What are the fees associated with the AT&T Universal Card?

The AT&T Universal Card offers a straightforward fee structure. Cardholders are not subject to an annual fee, allowing for cost-effective usage. However, certain fees may apply, including a late payment fee up to $40 for payments not received by the due date. Additionally, there might be a returned payment fee, which is a maximum of $40 if a payment fails to clear. Cash advances may also incur fees, with a minimum charge of $10 or 3% of the transaction amount, whichever is higher. It is important to note that the specific fees, terms, and conditions of the AT&T Universal Card may vary, so it is advisable to review the cardholder agreement or contact customer service for the most accurate and up-to-date information.