Net savings

Fuel savings after subtracting known fees and recurring card costs from gross savings.

Why It Matters

Net savings is what remains after card fees are subtracted from the gross discount. It is the number that matters for budgeting and card comparison, not the advertised per-gallon rate.

What to Check

• Subtract all monthly fees, transaction fees and estimated out-of-network costs before calling a number net savings.
• Use realistic gallons and transaction counts, not best-case monthly assumptions.
• Recalculate net savings when fuel prices, routes or purchase frequency change.