How to apply Wells Fargo Attune

In order to choose the right card, we always recommend our readers to do a deep research on the best products available in the market to understand what they can offer and which one better fits their needs. That is why we keep bringing options in this blog to help our readers during the challenging process of choosing not just what is ideal for them, but what they can truly benefit from. Today, we are here to talk about the Wells Fargo Attune Card, a product designed for people who want a simple and no annual fee card that combines safety and a few key benefits.

Issued by the well-known bank that carries the same name, this credit card option may be ideal for customers that are looking for a straightforward and practical option, with competitive interest rates, avoiding extra fees and running away from the complexities of the financial world. Shall we begin exploring?

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Looking for a new credit card? Here is everything you need to know about the Wells Fargo Attune. In this article we cover in detail the main features and information about this credit card, ideal for those who are looking for praticity and spending less in fees.

Getting to know the benefits

The Wells Fargo Attune Card stands out for its goal to provide both convenience and a direct option for its clients. The fact that it has no annual fee predicted promotes flexibility, as it allows more people to consider using it, because it represents a way of spending less money on fees, which can be very attractive. Other key benefits include:

• There are many cash rewards available for the users. For example, you can earn a $100 bonus when you spend $500 in purchases in the first 3 months;
• Earn unlimited 4% cash rewards on self-care; select sports, recreation, and entertainment, and on impactful purchases such as public transport, and others;
• First 12 months from account opening on purchases with a 0% intro APR;
• You will not get charged any interest on purchases if you pay your balance completely by the due date each month;
• Feel protected with the cellular telephone protection, Mastercard ID theft protection trademark and the zero liability protection.

Besides the benefits listed above, there are a few other factors you can take a look at by visiting the card’s webpage. Another thing you should be aware of is that the company donates $50 to Capital Link when you qualify for the $100 cash rewards.

What are the requirements to apply for this card?

As you can already expect, like with any other credit card, the Wells Fargo Attune also has a few requirements you need to meet in order to apply:

• You must provide a valid proof of income;
• You must have a U.S. residency and a valid Social Security number or an Individual Taxpayer Identification number;
• You must have a good credit history;
• You must be at least 18 years old.

What are the pros and the cons of choosing the Wells Fargo Attune?

Before you decide if this is really the ideal card for you, you should definitely consider the pros and the cons it brings, as listed below.

Advantages:

• As we have already mentioned, there is no annual fee to pay, which can definitely be a good reason to consider it;
• Get a 0% intro Annual Percentage Rate (APR) for 12 months;
• Zero liability protection, which means you won’t be responsibilized for any unauthorized charge;
• You can easily earn rewards by simply using your card;
• Auto rental collision damage waiver;
• Concierge Service available worldwide, and more.

Disadvantages:

• After 12 months with a 0% APR, you will be charged 19,24%, 24,24% or 29.24%;
• If you are charged interest, it will be no less than $1.00;
• Foreign transaction fee of 3% on international purchases;
• Minimum credit limit of $1,000.00.

What are the fees and the charges?

As we have already mentioned, the Wells Fargo Attune Card charges a $0 annual fee, which makes it a cost-effective option for those who are looking for ways to spend less. Besides that, there are a few other fees you should consider. For foreign transactions, a 3% fee applies. Other than that:

• Balance transfers: 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.
• Cash advances: Either $10 or 5% of the amount of each advance, whichever is greater.

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What is the bank’s background?

Founded in 1852 by Henry Wells and William G. Fargo, Wells Fargo is based in the state of California and has an expertise of more than 170 years. Over this time, it has become a well-known institution with a reliable name and clients spread all over the country. Despite our article talking about its credit card, it also works in other segments, such as wealth management; mortgages; personal, home and auto loans, among others.

What is the target audience for this credit card?

This card is focused on people over 18 years old, who are looking for a cost-effective and simple solution for their financial lives, as it provides less fees and a competitive rate, which can attract customers that are aiming to spend less money.

How can I apply for the Wells Fargo Attune?

First of all, please check the eligibility requirements you should meet, such as being 18 or over, a U.S. citizen or resident, and others;

• Make sure you have a good credit score;
• Go to the official website and click in “Apply Now”;
• Provide your personal information;
• Read the terms and conditions before submitting it;
• Wait for the decision;
• If approved, activate your card.

How can I unlock my card?

There are three possible ways to unlock your card: online, via mobile app or phone call (with the number provided with the card).

• Online: log in to your account, go to “Account Services” and “Card Settings”, and select your card to unlock;
• Mobile app: open the app, go to “Accounts”, select “Manage Card”and then “Lock and Unlock Card”;
• Phone: verify your identity and make the request to unlock your card.

However, if you prefer to do this in person, it is also possible to go to a Wells Fargo and do it with assistance.

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Customer services

To contact for more information, please look for the institution’s official channels.

• General Customer Service: 1-800-642-4720;
• Lost or Stolen Card Reporting: 1-800-869-3557;
• International Collect Calls (Outside U.S.): 1-925-825-7600;
• Website: Wells Fargo Customer Service Contact Us Numbers | Wells Fargo ;
• App: available for iOS and Android.