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Wells Fargo is out with a new cash back credit card called the Wells Fargo Attune World Elite Mastercard. This card looked marginally interesting at first glance, but the deeper I dig into it the more I think this could be a really interesting card for some categories that likely wouldn’t otherwise be bonused, like Disney World tickets, dance classes, marinas, campgrounds, tourist attractions and a lot more.
The Offer & Key Card Details
Click the name of the card below to go to our card-specific page where you can find more details and a link to apply.
| Card Offer and Details |
|---|
$100 Cash Back ⓘ Non-Affiliate $100 after $500 spend in first 3 months.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: This could be a good fit for those who spend a lot in the card's 4X categories. Earning rate: 4X self-care (gym memberships, at spas / massage parlors, and barber shops / salons) ✦ 4X sports, recreation, and entertainment ✦ 4X "planet-friendly purchases" like EV charging stations, riding public transportation, and purchasing select second hand and vintage ✦ 1X everywhere else Base: 1% Other: 4% Card Info: Mastercard World Elite issued by Wells. This card imposes foreign transaction fees. Noteworthy perks: Cellular Telephone Protection |
Quick Thoughts
At first glance, I thought this card looked like a bit of a snoozer. It features a small welcome bonus that won’t draw in those chasing big rewards for intro spend and the headline spending bonus category is “4% back on self-care”, calling out “gym, fitness and wellness purchases” for that category. That’s nice for folks with a pricey gym membership, but it didn’t seem very broad.
Then there’s 4% back on “Sports, Recreation, and Entertainment” and 4% back on “Impactful Purchases”, which seemed clear as mud to me.
However, when I dug into the mud a bit, I found that self-care and This carThis sports, recreation, and entertainment encompass a huge range of qualifying types of purchases. If you have or lease a boat, pay marina fees, pay for dance school/studio lessons, park a trailer at a campground, go to Disney parks, or spend money on apparel from “fitness” brands, you can probably earn 4% back with this card.
Here are just some of the categories and/or example purchases Wells Fargo has on the card page that fit into either self-care or sports/rec/entertainment:
- Toy stores
- Etsy
- Disneyland / Disneyworld tickets and parking
- Trailer Parks and Campgrounds
- Tourist Attractions and Exhibit (they give examples like Summit One Vanderbilt, the Houston Zoo, and Kennedy Space Center)
- Public Golf Courses
- Dance Halls, Studios and Schools
- Get Your Guide operations (which makes me think Viator might also work?)
- Pet Care
- Bicycle Shops
- Sporting Goods stores (they list Eddie Bauer as an example!)
- Brand Retailers (Adidas, Asics, Nike, Under Armour)
- Marinas, Marine Service, and Supplies
- Boat Rentals and Leasing
- Motor Home and Recreational Vehicle Rentals
- Ticketmaster (and likely other similar sites)
- Patreon
- Barber shops / salons
- Spas / massage parlors
The above is not an exhaustive list. I was really surprised at the range of purchase types included. And the list of examples they give leaves me with some lingering questions. For instance, they list “Public Golf Courses” under examples of sports and recreation, but I wonder if membership fees at some private golf clubs may also code for 4% back (to be clear, the card details don’t suggest that they would, but I wonder if it’s a situation where it’ll vary based on the MCC of your club).
What really surprises me here is that there are quite a few categories here that might be big spend categories for some folks that otherwise go unbonused. Things like Marina fees, boat rental / leasing, and dance schools could conceivably be large spend categories for some folks. I originally mentally dismissed gym memberships, but those can also become fairly pricey — and for the right person, I could see this card offering 4% back on a number of types of purchases that otherwise go on an “everywhere else” card.
I also find it interesting to see the range of examples they give for things like tourist attractions — I could see this being a good card to use for domestic trips to pay entrance fees at a range of common tourist attractions. Just be sure not to use it outside of the US since it has a foreign transaction fee — and keep in mind that anything that doesn’t code at 4% will only earn 1% back, which is a very poor return on spend.
The Wells Fargo Attune card won’t be a great fit for me. I don’t have a gym membership or a boat and I don’t tend to spend much on spas or at salons, etc. However, I could easily imagine this being a nice complement to the right wallet.
UPDATE: Here’s the full list of 4% categories:
- Self Care
- Beauty and Barber Shops
- Gym Memberships and Fitness Studios
- Health and Beauty Spas
- Massage Parlors
- Sports, Recreation, and Entertainment
- Create and Collect
- 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
- Gardening and Floral
- Florist
- Florists Supplies Nursery Stock and Flowers
- Nurseries and Lawn and Garden Supply Stores
- Other Recreation and Leisure Activities
- 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
- Pet Care
- Pet Shops, Pet Foods, and Supplies Stores
- Other Miscellaneous Services
- Sports and Recreational Equipment
- 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
- Sports and Live Entertainment Tickets
- Bands, Orchestras, and Miscellaneous Entertainers
- Commercial Sports, Professional Sports Clubs, Athletic Fields, and Sports Promoters
- Ticket Agencies and Theatrical Producers
- Streaming, Music, Movies, and Books
- 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
- Create and Collect
- Planet-Friendly Purchases
- Antique Shops
- Used Merchandise and Secondhand Store
- Bus Lines
- EV Charging Stations
- Local and Suburban Commuter Passenger Transportation, including Ferries
- Passenger Railways (Amtrak, Brightline, etc.)
- Other Transportation Services (Citi Bike, Lime, Uber, Zipcar, etc.)
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[…] afternoon everyone, I hope your week is going well. I was reading Frequent Miler’s post about the New Wells Fargo Attune card offers 4% back on Disney tickets, … and that got me thinking about the bonus categories on my 3 Citi Custom Cash Credit Cards (product […]
This card could be a huge sleeper card for small businesses in those niche categories (aside from utilization). Imagine if your supplier matches an eligible MCC code!
I imagine many women (and some men) spend a substantial amount on hair, spa, nails, facials, misc treatments, massage, etc…along with spending on clothes, shoes, and pet care that might also be included, this could work out to quite a useful card!
Nah, every spa let’s you book online for BofA CCR online shopping
This would be great if it was 4X points instead of cash back. If this worked for my country club membership it would be a must get I think since I now use the Venture to pay dues and get 2X
If you have a WF Autography/Autograph Journey, DP’s indicate that this card would essentially be 4x, because you could transfer them over to your transferable points card, basically the same as moving pts from a Chase Freedom card to CSP/CSR. I think the difficult thing on this card is not knowing what the MCC will code as, so trial purchases would be important before putting a big purchase on this card.
I pay north of $500 monthly at my gym for personal training. I’ll probably go for this one over the Custom Cash.
Someone who is purchasing enough Disney tickets to warrant a look at this card would still be better served by either purchasing from a reputable discount ticket broker like Undercover Tourist (which codes as travel) on a card that bonuses travel spend, or purchasing Disney tickets using Disney gift cards procured via one of the following methods:
-office supply store with Chase Ink Cash
-Target with Target REDcard
-grocery store with AmEx Blue Cash Preferred or AmEx Gold Card
Undercover Tourist is more expensive than Disney for 2 day tickets. It is with 3 day and higher tickets that they save money over buying directly from Disney.
An interesting attempt to further sweeten the WF ecosystem. As a no-annual fee card with some quirky features, it reminds me a bit of Citi’s Rewards+ card.
I’d generally recommend the Autograph Journey card before this for its great travel coverage. But after that, and a flat 2% Active Cash® or (even better) Business Signify card for non-preferred spend, this card would be a nice complement for some.
I’d say reminds me discontinued Citi Forward
So if you have an Autograph or Autograph Journey, would this potentially be 4 transferrable points per dollar spent?
Yes.
No hobby blogger has published definite answers regarding the new WF ecosystem (as a whole). The rewards of which WF cards will transfer to the Autograph / Journey?
There are a tons of reports saying all WF cards’ rewards are transferrable to any other WF card.