Attune®: 4% Cashback for Wellness and Unique Lifestyle Categories
Earn unlimited 4% cash rewards on self-care, select sports & entertainment, and planet-friendly purchases, plus 1% on everything else – all with no annual fee.
The Bottom Line
4.1
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fees, welcome offers, 0% intro APR, ongoing APR, perks, benefits, and protections.
Ratings are determined solely by our research and analysis and are never influenced
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Attune® is a no-annual-fee cashback card that lets you earn 4% unlimited cash rewards in lifestyle-focused categories like self-care, select sports/entertainment, and planet-friendly purchases. You also earn 1% cash rewards on all other purchases, and there’s a straightforward welcome bonus after meeting a minimum spend. The card includes useful perks like cell phone protection, auto rental coverage, and other Mastercard benefits, plus a 0% intro APR on purchases for the first year. However, the 4% categories are fairly niche, so the card delivers the most value if your regular spending naturally matches them. If your budget aligns with these bonus areas, Attune can be a rewarding everyday card; if not, a broader flat-rate cashback card might be easier to use.
Attune®
Apply now
On Wells Fargo's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 12 months
Balance Transfers: N/A
Regular APR
18.49% - 28.49% Variable APR
Credit Score
670-850 (Good/Excellent)
Rewards Earn 4% cashback on self-care, select sports, recreation, entertainment, and eco-friendly purchases, plus 1% on all other purchases.
1% - 4% Cashback
Welcome Offer Earn a $100 bonus after spending $500 in the first 3 months.
$100
Welcome Offer
- Earn a $100 bonus after spending $500 in the first three months.
Rewards
- 4% Cashback Categories:
- Select Sports, Recreation, and Entertainment: gardening and floral stores, campgrounds, sports supplies, movie theaters, live shows and sporting events, amusement parks, tourist attractions, and pet care.
- Self-Care: gym memberships, massages, hair and nail salons.
- Planet-Friendly Purchases: public transportation, EV charging stations, and select secondhand stores.
- 1% Cashback on all other purchases.
Redemption Options
- Flexible Redemption: Redeem rewards for cash, gift cards, eligible purchases, PayPal checkout, and more.
Fees and APR
- Annual Fee: $0.
- 0% Intro APR on Purchases: For 12 months from account opening.
- Regular APR: After the introductory period, a variable APR of 18.49% - 28.49% applies to purchases and balance transfers.
- Intro Balance Transfer Fees: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made within the first 120 days.
- Regular Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
- Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.
- Late Payment: No fee if you miss a payment.
Travel Benefits
- Mastercard Travel & Lifestyle Services: Access to curated hotel and travel bookings with potential upgrades and amenities, plus a 24/7 lifestyle concierge. Includes a Lowest Hotel Rate Guarantee and Hotel Stay Guarantee when booking through the program. Purchases are billed to your card; terms apply.
Travel Protections
- Auto Rental Coverage: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card. Coverage is secondary and provides reimbursement up to $50,000.
Travel & Emergency Assistance
- Mastercard Global Service™: 24/7 worldwide assistance for lost or stolen cards, emergency card replacement, and emergency cash advances when traveling.
Purchase Protections
- Cell Phone Protection: Get up to $600 of protection against damage or theft when you pay your monthly cell phone bill with your eligible card. Coverage is subject to a $25 deductible.
Lifestyle Perks
- World Elite Concierge: 24/7 access to a personal concierge for travel planning, dining reservations, event access, special occasion coordination, reminders, and general assistance. Any goods or services arranged are charged to your card.
Shopping & Savings
- My Wells Fargo Deals: Access personalized offers from popular merchants and earn cashback as a statement credit when you activate a deal and use your eligible Wells Fargo credit card.
Additional Features
- Identity Theft Assistance: Mastercard ID Theft Protection (identity monitoring alerts and guided recovery support).
- Credit Close-Up®: A free tool that helps you monitor your credit score and receive credit alerts.
Terms and Conditions
- Click Apply Now to see the terms and conditions.
EarnSmart Rewards Strategy
- Custom Cash®: Earn 5% cashback on your top eligible spending category each billing cycle (up to the cap), helping cover groceries, dining, gas, or another major category not emphasized by Attune. 👉 Learn more about Custom Cash®.
- Freedom Unlimited®: Earn 3% cashback on dining and drugstore purchases, plus unlimited 1.5% cashback on all other purchases, making it a strong complement to Attune℠ for everyday spending. 👉 Learn more about Freedom Unlimited®.