April 3, 2025: The Wells Fargo Attune® Card offers 4% cash back in a bunch of unique, niche categories. If the card offers rewards in a category where you spend a lot, it can be an incredibly valuable addition to your wallet.
Our review of the Wells Fargo Attune Card
Cards and Points Rating: 3.5/5.0
Read more about our star ratings.
The Wells Fargo Attune® Card has perhaps the most unique set of bonus categories of any credit card. You won’t get bonus cash back on your groceries, but you’ll get market-leading rewards on your kid’s Irish dance lessons and when they get new strings on their viola.
Specifically, you’ll get 4% cash back rewards in a variety of self-care, sports, recreation, entertainment, and socially-conscious purchases. The list of bonus categories is long—see below in the article for the full list.
Like other Wells Fargo cards, the Attune is pretty light on benefits—you’ll get a decent cellular phone protection benefit with the card and secondary rental car insurance, but that’s it.
If you spend a lot in one or more of the card’s many bonus categories, the Attune is likely to be very rewarding for you. If not, you’re going to be better off with a 2% cash back card or a card that earns more rewards in more common bonus categories.
Likes
- 4% cash back in many categories.
- No annual fee.
Dislikes
- Very limited set of benefits.
- Categories are extremely niche.
- Wells Fargo can be difficult with card approvals.
Wells Fargo Attune Card at a glance
Annual fee: $0
Foreign transaction fee: 3% of each transaction converted to U.S. dollars.
The Wells Fargo Attune® Card has a wide-ranging and unique set of niche bonus categories that can make it incredibly compelling for some.
Sign-up bonus
Best sign-up bonus: Earn a $100 cash rewards bonus when you spend $500 in purchases in the first 3 months. Plus, unlock a nonprofit donation when you qualify for the bonus.
Learn how to apply.
This bonus is earned as cash back.
Rewards
- 4% on self-care.
Includes beauty and barber shops; gym memberships and fitness studios; health and beauty spas; and massage parlors. - 4% on sports, recreation, and entertainment.
- Create and Collect categories: Artist’s Supply and Craft Shops; Camera and Photographic Supply Stores; Hobby, Toy, and Game Shops; Photofinishing Laboratories and Photo Developing; and Sewing, Needlework, Fabric and Piece Goods Stores.
- Gardening and Floral categories: Florists; Florists Supplies Nursery Stock and Flowers; and Nurseries and Lawn and Garden Supply Stores
- Other recreation and leisure categories: Aquariums, Seaquariums, Dolphinariums, and Zoos; Amusement Parks; Billiard and Pool Establishments; Bowling Alleys; Circuses, Carnivals, and Fortune Tellers; Dance Halls, Studios and Schools; Public Golf Courses; Recreation Services Not Elsewhere Classified; Sporting and Recreational Camps; Tourist Attractions and Exhibits; and Trailer Parks and Campgrounds
- Pet care categories: Pet Shops, Pet Foods, and Supplies Stores; and Other Miscellaneous Services.
- Sports and Recreational Equipment: Bicycle Shops – Sales and Service; Boat Rentals and Leasing; Marinas, Marine Service, and Supplies; Motor Home and Recreational Vehicle Rentals; Sports and Riding Apparel Stores; and Sporting Goods Stores.
- Sports and Live Entertainment Tickets: Bands, Orchestras, and Miscellaneous Entertainers; Commercial Sports, Professional Sports Clubs, Athletic Fields, and Sports Promoters; and Ticket Agencies and Theatrical Producers
- Streaming, Music, Movies, and Books: Book Stores; Cable and Other Pay Television; Digital Goods Media – Books, Movies, Digital artwork/images, Music; DVD/Video Tape Rental Stores; Large Digital Goods Merchant; Motion Picture Theaters; Music Stores – Musical Instruments, Pianos, and Sheet Music; and Record Stores.
- 4% on planet-friendly purchases.
- Antique Shops; and Used Merchandise and Secondhand Stores.
- Bus lines.
- EV Charging Stations.
- Local and Suburban Commuter Passenger Transportation, including Ferries.
- Passenger Railways.
- Other Transportation Services
- 1% on other purchases.
Rewards are earned as cash rewards.
Benefits
Consumer benefits
- Cellular Telephone Protection
Travel benefits
- Auto Rental Collision Damage Waiver.
Welcome offer: Small cash back bonus
Annual fee: $0
Best sign-up bonus: Earn a $100 cash rewards bonus when you spend $500 in purchases in the first 3 months. Plus, unlock a nonprofit donation when you qualify for the bonus.
Learn how to apply.
This bonus is earned as cash back.
Rewards: Cash back in niche categories
The Wells Fargo Attune offers 4% cash back rewards in a long list of niche categories. The Wells Fargo marketing pages simplify this greatly, but here is the full list from their terms and conditions.
- 4% on self-care.
- Beauty and barber shops.
- Gym memberships and fitness studios.
- Health and beauty spas.
- Massage parlors.
- 4% on sports, recreation, and entertainment.
- Create and Collect categories: Artist’s Supply and Craft Shops; Camera and Photographic Supply Stores; Hobby, Toy, and Game Shops; Photofinishing Laboratories and Photo Developing; and Sewing, Needlework, Fabric and Piece Goods Stores.
- Gardening and Floral categories: Florists; Florists Supplies Nursery Stock and Flowers; and Nurseries and Lawn and Garden Supply Stores
- Other recreation and leisure categories: Aquariums, Seaquariums, Dolphinariums, and Zoos; Amusement Parks; Billiard and Pool Establishments; Bowling Alleys; Circuses, Carnivals, and Fortune Tellers; Dance Halls, Studios and Schools; Public Golf Courses; Recreation Services Not Elsewhere Classified; Sporting and Recreational Camps; Tourist Attractions and Exhibits; and Trailer Parks and Campgrounds
- Pet care categories: Pet Shops, Pet Foods, and Supplies Stores; and Other Miscellaneous Services.
- Sports and Recreational Equipment: Bicycle Shops – Sales and Service; Boat Rentals and Leasing; Marinas, Marine Service, and Supplies; Motor Home and Recreational Vehicle Rentals; Sports and Riding Apparel Stores; and Sporting Goods Stores.
- Sports and Live Entertainment Tickets: Bands, Orchestras, and Miscellaneous Entertainers; Commercial Sports, Professional Sports Clubs, Athletic Fields, and Sports Promoters; and Ticket Agencies and Theatrical Producers
- Streaming, Music, Movies, and Books: Book Stores; Cable and Other Pay Television; Digital Goods Media – Books, Movies, Digital artwork/images, Music; DVD/Video Tape Rental Stores; Large Digital Goods Merchant; Motion Picture Theaters; Music Stores – Musical Instruments, Pianos, and Sheet Music; and Record Stores.
- 4% on planet-friendly purchases.
- Antique Shops; and Used Merchandise and Secondhand Stores.
- Bus lines.
- EV Charging Stations.
- Local and Suburban Commuter Passenger Transportation, including Ferries.
- Passenger Railways.
- Other Transportation Services
- 1% on other purchases.
The cash back rewards you earn with the Attune become especially interesting if you have a card like the Wells Fargo Autograph℠ Card or Wells Fargo Autograph Journey Card that offers transferable points. You can combine your rewards across these cards, meaning that your cash back can be transferred to airline transfer partners if you move your rewards to one of these other cards.
Benefits: Limited, but decent cell phone protection
The Wells Fargo Attune card offers a very limited set of benefits, but with decent cellular phone protection, provided you carry a mid-range cell phone. Here are the details.
Consumer Benefits
- Cellular Telephone Protection gives you coverage to repair or replace your phone if it is stolen or damaged and you use your card to pay your monthly cell phone bill. The coverage on the Attune card has a $25 deductible and limits of $600 per claim and $1,200 or 2 claims per 12 month period.
Travel Benefits
- Auto Rental Collision Damage Waiver covers damage to or theft of your rental car when you decline the rental company’s loss/damage waiver insurance and rent your car with your card. Coverage is secondary to your other insurance.
Is the Wells Fargo Attune card right for you?
Ultimately, whether you spend heavily in the Wells Fargo Attune’s bonus categories will determine if the card is a good match for you.
If the answer is yes, then the Attune probably deserves a space in your wallet—alongside other cards. The card’s 1% rewards on general purchases aren’t terribly compelling, so let’s look at some cards that you might want to hold in addition to the Attune.
Complements: Cards that pair well with the Wells Fargo Attune
Most likely, you won’t want the Attune to be the only card in your wallet. Here are some thoughts on the cards you might want to have in addition to the Attune.
- For non-bonused purchases, the Attune only earns 1% cash back rewards, meaning you’ll probably want to carry a 2% cash back card. The Wells Fargo Active Cash® Card is your option if you want to stick with Wells Fargo, but there are plenty of other options out there. We particularly like the TD Double Up℠ Credit Card and Citi Double Cash® Card.
- If you want to transfer your rewards to airline and hotel partners for a chance at high-value travel redemptions, it is possible to do this with the rewards you earn on the Attune, but you’ll need to carry a Wells Fargo Autograph℠ Card or Wells Fargo Autograph Journey Card as well. Since Wells Fargo allows you to combine rewards across cards, you can transfer your Attune rewards to one of the other cards, turning them into points that can then be transferred to that other cards’ travel transfer partners.
- Extended warranty and purchase protection can provide a lot of value—getting your laptop replaced when it fails three days after its manufacturer’s warranty expires can literally save you thousands of dollars—and we’d recommend getting a card with a good extended warranty benefit for purchases of electronics and durable goods.
Bottom line: Great rewards if you spend in the card’s niche categories
There’s no doubt that the Wells Fargo Attune® Card offers market-leading cash back rewards in its bonus categories. But the categories won’t be a good fit for everyone. Check out the long list of bonus categories, and if they match up with the types of places where you spend a lot, consider adding the Attune to your wallet.
