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Introduction

Love them or hate them, Wells Fargo is doing what they can lately to stand out for the better and push the credit card industry forward. From the Bilt Mastercard, to the recent Wells Fargo Autograph Journey card, and now The Wells Fargo Attune World Elite Mastercard (the Attune Card), Wells Fargo’s recent launches all follow a similar theme: launch cards that don’t have any clear competitors, and that really do have a unique value proposition.

Their latest card, the Attune Card, is no different, and positions itself as the “everything else” card you never knew you wanted. Let’s dive into it and you’ll see what I mean.

Welcome Offer

While the Attune Card’s welcome offer of $100 after spending $500 or more in purchases on the card in the first 3 months is nothing to get too excited about, there’s another side to it that starts to show you why they call it the Attune card: they also donate $50 to Capital Link, a nonprofit organization.

Attune, Oxford defines as “making receptive or aware,” and the Attune Card is meant to make you more receptive to yourself and the world around you. This $50 donation is the first part of that.

Careful observers would note, though, that they could have just offered $150 as a welcome offer, and let you decide if you wanted to donate the $50 and where to donate it to, which is how every other credit card welcome offer works. So while I encourage giving a large portion of your income to charity, I wouldn’t be so quick to label this a feature, and I’m tempted to call it a bug.

Multipliers

With the welcome offer aside, here’s where the Attune Card really does live up to its name. It offers 4% back on Self-care, select sports, recreation and entertainment, and impactful purchases. At face value, that may not seem like much, until you realize what they include as part of each of those categories. I’ll list them all out here, but be aware that this is a long list, and I think that’s the point of the card. They want it to offer 4% back on almost everything that other cards don’t offer anything special back for:

Self-Care:

• Beauty and Barber Shops

• Gym Memberships and Fitness Studios

• Health and Beauty Spas

• Massage Parlors

Examples include:

Beauty and Barber Shops, Health and Beauty Spas, Massage Parlors

• Booksy

• Brow Art 23

• CorePower Yoga

• European Wax Center

• Gloss Nail Bar

• Immersion Spa

• Madison Reed

• Massage Envy

• Palm Beach Tan

• Supercuts

Fitness Studios and Gym Memberships

• Black Swan Yoga

• ClassPass

• LA Fitness

• SoulCycle

• YogaWorks

Sports, Recreation, and Entertainment:

Create and Collect

Qualifying merchant categories

• Artist's Supply and Craft Shops

• Camera and Photographic Supply Stores

• Hobby, Toy, and Game Shops

• Photofinishing Laboratories and Photo Developing

• Sewing, Needlework, Fabric and Piece Goods Stores

Merchant Examples

• Cricut

• Etsy

• GoPro.com/subscription

• Joann Stores

• Lego Store

• Michaels

• Mulqueen Sewing & Fabric

• Oculus Store

• TCGPlayer

• Whatnot

Gardening and Floral

Qualifying merchant categories

• Florist

• Florists Supplies Nursery Stock and Flowers

• Nurseries and Lawn and Garden Supply Stores

Merchant Examples

Florists Supplies Nursery Stock and Flowers:

• Ava's Flowers

• Flower Shop Network

Nurseries and Lawn and Garden Supply Stores:

• Bachman's Inc

• Do My Own

• Gerten Greenhouses

Florist:

• 1-800-FLOWERS.COM

• FTD

• Johnny's Selected Seed

Other Recreation and Leisure Activities

Qualifying merchant categories

• Aquariums, Seaquariums, Dolphinariums, and Zoos

• Amusement Parks

• Billiard and Pool Establishments

• Bowling Alleys

• Circuses, Carnivals, and Fortune Tellers

• Dance Halls, Studios and Schools

• Public Golf Courses

• Recreation Services Not Elsewhere Classified

• Sporting and Recreational Camps

• Tourist Attractions and Exhibits

• Trailer Parks and Campgrounds

Merchant Examples

• Affinity Sports

• Broadway Dance Center

• Discovery Cove

• Disneyland (Tickets and Parking)

• Disneyworld (Tickets and Parking)

• Dole Plantation

• Fargo Billiards

• Flying Flags RV Resort

• Get Your Guide Operations

• Hipcamp

• Houston Zoo

• Ikon Pass

• Kennedy Space Center

• KOA

• Monterey Bay Aquarium

• Ocean Lks Family Camp

• Rockin Jump

• Round1 AM

• Salt River Tubing

• Six Flags

• Snow.com/Vail Resorts

• Soccer Shots

• Stars and Strikes

• Summit One Vanderbilt

• Summit Trampoline Park Bebellingham

• Trout Lake Camps

• Universal Orlando

• Wyoming Game and Fish Dept

Pet Care

Qualifying merchant categories

• Pet Shops, Pet Foods, and Supplies Stores

• Other Miscellaneous Services

Merchant Examples

• BarkBox

• Chewy

• Petco

• Rover

Sports and Recreational Equipment

Qualifying merchant categories

• Bicycle Shops – Sales and Service

• Boat Rentals and Leasing

• Marinas, Marine Service, and Supplies

• Motor Home and Recreational Vehicle Rentals

• Sports and Riding Apparel Stores

• Sporting Goods Stores

Merchant Examples

• Academy Sports + Outdoor

• Brand Retailers (Adidas, Asics, Nike, Under Armour)

• Cancun Adventures

• Cruise America

• Dicks Sporting Goods

• Eddie Bauer

• Peloton (membership and interactive)

• SP Lectric eBikes

Sports and Live Entertainment Tickets

Qualifying merchant categories

• Bands, Orchestras, and Miscellaneous Entertainers

• Commercial Sports, Professional Sports Clubs, Athletic Fields, and Sports Promoters

• Ticket Agencies and Theatrical Producers

Merchant Examples

• Box Offices (Daytona Intl Speedway, Dodger Stadium, Gillette Stadium, Minnesota United FC, Wells Fargo Center)

• Legoland

• Patreon

• San Francisco Opera

• StubHub

• Telecharge

• Ticketmaster

• Vivid Seat

Streaming, Music, Movies, and Books

Qualifying merchant categories

• Book Stores

• Cable and Other Pay Television

• Digital Goods Media – Books, Movies, Digital artwork/images, Music

• DVD/Video Tape Rental Stores

• Large Digital Goods Merchant

• Motion Picture Theaters

• Music Stores – Musical Instruments, Pianos, and Sheet Music

• Record Stores

Merchant Examples

• Apple (Arcade, Fitness+, Music, News+, TV+)

• Disney+

• ESPN+

• Hulu

• Netflix

• Pandora Plus

• Pandora Premium

• Peacock

• Prime Video

• Spotify Premium®

• YouTube TV

Planet-Friendly Purchases

Antique Shops, Used Merchandise and Secondhand Store

Qualifying merchant categories

• Antique Shops

• Used Merchandise and Secondhand Store

Merchant Examples

• House of Vintage

• Savers

• Value Village

Bus Lines

Qualifying merchant categories

• Bus Lines

Merchant Examples

• Greyhound

• Coach USA

EV Charging Stations

Qualifying merchant categories

• EV Charging Stations

Merchant Examples

• Blink Charging

• ChargePoint

• EVgo

• Electrify America

• SenaConnect

• Tesla and Tesla Supercharger

Local and Suburban Commuter Passenger Transportation, including Ferries

Qualifying merchant categories

• Local and Suburban Commuter Passenger Transportation, including Ferries

Merchant Examples

• Clipper (San Francisco Bay Area)

• DART Dallas

• MTA (NYC)

• NJ Transit

• RATP (Paris Transport Authority)

• SEPTA

• TfL (Transport for London)

Passenger Railways

Qualifying merchant categories

• Passenger Railways

Merchant Examples

• Amtrak

• Brightline Trains

• Eurostar

• ItaliaRail

• Taiwan High Speed Rail

Other transportation Services

Qualifying merchant categories

• Other Transportation Services

Merchant Examples

• Citi Bike NYC

• Lime

• Uber

• Zipcar

And you earn 1% back on everything else.

Benefits

Given the laundry list of 4% back categories all for no annual fee, it makes sense that the Attune Card doesn’t offer any other noteworthy benefits.

Issuer Rules

Wells Fargo does have language on the page advertising the Attune Card that “You may not qualify for an additional Wells Fargo-branded credit card if you have opened a Wells Fargo-branded credit card in the last 6 months,” so if you jumped on the Autograph Journey card when that launched a few months ago, perhaps it’s best to wait a few months before applying for the Attune Card, or risk have a hard inquiry on your credit report that you didn’t even get a new card from.

In Conclusion

The Wells Fargo Attune Card is clearly unique, but I would argue it’s a good card for more people than just the crowd that likes the Attune branding of self-care and helping the planet. For people who already have cards that offer elevated multipliers for their more common spending categories, given the sheer amount of 4% back categories, I’d venture to say this might even be a more valuable ‘everything else’ card than a standard 2% back on everything card.

The difficult part is knowing if that’s the case for you without having to memorize all of the different 4% back categories, which is why we built Pointwise, an app that looks at your spending and preferences and compares it to the benefits of almost every card that’s out there, so you can know which credit card is actually best for you.

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Editors Note: The opinions expressed in this article are solely the author's and do not reflect the views of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved, or endorsed by any of the organizations mentioned.