Attune®

Yes, if your regular spending lines up with its unusually broad set of 4x categories. Attune® stands out because it rewards a mix of lifestyle purchases that many cards either ignore or only cover narrowly, and with no annual fee there is little downside to keeping it for the right purchases. If you pay for a gym membership, use ride-sharing or transit often, subscribe to several streaming services, or spend steadily on entertainment and beauty, the return can be quite strong for a no-fee card.

It is less compelling as a primary card for all spending, since purchases outside those categories earn just 1x points. There are also no listed statement credits, travel perks, or premium protections here to broaden its appeal. For most readers, this makes sense as a category card that complements a stronger flat-rate card, rather than replacing one.