Wells Fargo Attune
Wells Fargo and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Wells Fargo. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Wells Fargo Attune from Wells Fargo earns up to 4% effective value on travel in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Earn a $100 cash rewards bonus when you spend $500 in purchases in the first 3 months. Plus, Wells Fargo will donate $50 to Capital Link when you qualify for the $100 cash rewards bonus..
- Top category
- Travel
- Effective value
- 4%
- Annual fee
- $0
Best for travel-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in travel and can earn 4% back. The welcome bonus can help if you can meet the spend requirement.
What does the Wells Fargo Attune earn in each category?
Travel is the strongest category at 4% effective value (4% back). That travel rate ranks higher than about 99% of the 2,849 cards we track in that category. The five-category effective-rate table on this page shows how Wells Fargo Attune compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight gyms and fitness centers at 4x among.
Travel is the strongest category at 4% effective value (4% back). That travel rate ranks higher than about 99% of the 2,849 cards we track in that category. The five-category effective-rate table on this page shows how Wells Fargo Attune compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1% back | 1% |
| Grocery Supermarkets and grocery stores | 1% back | 1% |
| Gas Gas stations and fuel | 1% back | 1% |
| Travel Flights, hotels, transit | 4% back | 4% Top category |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Wells Fargo Attune reward caps and conditions?
The Wells Fargo Attune has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- Earn unlimited 4% cash rewards2 on taking public transportation
Who should get the Wells Fargo Attune?
The Wells Fargo Attune fits spenders who put meaningful volume in travel and can earn 4% back. Best for spenders who put meaningful volume in travel and can earn 4% back. The welcome bonus can help if you can meet the spend requirement.
Wells Fargo Attune fits spenders who put meaningful volume in travel and can earn 4% back. Madeen ranks its travel effective rate higher than about 99% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in travel and can earn 4% back. The welcome bonus can help if you can meet the spend requirement.
Foreign transaction fees make it weaker for international spend.
Best for travel-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is travel at about 4% effective (4% back).
- That travel rate ranks higher than about 99% of cards we track in the category.
- No annual fee in our catalog snapshot.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Charges $3 foreign transaction fees.
What is the Wells Fargo Attune welcome bonus?
In Madeen's catalog snapshot, the Wells Fargo Attune welcome offer is Earn a $100 cash rewards bonus when you spend $500 in purchases in the first 3 months. Plus, Wells Fargo will donate $50 to Capital Link when you qualify for the $100 cash rewards bonus.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
- Offer
- $100
- Terms (catalog snapshot)
- Earn a $100 cash rewards bonus when you spend $500 in purchases in the first 3 months. Plus, Wells Fargo will donate $50 to Capital Link when you qualify for the $100 cash rewards bonus.
- Minimum spend
- $500
- Window
- 3Months
Does the Wells Fargo Attune have an annual fee?
The Wells Fargo Attune has an annual fee of $0 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
What benefits come with the Wells Fargo Attune?
The Wells Fargo Attune includes Auto Rental Collision Damage Waiver, Cellular Telephone Protection, Credit Close-up® in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Lyft
$1,440/yrMore rides means more adventure. Take three rides in a month with Lyft to earn a $5 credit.3* Plus, save 10% on all scheduled rides to or from U.S. airports when you pay with your World Elite or World Legend Mastercard. Offer expires 1/31/2027.
Cellular Telephone Protection
$600/yrGet up to $600 of cell phone protection per claim against damage, theft, and unintended separation when you pay your monthly phone Bill with your Attune Card. Subject to a $25 deduction.
Mastercard Transit Benefit
$200/yrSave when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
World Elite Concierge
$150/yrComplimentary 24/7 concierge agent for lifestyle needs, travel bookings and event access.
Instacart
$140/yrGroceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+. Offer expires 1/31/2027.
Priority Pass
$99/yrGet access to 1,700+ airport lounges worldwide and special offers and discounts in the terminal on dining, retail and spa experiences.
Peacock
$36/yrGet $3 off Peacock Premium or Peacock Premium Plus each month when you use your World Elite or World Legend Mastercard to subscribe. Watch new movies from theaters, buzzworthy original series, hit TV shows, live sports and so much more. Eligibility restrictions, exclusions and terms apply. Offer expires 12/31/2027.1
Credit Close-up®
$25/yrWith Credit Close-Up® you own the skills to help understand and track your FICO® Score, raise it, or maintain it. Enroll to receive monthly FICO® Score updates and personalized credit insights. It’s complimentary to Wells Fargo Online® customers and using it won’t negatively affect your score.12 For additional information, visit wellsfargo.com/ficoscore
Mastercard Global Service™
$25/yrWherever you are, you can always count on Mastercard Global Services for any card-related need.
Auto Rental Collision Damage Waiver
$10/yrPay for rental cars using an eligible card and get reimbursed for covered damage or theft.
Mastercard ID Theft Protection
$10/yrIdentity theft hurts, but Mastercard can help – for no extra cost. From scouring the internet to see if your personal info is being sold to helping you clear your name with credit rating agencies, we are there for you 24/7. Simply visit mastercardus.idprotectiononline.com or call 1-800-Mastercard
Mastercard Travel and Lifestyle Services
$10/yrEnjoy added peace of mind and a worry-free stay. If you experience problems with your 3-star or higher rated hotel, contact a Lifestyle Manager, 24/7, who will work directly with your hotel to help resolve the issue.
Related encyclopedia topics
Common questions about the Wells Fargo Attune
Where do cardholders spend most with the Wells Fargo Attune?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on gyms and fitness centers (4x), other transportation (4x), parking (4x) for the Wells Fargo Attune. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Is the Wells Fargo Attune credit card worth it?
The Wells Fargo Attune from Wells Fargo earns up to 4% effective value on travel in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Earn a $100 cash rewards bonus when you spend $500 in purchases in the first 3 months. Plus, Wells Fargo will donate $50 to Capital Link when you qualify for the $100.
Does the Wells Fargo Attune have an annual fee?
The Wells Fargo Attune carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Wells Fargo Attune?
Travel is the strongest Madeen category for the Wells Fargo Attune at about 4% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Wells Fargo Attune charge foreign transaction fees?
The Wells Fargo Attune charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What is the Wells Fargo Attune welcome bonus?
The Wells Fargo Attune welcome offer in our snapshot: Earn a $100 cash rewards bonus when you spend $500 in purchases in the first 3 months. Plus, Wells Fargo will donate $50 to Capital Link when you qualify for the $100 cash rewards bonus.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
How does the Wells Fargo Attune compare to similar cards?
Compare the Wells Fargo Attune against Wells Fargo Autograph Journey (4% on Travel, $95 fee); Choice Privileges Select Mastercard (3% on Grocery, $95 fee); One Key (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Wells Fargo Attune This card | Travel | 4% | $0 |
| Travel | 4% | $95 | |
| Grocery | 3% | $95 | |
| Dining | 3% | $0 |
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Wells Fargo and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Wells Fargo. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure