Wells Fargo Attune
Wells Fargo · Visa · no annual fee · earns cash back.
Rates checked against the issuer 2026-09. Foreign transaction fee: not recorded here.
The short version
- Best at: sporting goods (#1, $4.00 per $100); beauty and cosmetics (#1, $4.00 per $100); entertainment (#1, $4.00 per $100).
- A year's rewards: about $283, with no fee to pay.
Is the annual fee worth it?
No annual fee, so everything it earns is kept: about $283 a year on the illustrative household's spending, which puts it number 35 of 38 the no-fee cards in the catalogue. All of them, ranked.
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What it earns, category by category
| Earns on | Rate | Conditions |
|---|---|---|
| Gyms & Fitness, Beauty | 4% | Self-care — gyms, exercise classes, salons and spas |
| Entertainment, Sporting Goods | 4% | Sports, recreation and entertainment |
| Public Transit, EV Charging | 4% | Planet-friendly spending — public transit, EV charging and select thrift stores |
| Everything else | 1% |
Where it ranks
Against every card in the catalogue, scored in dollars per $100 with no rotating categories switched on:
- #1 of 68 for sporting goods — $4.00 per $100
- #1 of 68 for beauty and cosmetics — $4.00 per $100
- #1 of 68 for entertainment — $4.00 per $100
- #1 of 68 for gym memberships — $4.00 per $100
- #3 of 68 for EV charging — $4.00 per $100
Where a year's rewards come from
| Spending on | Earns a year |
|---|---|
| Groceries | $60 |
| Everything Else | $60 |
| Restaurants & Bars | $36 |
| Entertainment | $24 |
| Gas Stations | $18 |
| Online Shopping | $18 |
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What the issuer lists besides rewards
- The only card here that pays a bonus on gyms, salons or EV charging
- Closed to new applicants since June 2026 — existing holders keep earning
Similar cards
- Wells Fargo Active Cash — annual fee none
- U.S. Bank Altitude Go — annual fee none
- Goldman Sachs Apple Card — annual fee none
- American Express Blue Cash Everyday — annual fee none
- Every cash back card, ranked
- The best two- and three-card combinations
Point values: published industry valuations. How every number here is worked out.
Carry this card?
Cardful tells you at the checkout whether it is the right one to use, store by store.