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Wells Fargo Attune℠ World Elite Mastercard®

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Information about the Wells Fargo Attune℠ World Elite Mastercard® has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.
  • Rewards

    Earn 4% cash rewards on fitness and wellness; 4% cash rewards on select sports, recreation, and entertainment (including live shows and sporting events); 4% cash rewards on gardening and floral stores, as well as pet supplies, boarding and grooming; 4% cash rewards on public transit, EV charging stations, and select thrift stores. Plus earn 1% points on other purchases

  • Welcome bonus

    Earn $100 in cash rewards when you spend $500 in qualifying purchases during the first 3 months after account opening.

  • Annual fee

  • Intro APR

    0% on purchases for the first 12 months after account opening

  • Regular APR

    20.24%, 25.24%, or 29.99% variable based on your creditworthiness

  • Balance transfer fee

    Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5.

  • Foreign transaction fee

    3% of each transaction converted to U.S. dollars

  • Credit needed

  • Earns cash rewards in wellness categories not typically seen in rewards cards
  • No annual fee
  • Introductory APR on purchases

  • Foreign transaction fee
  • No introductory APR on balance transfers

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The Wells Fargo Attune World Elite Mastercard is currently offering new cardholders a welcome bonus of $100 cash rewards after spending $500 in qualifying purchases in the first three months. 

And, for a limited time, Wells Fargo will make a $50 donation for each cardholder who qualifies for the welcome bonus to Capital Link, a national nonprofit organization that creates clean energy solutions for health centers supporting local communities during power outages. New cardholders will also receive an introductory 0% APR on purchases during the first 12 months from account opening (after either 20.24%, 25.24%, or 29.99%).

The Attune earns an impressive 4% cash back on categories we rarely see with rewards cards:

  • 4% cash rewards on self-care purchases, including gym memberships, exercise classes, salons and spas
  • 4% cash rewards on select sports, recreation, and entertainment including live shows and sporting events, gardening and floral stores, pet supplies, boarding and grooming
  • 4% cash rewards on “impactful” and planet-friendly purchases like public transit, EV charging stations and select thrift stores
  • 1% on other purchases

Wells Fargo isn’t capping these rewards, so if you’re big into self-care (and own a pet), you could easily rack up plenty of rewards with these 4% categories. This is a great card to use alongside a card that has elevated bonus categories for purchases like groceries, such as the Blue Cash Everyday® Card from American Express, which earns 3% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%). Terms apply.

Blue Cash Everyday® Card from American Express

  • Rewards

    3% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%), 2% cash back at U.S. gas stations and select U.S. department stores, 1% cash back on other purchases

  • Welcome bonus

    Earn back $150 after you spend $1,000 in purchases on your new card in your first 3 months from account opening

  • Annual fee

  • Intro APR

    0% for the first 15 months on purchases, N/A for balance transfers

  • Regular APR

    13.99% to 23.99% variable

  • Balance transfer fee

  • Foreign transaction fee

  • Credit needed

See rates and fees, terms apply.

Wells Fargo Autograph Journey℠ Card

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Information about the Wells Fargo Autograph℠ Journey Visa® Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.
  • Rewards

    Earn 5X points on hotels; 4X points on airlines; 3X points on other travel; 3X points on dining. Plus earn 1X points on other purchases

  • Welcome bonus

    Earn 60,000 bonus rewards points when you spend $4,000 in purchases in the first three months.

  • Annual fee

  • Intro APR

  • Regular APR

    21.24%, 26.24%, or 29.99% variable based on your creditworthiness

  • Balance transfer fee

    Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5.

  • Foreign transaction fee

  • Credit needed

Wells Fargo Autograph℠ Card

  • Rewards

    Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases

  • Welcome bonus

    Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.

  • Annual fee

  • Intro APR

    0% intro APR for 12 months from account opening on purchases

  • Regular APR

    20.24%, 25.24% or 29.99% variable APR

  • Balance transfer fee

  • Foreign transaction fee

  • Credit needed

See rates and fees, terms apply.

When the Autograph Journey launched, Wells Fargo told CNBC Select that with the addition of transfer partners, any Wells Fargo-branded consumer cardholders would be able to convert their rewards into transferable points, so long as you have a Wells Fargo card that enables rewards transfers. This means you could earn 4% in cash rewards on purchases with the no-annual-fee Attune card and combine the cash rewards with the Autograph or Autograph Journey. Then you can transfer those points to partners. However, if you only have the Attune card, you cannot transfer rewards to travel partners.

Current Wells Fargo transfer partners include: 

  • Aer Lingus AerClub
  • Air France/KLM Flying Blue (partners with Delta)
  • Avianca LifeMiles (partners with United)
  • British Airways Executive Club (partners with American Airlines and Alaska Airlines)
  • Iberia Plus (partners with American Airlines and Alaska Airlines)
  • Choice Privileges

The conversion ratio is 1:1 for all of the programs except for Choice Privileges, which is 1:2.

Wells Fargo doesn’t limit how many cards you can have with them, but the issuer won’t approve you for the Attune card if you have opened another Wells Fargo-branded credit card in the past six months.

Wells Fargo also won’t apply introductory annual percentage rates, fees and/or rewards bonus offers if you currently have an Attune card or you opened one within the last 48 months from your application date – even if you have previously closed the old card. As this is a brand-new card, this restriction won’t apply to those getting the card for the first time, but it is something to keep in mind should you close the card and then want to reapply in the future.

The Chase Freedom Flex® also has no annual fee, and it earns 5% cash back on up to $1,500 per quarter on rotating categories, 5% cash back on travel purchased through Chase Travel℠, 3% on dining including takeout and drug stores and 1% on all other purchases. If you have the Chase Sapphire Preferred® Card or Chase Sapphire Reserve®, you can combine the rewards earned from the Flex and transfer them to 14 airline and hotel travel partners.

If you just want a single cash-back card to use for all purchases and not have to think about which card gets the most rewards at the store you’re shopping at, the Wells Fargo Active Cash® Card might be a better fit for. The Active Cash has no annual fee, and it offers unlimited 2% cash rewards on purchases.

Wells Fargo Active Cash® Card

  • Rewards

    Unlimited 2% cash rewards on purchases

  • Welcome bonus

    Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months

  • Annual fee

  • Intro APR

    0% intro APR for 15 months from account opening on purchases and qualifying balance transfers; balance transfers made within 120 days qualify for the intro rate

  • Regular APR

    20.24%, 25.24%, or 29.99% Variable APR

  • Balance transfer fee

    3% intro for 120 days from account opening then BT fee of up to 5%, min: $5

  • Foreign transaction fee

  • Credit needed

See rates and fees, terms apply.

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At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every personal finance article is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of financial productsWhile CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

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For rates and fees of the Blue Cash Everyday® Card from American Express, click here.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.





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