I went in for a gift card and they gracefully sold me one for $20, but when I looked at my bank statement it said that I was charged for $24. They apparently charge you for using their credit card machine without letting you know in advance so you can pay in another form. I do not recommend going to a place that watches you sign for $20 but charges you $4 extra. The lady who sold the card to me never said anything about fees so ASK! There are lots of other places that do not do that to paying people, especially during the Christmas season.