O/O pay .36 cents every time we fuel with one. I forget what the transaction fees are beyond that. Typically if you get an advance do it for an incriment of $20 and add $5 to that amount so you can actually get it out of an ATM. If you want $100, get an advance of $105 and you'll get all your money. Otherwise there'll be a balance left on the card that's a pain to move to a checking account.