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The Wells Fargo Attune℠ World Elite Mastercard® is a brand-new cash rewards card that offers up to 4% back on bonus spending categories that we don't typically see on competitor credit cards.
The 4% cash rewards back puts the Attune near the top of the pack when it comes to no-annual-fee cash-back credit cards. Here's what you need to know about the card's benefits and how to qualify for the welcome bonus.
Wells Fargo Attune℠ World Elite Mastercard®
Rewards
Earn 4% cash rewards on fitness and wellness; 4% cash rewards on select sports, recreation, and entertainment (including live shows and sporting events); 4% cash rewards on gardening and floral stores, as well as pet supplies, boarding and grooming; 4% cash rewards on public transit, EV charging stations, and select thrift stores. Plus earn 1% cash rewards on other purchases
Welcome bonus
Earn $100 in cash rewards when you spend $500 in qualifying purchases during the first 3 months after account opening.
Annual fee
$0
Intro APR
0% on purchases for the first 12 months after account opening
Regular APR
18.49%, 24.49%, or 28.49% variable based on your creditworthiness
Balance transfer fee
Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5.
Foreign transaction fee
3% of each transaction converted to U.S. dollars
Credit needed
Excellent/Good
Terms apply
Pros
- Earns bonus rewards in categories not typically seen in rewards cards
- No annual fee
- Introductory APR on purchases
Cons
- Foreign transaction fee
- No introductory APR on balance transfers
Wells Fargo Attune World Elite Mastercard details
The Wells Fargo Attune World Elite Mastercard is currently offering new cardholders a welcome bonus of $100 cash rewards after spending $500 in qualifying purchases in the first three months.
And, for a limited time, Wells Fargo will make a $50 donation for each cardholder who qualifies for the welcome bonus to Capital Link, a national nonprofit organization that creates clean energy solutions for health centers supporting local communities during power outages. New cardholders will also receive an introductory 0% APR on purchases during the first 12 months from account opening (after either 18.49%, 24.49%, or 28.49% variable APR).
The Attune earns an impressive 4% cash back on categories we rarely see with rewards cards:
- 4% cash rewards on self-care purchases, including gym memberships, exercise classes, salons and spas
- 4% cash rewards on select sports, recreation, and entertainment including live shows and sporting events, gardening and floral stores, pet supplies, boarding and grooming
- 4% cash rewards on "impactful" and planet-friendly purchases like public transit, EV charging stations and select thrift stores
- 1% on other purchases
Wells Fargo isn't capping these rewards, so if you're big into self-care (and own a pet), you could easily rack up plenty of rewards with these 4% categories. This is a great card to use alongside a card that has elevated bonus categories for purchases like groceries, such as the Blue Cash Everyday® Card from American Express, which earns 3% cash back at U.S. supermarkets (up to $6,000 per year in eligible purchases, then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. Terms apply.
The Blue Cash Everyday® Card from American Express has no annual fee and you may be eligible for bonus rewards on a wide range of common expenditures.
- Up to $264 in streaming service and meal kit credits every year (subject to auto renewal)
- High cash-back rates in popular spending categories
- No annual fee
- The best bonus cash-back categories are capped
- Has a foreign transaction fee
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
- No Annual Fee.
- Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
- Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don't have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you'll still earn rewards on purchases the way you usually do.
- Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
- Terms Apply.
- See Rates & Fees
Balance transfer fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
Foreign transaction fee
2.7% of each transaction after conversion to US dollars
Even better, you may be able to convert your cash rewards from the Attune into transferable travel points — if you have either the $95-annual-fee Wells Fargo Autograph Journey℠ Card or the no-annual-fee Wells Fargo Autograph® Card.
The Wells Fargo Autograph Journey℠ Card offers generous rewards on travel and dining purchases, along with flexible redemption options, all for a modest annual fee.
- Excellent rewards rate for hotel, airfare and travel
- Strong welcome bonus
- Access to all of the Wells Fargo transfer partners including Flying Blue (Air France/KLM) and Virgin Red
- Easy-to-use airline credit; Built-in cell phone protection
- Fewer transfer partners than comparable programs
- No intro APR offer
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Select Learn More to take advantage of this offer and learn more about product features, terms and conditions.
- Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that's $600 toward your next trip.
- Earn unlimited 5X points with hotels, 4X points with airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
- $95 annual fee.
- Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
- Earn a $50 annual statement credit with $50 minimum airline purchase.
- Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Balance Transfer Fee
3% intro for 120 days from account opening, then up to 5%, min: $5
Foreign transaction fee
None
The Wells Fargo Autograph® Card offers generous bonus spending categories and lets you transfer points to airline and hotel partners, which is rare for a credit card with no annual fee.
- Access to all of the Wells Fargo transfer partners including Flying Blue (Air France/KLM) and Virgin Red
- No annual fee
- Excellent bonus spending categories
- Intro-APR for purchases
- No travel credits or other valuable travel perks
- Lacks key travel protections such as trip delay reimbursement and trip cancellation/interruption coverage
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
- Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
- $0 annual fee.
- 0% intro APR for 12 months from account opening on purchases. 18.49%, 24.49%, or 28.49% variable APR thereafter.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Balance transfer fee
3% intro for 120 days from account opening, then up to 5%, min: $5
Foreign transaction fee
None
When the Autograph Journey launched, Wells Fargo told CNBC Select that with the addition of transfer partners, any Wells Fargo-branded consumer cardholders would be able to convert their rewards into transferable points, so long as you have a Wells Fargo card that enables rewards transfers. This means you could earn 4% in cash rewards on purchases with the no-annual-fee Attune card and combine the cash rewards with the Autograph or Autograph Journey. Then you can transfer those points to partners. However, if you only have the Attune card, you cannot transfer rewards to travel partners.
Current Wells Fargo transfer partners include:
- Aer Lingus AerClub
- Air France/KLM Flying Blue (partners with Delta)
- Avianca LifeMiles (partners with United)
- British Airways Executive Club (partners with American Airlines and Alaska Airlines)
- Iberia Plus (partners with American Airlines and Alaska Airlines)
- Choice Privileges
The conversion ratio is 1:1 for all of the programs except for Choice Privileges, which is 1:2.
Attune card benefits
As a no-annual-fee card, the Attune doesn't have as many credit card insurance benefits or perks that are typically found on more premium cards. It does include auto rental collision damage waiver (secondary coverage for rentals in the U.S.) and cell phone insurance
However, this is not a card you'll want to use outside the United States as it has a 3% foreign transaction fee. For your international travels, look for a card with no foreign transaction fees.
How to qualify for the Attune
Wells Fargo doesn't limit how many cards you can have with them, but the issuer won't approve you for the Attune card if you have opened another Wells Fargo-branded credit card in the past six months.
Wells Fargo also won't apply introductory annual percentage rates, fees and/or rewards bonus offers if you currently have an Attune card or you opened one within the last 48 months from your application date – even if you have previously closed the old card. As this is a brand-new card, this restriction won't apply to those getting the card for the first time, but it is something to keep in mind should you close the card and then want to reapply in the future.
Alternatives to the Attune
The Chase Freedom Flex® also has no annual fee, and it earns 5% cash back on up to $1,500 per quarter on rotating categories, 5% cash back on travel purchased through Chase Travel℠, 3% on dining including takeout and drug stores and 1% on all other purchases. If you have the Chase Sapphire Preferred® Card (see rates and fees) or Chase Sapphire Reserve® (see rates and fees), you can combine the rewards earned from the Flex and transfer them to 14 airline and hotel travel partners.
If you just want a single cash-back card to use for all purchases and not have to think about which card gets the most rewards at the store you're shopping at, the Wells Fargo Active Cash® Card might be a better fit for. The Active Cash has no annual fee, and it offers unlimited 2% cash rewards on purchases.
The Wells Fargo Active Cash® Card is great if you want simplicity thanks to its flat-rate 2% unlimited cash rewards on purchases and $0 annual fee.
- High flat-rate return on purchases
- Intro-APR for purchases and qualifying balance transfers for a year
- No annual fee
- Cell phone protection
- Has a foreign transaction fee
- Limited redemption options unless you pair it with a Wells Fargo card that allows point transfers
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.49%, 24.49%, or 28.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don't expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Balance Transfer Fee
3% intro for 120 days from account opening, then up to 5%, min: $5
Foreign Transaction Fee
3%
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For rates and fees of the Blue Cash Everyday® Card from American Express, click here.
Information about the Chase Freedom Flex® has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.
