Wells Fargo Attune World Elite Mastercard

Wells Fargo Attune World Elite Mastercard, as filed by Wells Fargo Bank, carries a 11.74% purchase APR and no annual fee. Against the 4,587 filings on this site, that rate lands around the 7th percentile.

What the agreement puts on the record

This page covers the agreement Wells Fargo Bank filed for Wells Fargo Attune World Elite Mastercard. The filing runs 22 pages, and It is issued on the Mastercard network.

On the record here: a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. It is silent on a penalty rate.

Pricing the purchase rate

Ranked against the corpus, this purchase APR — 11.74% — sits at approximately the 7th percentile and is comfortably below what most issuers filed.

The filing marks this rate as variable, which means it moves with the index the agreement names rather than staying where it is quoted today.

What the rate means in dollars

A $2,500 balance left untouched for twelve months accrues about $311 in interest at this purchase rate.

The corpus median purchase rate is 21.99%, which on the same $2,500 would cost about $615 a year. This filing saves roughly $303 annually against that benchmark.

Small balances do not get a proportionally small bill — the agreement imposes a $1 minimum interest charge in any month where interest applies.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

What the card costs before you borrow

There is no annual fee. That is the common case in this corpus — about 75% of the filings that disclose an annual fee at all disclose it as $0 — so it is a baseline expectation rather than a distinguishing feature.

Taking cash against the card means a cash advance fee of $10 or 5% of the advance, whichever is greater and a cash advance APR of 22.74%. The premium over purchases is 11 percentage points. The two halves of that fee cross at about $200: below it the flat $10 applies, above it the percentage does. Cash advances also tend to fall outside any grace period, which means interest typically starts on day one rather than at the end of a billing cycle.

The transfer fee is 28.49% of the amount transferred; transferred balances then run at 22.74%. Shifting $5,000 across attracts something like $1,425 in fees on day one.

Spending abroad costs an extra 3% — about $150 on $5,000 of purchases, independent of interest.

That is at the high end of this corpus — around the 91st percentile of disclosed foreign transaction fees.

The downside terms

The maximum late fee is $0 — roughly the 2nd percentile of the late fee ceilings disclosed across this index.

The grace period

25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. That matches the 25-day median across the corpus almost exactly.

The $1 minimum interest charge means the effective cost of carrying a very small balance is far higher than the quoted APR implies.

The issuer's other agreements

Wells Fargo Bank has 28 agreements indexed on this site. Their disclosed purchase rates run from 9.74% to 28.99%, and this one at 11.74% is more expensive than 1 of them.

What is outside the disclosure

This page cannot tell you penalty pricing, because the filing's disclosure table as read does not contain it.

It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.

Go to the source

Everything here is a reading of the filed agreement, 22 pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

11.74% places this filing at the inexpensive end of the set, which is the headline here. Because there is no annual fee, everything depends on the revolving behaviour: used as a payment instrument and cleared monthly, this agreement costs nothing.