Attune
Wells FargoNo annual feeMastercard World Elite3% foreign transaction fee
Not open to new applicants.
Already have it? Keep it.
Not open to applications
With no current offer, the first year counts no welcome bonus.
| First-year value | Amount |
|---|---|
| No current offer | $0 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$22 |
| Annual fee | $0 |
| First year | $22 |
| Each year after | +$122 |
Not counted in the first year: protections (each year after counts them).
With an Autograph Journey: $140 a year
Earning
| Rate | Category | Return |
|---|---|---|
| 4% | Sports, Recreation & Entertainment | 4% |
| 4% | Planet-Friendly Purchases | 4% |
| 4% | Self-Care | 4% |
| 1% | Everything else | 1% |
Personal card · Earns Wells Fargo Rewards
Benefits
Protections (3)
- Cellular Telephone Protection, up to $600, Up to $600 per claim, 2 claims per 12-month period ($1,200 max/year) with $25 deductible
- Auto Rental Collision Damage Waiver (secondary (US), primary (outside US)), up to $50,000, Up to $50,000 for collision damage or theft of rental vehicles. Secondary in US, primary outside US. Max 15 consecutive days (US) or 31 days (outside US). Excludes exotic/antique vehicles, vans, trucks, motorcycles.
- Mastercard ID Theft Protection, Identity theft monitoring and resolution assistance through the Mastercard ID Theft Protection program
Other Perks
- Cash rewards can be combined with Wells Fargo Autograph or Autograph Journey cards and transferred to airline/hotel partners
- Mastercard World Elite Concierge Service
- Mastercard Travel and Lifestyle Services
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to Attune CardOct 8, 2026
- changed from null to cash_backSep 30, 2026
- changed from Wells Fargo Autograph Journey Card to Wells Fargo Autograph Journey Card; Wells Fargo Autograph Card; Wells Fargo Premier Autograph Visa Infinite CardSep 16, 2026
- changed from Pair with a Wells Fargo Autograph Journey card to convert cash rewards to transferable Wells Fargo Rewards points. to Pair with a Wells Fargo Autograph, Autograph Journey, or Premier Autograph card to convert cash rewards to transferable Wells Fargo Rewards points.Sep 16, 2026
- changed from $100 Cash Rewards after $500 spend in the first 3 months to This card is no longer open for new applicantsAug 3, 2026
- changed from null to closedAug 3, 2026