Cash back · Mastercard · No annual fee
Last verified 2026-09-09. Review issuer source
Wells Fargo Attune is a no-annual-fee cash back card from Wells Fargo. Its best everyday rates are 4% on fitness clubs, 4% on health & wellness, and 4% on live entertainment; everything else earns 1%.
On our reference budget of $24,600 a year it returns about $372, an effective 1.5% back. The welcome bonus, $100 after $500 in 3 months, adds to the first year's return.
Put the bonus categories on it and everything else on a flat 2% card. On its own the base rate drags the average down. It charges 3% on foreign purchases, so leave it home when you travel abroad.
Earn unlimited 4% cash rewards on self-care: restoring at a spa or lifting at the gym, fitness and wellness purchases are now more rewarding
Earn unlimited 4% cash rewards on self-care: restoring at a spa or lifting at the gym, fitness and wellness purchases are now more rewarding
Earn unlimited 4% cash rewards on select sports, recreation, and entertainment: singing along at a live event or seeing the latest movie
Earn unlimited 4% cash rewards on select sports, recreation, and entertainment: singing along at a live event or seeing the latest movie
Earn unlimited 4% cash rewards2 on taking public transportation
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.
Pay for rental cars using an eligible card and get reimbursed for covered damage or theft.
Get 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.
With 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. For additional information, visit wellsfargo.com/ficoscore.
Wherever you are, you can always count on Mastercard Global Services for any card-related need.
Identity 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.
Enjoy 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.
Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It’s an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
Built-in protection features ensure that you won't be held responsible for unauthorized transactions, as long as they're reported promptly.
These come from Mastercard, not from Wells Fargo. Every card on the World Elite Mastercard tier carries them, so they should not decide between two cards.
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
Enroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Groceries 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.
More 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.
Get exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
Mastercard gives you exclusive access to premium preferred seats and ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Save 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.
Get $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.
Enjoy experiences in culture, dining, sports, entertainment and more in over 45 exciting destinations around the globe.
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Complimentary 24/7 concierge agent for lifestyle needs, travel bookings and event access.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Wells Fargo AttuneThis card · 4% on fitness clubs | None | $372 | +$372 | 465th of 1,291 |
| Wells Fargo Active Cash®Wells Fargo's most-held other card · 2% on everything | None | $492 | +$492 | 284th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
