The AT&T Universal Card does not have an annual fee. However, it is important to note that while there is no annual fee, cardholders should review the terms and conditions associated with their specific card. Benefits and fee structures can vary over time and might be updated by the issuing bank. It is always a good idea for customers to check the most current information on the official website, where they can find detailed insights about any applicable fees, rewards, and benefits associated with the AT&T Universal Card. If cardholders have additional questions regarding their card or features, they can also explore the resources available online for assistance.