Wells Fargo Attune vs Choice Privileges Select Mastercard
Both are Wells Fargo cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- Attune 1.0% 1% base rate
- Choice Privileges Select Mastercard 0.9% 1x base rate
Groceries
- Choice Privileges Select Mastercard 4.3% 5x
- Attune 1.0% 1% base rate
Gas
- Choice Privileges Select Mastercard 4.3% 5x
- Attune 1.0% 1% base rate
Streaming
- Attune 4.0% 4%
- Choice Privileges Select Mastercard 0.9% 1x base rate
Phone & internet
- Choice Privileges Select Mastercard 4.3% 5x
- Attune 1.0% 1% base rate
Sporting goods
- Attune 4.0% 4%
- Choice Privileges Select Mastercard 0.9% 1x base rate
Home improvement
- Choice Privileges Select Mastercard 4.3% 5x
- Attune 1.0% 1% base rate
Gyms
- Attune 4.0% 4%
- Choice Privileges Select Mastercard 0.9% 1x base rate
Campgrounds
- Attune 4.0% 4%
- Choice Privileges Select Mastercard 0.9% 1x base rate
Attractions
- Attune 4.0% 4%
- Choice Privileges Select Mastercard 0.9% 1x base rate
Public transit
- Attune 4.0% 4%
- Choice Privileges Select Mastercard 0.9% 1x base rate
Live events
- Attune 4.0% 4%
- Choice Privileges Select Mastercard 0.9% 1x base rate
Movie theaters
- Attune 4.0% 4%
- Choice Privileges Select Mastercard 0.9% 1x base rate
Amusement parks
- Attune 4.0% 4%
- Choice Privileges Select Mastercard 0.9% 1x base rate
What the numbers are doing
Abroad the answer flips: Attune charges a 3% foreign transaction fee, so once that comes off the rate Choice Privileges Select Mastercard is the better card for everyday spend.
The table is earn rate only — annual fees are not netted out of it. These cards charge Attune $0 and Choice Privileges Select Mastercard $95 a year, so a thin lead in one category may not cover the difference.
Where they differ: Attune takes everything else, streaming, sporting goods and gyms, plus 6 more; Choice Privileges Select Mastercard takes groceries, gas, phone & internet and home improvement.
| Category | Best card |
|---|---|
| Everything else | Attune1.0% |
| Groceries | Choice Privileges Select Mastercard4.3% |
| Gas | Choice Privileges Select Mastercard4.3% |
| Streaming | Attune4.0% |
| Phone & internet | Choice Privileges Select Mastercard4.3% |
| Sporting goods | Attune4.0% |
| Home improvement | Choice Privileges Select Mastercard4.3% |
| Gyms | Attune4.0% |
| Campgrounds | Attune4.0% |
| Attractions | Attune4.0% |
| Public transit | Attune4.0% |
| Live events | Attune4.0% |
| Movie theaters | Attune4.0% |
| Amusement parks | Attune4.0% |
Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.
Every category, every card
Everything else
- Attune — 1.0%
- Choice Privileges Select Mastercard — 0.9%
Groceries
- Choice Privileges Select Mastercard — 4.3%
- Attune — 1.0%
Gas
- Choice Privileges Select Mastercard — 4.3%
- Attune — 1.0%
Streaming
- Attune — 4.0%
- Choice Privileges Select Mastercard — 0.9%
Phone & internet
- Choice Privileges Select Mastercard — 4.3%
- Attune — 1.0%
Sporting goods
- Attune — 4.0%
- Choice Privileges Select Mastercard — 0.9%
Home improvement
- Choice Privileges Select Mastercard — 4.3%
- Attune — 1.0%
Gyms
- Attune — 4.0%
- Choice Privileges Select Mastercard — 0.9%
Campgrounds
- Attune — 4.0%
- Choice Privileges Select Mastercard — 0.9%
Attractions
- Attune — 4.0%
- Choice Privileges Select Mastercard — 0.9%
Public transit
- Attune — 4.0%
- Choice Privileges Select Mastercard — 0.9%
Live events
- Attune — 4.0%
- Choice Privileges Select Mastercard — 0.9%
Movie theaters
- Attune — 4.0%
- Choice Privileges Select Mastercard — 0.9%
Amusement parks
- Attune — 4.0%
- Choice Privileges Select Mastercard — 0.9%
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