Wells Fargo Attune bank card assessment: Full particulars

The knowledge for the Wells Fargo Attune has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.

*Card ranking relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

The Wells Fargo Attune earns limitless 4% money rewards in a number of unusual classes. The cardboard might be an incredible possibility for health lovers, pet house owners and avid concertgoers — however these aren’t the one spenders who may gain advantage from having it.

We advocate a credit score rating of 670 to provide your self an excellent likelihood at being authorized.

Now, let’s dig into the main points and see if you happen to’re an excellent candidate for the Wells Fargo Attune.

Wells Fargo Attune execs and cons

Wells Fargo Attune welcome provide

New Wells Fargo Attune candidates earn a $100 money rewards bonus after spending $500 within the first three months from account opening.

Nonetheless, the Attune does function as much as $600 in mobile phone safety towards injury and theft if you pay your month-to-month invoice with the cardboard (topic to a $25 deductible).

You will additionally obtain an auto rental collision injury waiver (protection is secondary), entry to Mastercard’s World Elite concierge service, Mastercard ID Theft Safety and nil legal responsibility safety.

New cardholders are additionally eligible for a 0% introductory APR interval on purchases for the primary 12 months from account opening, then a 19.24%, 24.24% or 29.24% variable APR thereafter.

The Attune is not the cardboard to convey overseas, although, because it expenses a 3% price on all overseas transactions.

Maybe most significantly, the Attune’s broad and distinctive bonus-earning classes set it aside from different no-annual-fee playing cards and are the highest advantages.

Associated: Why you might have considered trying a cash-back card

Incomes money rewards on the Wells Fargo Attune

• Planet-friendly, impactful purchases
• Choose sports activities, recreation and leisure
• Self-care

These classes are broadly outlined and earn elevated rewards on an extended listing of bills. Many of those aren’t usually included in bonus classes on different playing cards.

Listed below are particular examples of purchases that earn 4% money rewards on the Attune:

The Attune earns 1% money rewards on different purchases.

This card’s bonus classes are wide-ranging and distinctive. These is probably not for everybody since they do not embrace frequent purchases like journey and groceries, however they might be game-changing for some.

Bonus class highlights embrace pet-related purchases, resembling pet retailers, provides, boarding and grooming; vacationer points of interest; amusement parks; and wonder and barber retailers. These purchases aren’t usually lined by bonus classes on different playing cards, making the Attune stand out.

It is price noting that some cardholders have seen sure purchases code incorrectly, incomes 1% money rewards as a substitute of the 4% bonus. It is price conserving observe of your statements to make sure you’re getting the return you anticipate.

Associated: Distinctive bank card advantages you will not discover elsewhere

Redeeming money rewards on the Wells Fargo Attune

Rewards earned with the Wells Fargo Attune may be redeemed in a number of methods:

• Present playing cards in increments of $10
• Previous purchases you’ve got already made (beginning at $1; it’s essential to have sufficient rewards in your account to cowl the total buy to redeem this manner)
• PayPal checkout
• Assertion credit towards your card’s stability or eligible Wells Fargo checking accounts or mortgages

And, in case you have a card that earns transferable Wells Fargo Rewards factors, such because the Wells Fargo Autograph® Card (see charges and costs) or Wells Fargo Autograph Journey℠ Card (see charges and costs), you possibly can convert your money rewards earned on the Attune into journey rewards that may be moved to considered one of Wells Fargo’s switch companions.

Associated: Easy methods to redeem cash-back rewards out of your bank card

Which playing cards compete with the Wells Fargo Attune?

Whereas there is not one other card precisely just like the Wells Fargo Attune, there are a couple of playing cards that compete with it:

Associated: The very best bank cards to maximise your leisure spending

Is the Wells Fargo Attune price it?

I view the Wells Fargo Attune as a stable possibility for incomes money rewards on purchases that are not included in frequent bonus classes on different playing cards. Whereas the Attune’s bonus classes do not cowl your commonest spending, incomes 4% money rewards on purchases resembling fitness center memberships, hair appointments, films and live performance tickets makes it an excellent complement to a cash-back fanatic’s pockets — or somebody with a points-earning Wells Fargo card.

Backside line

The Wells Fargo Attune is framed as a card centered on common well-being because it rewards planet-friendly spending, leisure purchases and self-care bills.

Associated: Widespread errors to keep away from when utilizing a cash-back bank card