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This New Wells Fargo Card Has Some 4% Cash Rewards Categories We’ve Never Seen Before

The card offers an impressive rewards rate across a wide variety of categories. But it doesn't cover everything.

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The new Wells Fargo Attune℠ Card* offers widespread rewards, including some purchase categories not typically found on credit cards. Its cash-rewards rate is also one of the highest you’ll find on a card without an annual fee.

Everyone needs a good self-care day, but that can different from person to person. The Attune lets you earn 4% back in cash rewards on spas and massage places but also on a variety of hobby and entertainment options. The card also lets you earn the elevated cash reward rate on a wide variety of other categories, including earth-friendly purchases and even pet supplies.

Here’s what you need to know about this rewarding card, including what it’s missing.

An impressive reward program

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Wells Fargo Attune℠ Card
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Wells Fargo Attune℠ Card

8.3/10 CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Intro Offer
$100 cash rewards Earn a $100 cash rewards bonus when you spend $500 in purchases in the first 3 months
Annual fee
$0
APR
20.24%, 25.24%, or 29.99% Variable APR
Rewards rate
1% – 4% Unlimited 4% cash rewards on gym memberships, salons and spas, select sports, recreation, entertainment, public transit, electric vehicle charging, and select thrift stores.; 1% cash rewards on other purchases.
Rewards Rate
4%
Unlimited 4% cash rewards on gym memberships, salons and spas, select sports, recreation, entertainment, public transit, electric vehicle charging, and select thrift stores.
1%
1% cash rewards on other purchases.

The Wells Fargo Attune card lets you earn 4% back in cash rewards. Most cards that don’t charge an annual fee cap out at 3% (except for those with rotating rewards -- looking at you, Chase Freedom Flex℠*).

The sheer breadth of categories the Attune covers is impressive. It seems like it’s destined to be paired with other credit cards to ensure all of your purchase types are covered. Use this with a travel card, a grocery card and a flat-rate rewards card, and you’ll be able to earn rewards on almost any purchase.

Here are just a few ways you can earn 4% back in cash rewards with the Attune card:

Green rewards

If you own an EV, you’re in luck. This card could be the most rewarding option to reach for at the charging station. But that’s not where the sustainable rewards end. 

You’ll also be able to earn the card’s impressive cash rewards rate for public transport options like bus lines and passenger rails, as well as Uber, Citi Bike and Lime. You can also earn on purchases at antique stores and thrift shops. And as a fun detail, the card is made with recycled plastic.

Entertainment rewards

The Attune card can also reward you for your hobbies and entertainment needs. It covers streaming services, bookstores, game stores, bike shops, hobby stores, record and music stores, concert and orchestra tickets, amusement parks, and even recreational vehicle rentals. If your hobby falls into one of these categories, why not earn some rewards for the things you love?

Pet rewards

A rare and, I assume, much-loved category included with the Attune card is pet stores. If you order your pet supplies from Chewy or outsource your dog walking to Rover, this card can reward you for the expense.

Other features

The Attune is a very focused rewards card, meaning it doesn’t offer many special travel perks and it doesn’t come with an introductory balance transfer offer. However, there are a few other notable benefits:

  • You can earn the welcome bonus fairly easily. The Attune offers a very simple $100 cash rewards bonus when you spend $500 in purchases in the first three months. For pet owners or those with expensive hobbies, this threshold will probably be very easy to reach.
  • You can finance your purchases for 12 months. The Attune features an introductory 0% purchase APR for 12 months from account opening (then 20.24%, 25.24%, or 29.99% variable). That means your purchases won’t accrue interest during that time.
  • You can protect your phone. The Attune comes with cell phone protection, so long as you pay your monthly phone bill with the card. Your phone will be covered against damage and theft for up to $600 per claim with a $25 deductible.

While the rewards and few perks it offers are good, you’ll likely want to pair it with another card if you want other benefits and perks.

Cards you could pair with the Wells Fargo Attune

Since the Attune doesn’t charge an annual fee, it’s easy enough to pair with other cards. And while its rewards are expansive, they don’t cover everything you might need -- namely, essential purchases and travel. With that in mind, here are a few pairings to consider.

  • The Blue Cash Preferred® Card from American Express and Chase Sapphire Preferred® Card: The Blue Cash Preferred earns possibly the highest cash back rate at U.S. supermarkets. It also covers purchases made at U.S. gas stations. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. The Chase Sapphire Preferred is one of the best cards you could choose for travel, primarily due to its great rewards program. It charges a $95 annual fee, but in return, you can access a 1:1 point transfer rate to Chase’s transfer partners. The Sapphire Preferred also comes with an annual $50 hotel credit for hotels booked through Chase Travel℠.
  • Wells Fargo Autograph Journey℠ Card* and Prime Visa: The Wells Fargo Autograph Journey provides great travel rewards with a $95 annual fee. The Prime Visa requires an Amazon Prime membership but offers rewards on everything Amazon, including Whole Foods and Amazon Fresh delivery.
  • The Capital One Venture Rewards Credit Card* and Blue Cash Everyday® Card from American Express: The Capital One Venture Rewards card is a general travel card with a $95 annual fee that also provides an application fee credit for TSA PreCheck or Global Entry. The Blue Cash Everyday doesn’t charge an annual fee and earns rewards at U.S. gas stations, U.S. supermarkets and with select U.S. online retailers.

These cards can also be used interchangeably with each other if you like one more than the other.

Tip

Consider adding another no-annual-fee card that earns a flat rate regardless of how you use it, like the Wells Fargo Active Cash® Card or Citi Double Cash® Card.

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Chase Sapphire Preferred® Card
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Chase Sapphire Preferred® Card

8.6/10 CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Intro Offer
60,000 bonus points Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.
Annual fee
$95
APR
21.49% – 28.49% Variable
Intro Purchase APR
N/A
Rewards rate
1x – 5x 5x on travel purchased through Chase Travel℠.; 3x on dining, select streaming services and online groceries.; 2x on all other travel purchases.; 1x on all other purchases.
Blue Cash Preferred® Card from American Express
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Blue Cash Preferred® Card from American Express

8.1/10 CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
See Rates & Fees Terms apply
Intro Offer
Earn $250 Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
Annual fee
$0 intro annual fee for the first year, then $95.
APR
19.24% – 29.99% Variable
Intro Purchase APR
0% on purchases for 12 months
Rewards rate
1% – 6% 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 6% Cash Back on select U.S. streaming subscriptions; 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more; 3% Cash Back at U.S. gas stations; 1% Cash Back on other purchases
Wells Fargo Autograph Journey℠ Card
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Wells Fargo Autograph Journey℠ Card

7.4/10 CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Intro Offer
60,000 bonus points Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
Annual fee
$95
APR
21.24%, 26.24%, or 29.99% Variable APR
Intro Purchase APR
N/A
Rewards rate
1x – 5x 5X points on hotels; 4X points on airlines; 3X points on other travel and restaurants; 1X points on other purchases

The bottom line

The Wells Fargo Attune’s bonus categories cover purchases rarely seen on credit cards, including pet supplies and thrift stores. And because it doesn’t charge an annual fee, the card is easily pairable with other cards that offer more benefits or perks.

 

However, if you pair it with cards that cover travel or essential purchases, make sure you can keep up with multiple payments. A missed credit card payment can be a costly mistake, and any purchases you aren’t able to pay off right away will accrue interest charges that could wipe away any reward value.

 

More cards mean more balances to track and payments to manage. Tools like payment alerts and autopay can help you track purchases and avoid missed payments, but if you’re unsure you’ll be able to keep up with everything, this is still a fine card to use on its own.

*All information about the Wells Fargo Attune℠ Card, the Chase Freedom Flex℠, the Wells Fargo Autograph Journey℠ Card and the Capital One Venture Rewards Credit Card has been collected independently by CNET and has not been reviewed by the issuer.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

Evan Zimmer has been writing about finance for years. After graduating with a journalism degree from SUNY Oswego, he wrote credit card content for Credit Card Insider (now Money Tips) before moving to ZDNET Finance to cover credit card, banking and blockchain news. He currently works with CNET Money to bring readers the most accurate and up-to-date financial information. Otherwise, you can find him reading, rock climbing, snowboarding and enjoying the outdoors.
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