attune credit card.
Auto rental collision damage waiverPay for rental cars using your Attune card and get reimbursed for covered damage or theft.
Concierge ServicesGet 24/7 access to recommendations and other assistance.
Mastercard Travel and Lifestyle ServicesIf you experience a problem with your hotel, a Lifestyle Manager can help resolve the issue.
My Wells Fargo DealsGet access to personalized deals from a variety of merchants and earn additional cash back.-
Airport ConciergeGet 15% savings on Airport Meet and Greet services at select airports.
What we like about this card
No annual fee or penalties
This card comes with no annual fee, no late fees, and no penalty APR if you do miss a payment.
Unlimited 4% cash back
This card has several merchants and spending categories where you can earn unlimited 4% cash back. Many credit cards with higher rewards categories have caps at how much cash back you can earn, making this card stand out.
Specialized rewards categories
Many of these rewards categories are not seen with other credit cards, including things like massage and beauty spas, gardening and other hobby purchases, streaming, music, movies, and books, and antique shop purchases. For those who have high spending in these categories, this may be one of the most lucrative cards on the market.
Rewards redemption options
Redeem rewards for a statement credit, cash back, or gift cards. You can also redeem for travel purchases or transfer rewards to one of Wells Fargo’s transfer partners to get even more bang for your buck.
Drawbacks and considerations
Lack of perks and benefits
Compared to other credit cards, the Wells Fargo Attune card doesn’t have many additional perks and benefits, especially those related to travel. If you’re looking for more luxury or travel benefits, this card may not be for you.
Rewards categories could be niche
While there is quite a variety of purchases that fall into the 4% cash back rewards categories, some could be considered quite niche and may not align with your spending. Check that the bonus categories are areas where you spend before choosing this card.
Low sign-up bonus
The Attune has a sign-up bonus of $100 when you spend $500 in the first three months. While this is relatively easy to achieve, the bonus is lower than many other cards available.
No balance transfer intro APR offer
The Attune does have a 0% intro APR for purchases, but not for balance transfers. If you’re looking for a card to help you save on debt consolidation, consider a different card.
Foreign transaction fees
The Wells Fargo Attune card does come with foreign transaction fees, so if you frequently travel internationally or make purchases in foreign currencies, these fees can quickly add up and offset cash back benefits.
How to decide if this card is right for you
Deciding if the Wells Fargo Attune credit card is right for you depends on your financial needs, spending habits, and the specific features and benefits of the card
Check your credit score
It’s recommended to have good to excellent credit (670 or higher) when applying for the Attune card. Check your credit score to understand if you’d qualify, and if not, review your credit report to understand how you may be able to improve your score.
Assess your spending habits
Carefully review the 4% cash back rewards categories and example merchants to learn if these align with your spending habits. Estimate your monthly spending in these categories to calculate potential rewards earnings.
Understand the card’s features
Consider the 0% intro APR offer for purchases and ongoing APR for purchases, balance transfers, and cash advances. Finally, consider the foreign transaction and balance transfer fees and whether those will cost you as you use the card.
Check the card’s perks and benefits
The Attune does have a few additional perks and benefits, so understand what those are and whether you’ll be able to take advantage of them. Consider whether additional perks offered by other credit cards may be more valuable.
Read ratings and reviews
Wells Fargo is a relatively well-known and respected bank, but check online reviews and ratings from current cardholders to get an idea of customer satisfaction and potential issues with Wells Fargo and the Attune card. Also look for expert reviews from financial websites and blogs.
Understand the terms and conditions
Read the fine print to understand all the terms and conditions associated with the card, including how rewards are earned and redeemed.
Ways to maximize the benefits of this card
Maximizing the benefits of the Wells Fargo Attune card involves strategically using the card to earn the most rewards, taking advantage of any introductory offers, and utilizing the card’s additional features. Here are some effective ways to do this:
1. Leverage rewards categories: Understand what categories earn the most rewards with your card, and use the card primarily for purchases in those top categories to maximize earnings.
2. Take advantage of intro offers: The Attune card currently has a sign-up bonus ($100 when you spend $500 in the first three months), which can be a relatively easy to earn bonus. Plus, Attune has a 0% intro APR offer for 12 months on purchases, so take advantage of this if you plan to make a large purchase when you first get the card.
3. Redeem rewards strategically: Look for redemption options that provide the best value, such as cash back, statement credits, or travel transfer partners. Steer clear of lower-value redemption options such as gift cards, unless they are on promotion.
4. Use the additional benefits: The Attune card offers cell phone protection, auto rental collision damage waiver, concierge services, and more. Take advantage of those benefits to make the most of the card.
5. Pay your balance in full: Paying your balance in full each month helps you avoid interest charges, which can negate the value of your rewards. Plus, regular, on-time payments contribute to a healthy credit score.
How to redeem your rewards
Redeeming Wells Fargo credit card rewards can be done through various methods.Here’s a step-by-step guide to help you understand how to redeem your Wells Fargo credit card rewards:
1. Log into Your Account: Visit the Wells Fargo website and log into your online account using your username and password. Alternatively, you can use the Wells Fargo mobile app to access your account.
2. Navigate to the Rewards Section: Once logged in, navigate to the rewards section. This can usually be found under the “Accounts” tab or a specific “Rewards” tab.
3. Check Your Rewards Balance: Check your current rewards balance to see how many points, miles, or cash back you have accumulated.
4. Explore Redemption Options: Wells Fargo offers a variety of redemption options, which may include:
Cash Back: Redeem your rewards for a statement credit or a direct deposit into a Wells Fargo checking or savings account.
Travel: Use your points or miles to book flights, hotels, car rentals, and more through the Wells Fargo Rewards portal.
Gift Cards: Choose from a selection of gift cards to popular retailers and restaurants.
Merchandise: Redeem points for merchandise through the Wells Fargo Rewards catalog.
Charitable Donations: Donate your rewards to a participating charity.
5. Select Your Preferred Redemption Option
Cash Back Redemption: If you choose cash back, select the amount you want to redeem and confirm whether you want it as a statement credit or a bank deposit.
Travel Redemption: If booking travel, follow the prompts to search for flights, hotels, or other travel services, and complete the booking using your rewards.
Gift Card Redemption: Browse available gift cards, select your preferred one, and confirm the redemption.
Merchandise Redemption: Browse the catalog, select the item you want, and complete the redemption process.
Charitable Donations: Choose the charity you want to support and specify the amount you wish to donate.
6. Confirm and Complete the Redemption: Double-check the details of your redemption to ensure everything is correct. Confirm the redemption and submit your request. You may receive a confirmation email or notification.
7. Monitor Your Account: Monitor your account for updates regarding the status of your redemption, especially for travel bookings and merchandise orders.
How this card helps the environment along with you
One way the Attune credit card helps the environment is when you earn the $100 sign-up bonus, Wells Fargo will donate $50 to Capital Link, a national nonprofit organization that helps bring emergency solar power to vulnerable communities. Additionally, you get rewarded for making planet-friendly purchases, such as commuter passenger transportation and railways, EV charging stations, bus lines, and antique shops/used merchandise stores purchases.
Also know that the Attune card is made from recycled plastic.
Found a prefect pair
Pair your Wells Fargo Attune with Chase Sapphire Preferred
Earn5x points on travel booked through Chase, 3x points on online grocery purchases, streaming services, and dining, 1x points on all other purchases. Make the most of this card by taking advantage of the travel perks and additional card benefits, as well as rewards on broader spending categories. Includes travel insurance and purchase protections.
Methodology
At Credello, our credit card content is crafted and maintained by a dedicated team of writers and editors with extensive expertise in personal finance. Our team members have contributed to prestigious publications such as USA Today, Conde Nast Traveler, Travel + Leisure, Forbes, Business Insider, Thrive Global, Observer, New York Magazine. They have also been quoted as experts or cited by MarketWatch, The New York Times, Money, and GOBankingRates.com.
Credello’s credit card reviews aim to provide readers with clear and unbiased information to help them choose the right credit card that aligns with their financial goals and needs. Our methodology emphasizes transparency, disclosure of any potential biases, and regular updates to ensure the information remains relevant and accurate for readers. The methodology used to review credit cards relied on a number of factors, with the most prominent of those being:
- Annual Percentage Rate (APR): Assess the interest rates charged on outstanding balances.
- Annual fees: Evaluate the cost of owning the credit card, including any annual fees.
- Rewards and benefits: Examine rewards programs, cashback offers, travel perks, and other cardholder benefits.
- Introductory offers: Analyze introductory APR, balance transfer offers, and sign-up bonuses.
- Credit limit: Consider the card’s credit limit and its suitability for different financial needs.
- Fees and penalties: Review late fees, foreign transaction fees, and other charges.
- Credit score requirements: Determine the credit score needed to qualify for the card.
- Customer service: Research the quality and accessibility of customer support.
- Security features: Assess security measures such as fraud protection and chip technology.
With decades of combined experience, our team is committed to providing accurate and up-to-date information. We follow stringent editorial guidelines to ensure the integrity and reliability of our content. Our writers and editors regularly communicate with credit card issuers to verify that the details we provide are current and correct. When there are updates to credit card offers, our editorial team promptly reviews and revises our content to reflect these changes, ensuring our readers always have access to the most accurate information available.
The product information provided here is based on research conducted up to a specific date and may have changed. For the latest and most accurate information, we recommend you to visit the respective card’s website before proceeding.
FAQs
Yes, you can apply for the new Wells Fargo Attune card even if you already have a Wells Fargo credit card. Approval will depend on your creditworthiness and Wells Fargo’s credit policies. That said, you may not qualify for an additional Wells Fargo credit card once if you opened one in the last six months.
Getting approved for the Wells Fargo Attune credit card generally requires good to excellent credit. Approval depends on various factors, including your credit score, income, and credit history. It’s advisable to check your credit status and ensure it meets Wells Fargo’s requirements before applying.
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At a Glance 
- Pros and cons of Wells Fargo Attune
- Hidden perks
- Comparing Wells Fargo Attune with similar cards
- Beyond the basics
- Other offers
- What we like about this card
- Drawbacks and considerations
- How to decide if this card is right for you
- Ways to maximise the benefits of this card
- How to redeem your rewards
- How this card helps the environment along with you
- Methodology
- FAQs
In this article
