Wells Fargo Attune Credit Card Review

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Full review

Wells Fargo Attune Credit Card

Up to 4% cash back, with plenty of niche categories covered!

  • Welcome bonus: $100 (Spend $500 in 3 months)
  • Rewards: 4% on spas, gyms, entertainment, sports, EV charging, and transit; 1% on all other purchases
  • Redemption: Cash back
  • Annual fee: $0
  • Apply now>>

In addition, if you apply for this card between June 5, 2024, and May 31, 2025, are approved, and meet the spending requirement for the welcome bonus, Wells Fargo will also donate $50 to Capital Link to support Federally Qualified Health Centers and clean energy resiliency programs.

Additionally, for applications submitted between June 5, 2024, and May 31, 2025, and subsequently approved, Wells Fargo will donate $50 to Capital Link when you qualify for the $100 bonus cash rewards. Wells Fargo will donate a minimum of $250,000 to Capital Link to support Federally Qualified Health Centers and clean energy resiliency programs designed to ensure continuity of medical services for patients during and after extreme weather events.

Benefits

  • Built-in Cell Phone Protection: If you pay your monthly cell phone bill with this card, you can get up to $600 in coverage if your phone is damaged or stolen (with a $25 deductible). See also: Guide to Credit Card Cell Phone Protection
  • Free FICO Score: Provides your Experian FICO credit score every month. See also: Which Free Credit Score Is Best?
  • 0% APR for 12 Months: For the first 12 months after account opening, purchases and balance transfers have no interest. See also: Guide to 0% APR Offers
  • No Late Fee: Most banks charge around $30, so it’s nice that this one waives it.

My Take

For a no-annual-fee card, these 4% cash back categories are pretty interesting. It focuses on the cardholder’s own transportation, entertainment, fitness, and wellness spending, which can nicely fill gaps left by other cards. If you don’t have many other cards to apply for, this could be a decent one to add as a complementary card.

How to Apply

Wells Fargo Credit Card Application Guide

  • Application status check link. Or call: (800) 967-9521
  • If you applied for one of their cards within the past 6 months, you will not be approved for a new personal card. For Hotles cards, the restriction is 15 months. For business cards, the restriction is 12 months.
  • Wells Fargo credit cards appear to have an unknown limit on the total number of cards you can hold. You may need an SSN, and you may need to be a U.S. citizen or green card holder to apply.
  • You can call the reconsideration line at 866-412-5956 to speed up credit card approval or request a review of a denied application.
  • Having a Checking account may help with getting approved for a credit card.
  • More about applying for Wells Fargo credit cards

Application Link