Fuel Card Fee Calculator
Estimate card fees
Add monthly, transaction and other recurring fees.
When to Use This Calculator
Use this calculator when you have a published fee schedule or a written quote and want to convert account fees into monthly cost, annual cost and effective cost per gallon. This helps compare a low advertised discount against the fees needed to use the account.
Input Fields
| Field | What to enter | What to verify |
|---|---|---|
| Monthly fee | Recurring account, card, plan or service fee. | Whether it is per account, per truck, per card or per plan. |
| Transaction fee | Fee charged per fuel purchase or card authorization. | Whether the fee applies in-network, out-of-network or only in certain cases. |
| Fuel transactions | Expected number of fuel purchases per month. | Use expected stops, not only monthly gallons. |
| Other monthly fees | Known recurring service, statement or program fees. | Check for paper statement, late payment, returned ACH or replacement card fees separately. |
| Gallons per month | Expected diesel gallons for the same month. | Use the same gallon estimate you use for savings comparisons. |
Formula
Monthly estimated fees = monthly fee + transaction fee × fuel transactions per month + other monthly fees. Effective fee per gallon = monthly estimated fees ÷ gallons per month.
How to Read the Result
The effective fee per gallon can be compared against a stated cents-per-gallon discount. For example, if a card appears to save 15 cents per gallon but has an estimated fee load of 4 cents per gallon, the net value is closer to 11 cents before considering network fit.
This calculator does not include unknown fees. If the provider does not clearly publish a fee, treat it as a provider-confirmation item before applying. Related reading: fuel card fees explained and hidden fuel card fees.