Wells Fargo Attune Card — Full Review [2024]

Great Card If

• Your spending habits match the card bonus categories.
• You want a no-annual-fee cash rewards card.

Don’t Get If

• You want a travel rewards card.
• Your spending habits don’t match the bonus categories.

Wells Fargo Attune Card — Is It Worth It?

If you’re in the market for a great cash rewards credit card with no annual fee, then the Wells Fargo Attune Card could be for you. This is especially true if you frequently find yourself spending money on the card bonus categories of:

• Self-care, like gym memberships, exercise classes, salons, and spas
• Certain sports, recreational activities, and entertainment, including live shows and sporting events, gardening and floral stores, pet supplies, boarding, and grooming
• Planet-friendly purchases, like public transit, EV charging stations, and select thrift stores

All of these categories earn an uncapped 4% cash rewards. Not only is this a stellar cash rewards rate, but these are also uncommon categories that you’re not likely to see featured as bonus categories on competitor cash-back cards.

In addition to these great cash rewards rates, the Wells Fargo Attune Card offers perks like cell phone protection, auto rental collision damage waiver, no late fees, and a 0% intro APR for 12 months from account opening on purchases, then 19.74%, 24.74%, or 29.74% variable APR.

Wells Fargo Attune Card Top Features and Benefits

Here is a detailed look at the top benefits that the Wells Fargo Attune Card offers:

• Cell Phone Protection: Up to $600 of cell phone protection per claim against damage, theft, and unintended separation
• Auto Rental Collision Damage Waiver: Pay for your rental with your card and receive secondary coverage toward accidental damage to your rental car.
• No Late Fees: If you need a little extra time to pay your statement balance, you can do so without being charged a late fee, though you still need to pay any accrued interest.

Best Ways To Earn and Redeem Your Cash Rewards

By far, the best way to earn the most cash rewards on your Wells Fargo Attune Card as possible is to use it for as many purchases as possible, especially those that fall within the 4% back categories.

Fortunately, all 3 categories of self-care, select sports, recreation, and entertainment, and impactful purchases are quite broad, giving you tons of opportunities to earn 4% cash rewards. Of course, you still earn 1% cash rewards on other purchases outside of these categories.

Once you’re ready to redeem your cash rewards, Wells Fargo lets you redeem them as a statement credit to offset purchases, as a payment method through PayPal, or toward gift cards with select merchants.

Alternative Cards to the Wells Fargo Attune Card

Citi Double Cash® Card

If you prefer a cash-back credit card that doesn’t require you to memorize bonus categories, the Citi Double Cash card has a simple rewards structure of 2% cash-back on all purchases — 1% when you buy and another 1% when you pay — and still has a $0 annual fee.

Citi Custom Cash^® Card

If you’re looking to maximize your cash-back on the items you spend the most on, the Citi Custom cash card is another great $0-annual-fee card.

With it, you earn 5% back on your top spend category each month, up to $500 in spending, from a list of 10 different categories, including grocery stores, gas stations, fitness clubs, restaurants, live entertainment, select travel, and more.