CITGO Rewards® Card Toolkit

Credit Savings Calculator

STEP ONE

Input your transaction details below.

Start by providing your total number of stations and estimating your daily transaction frequency, average transaction dollar amount and volume of gallons pumped. Then indicate your current payment mix—detailing what percentage of your transactions are cash versus credit. Next provide the percentage of transactions that are made using the CITGO Rewards Card versus third party credit and debit cards.

Revenue Details

$1 {{ formatCurrency(form.averageTransactionAmount) }} $100

Transaction Details

{{ form.cash}}% Cash/Other (no fees) {{ 100 - form.cash}}% Credit/Debit (fees)
{{ form.card}}% CITGO Rewards Card {{ 100 - form.card}}% Third Party
Monthly Sales Per StationTotal Monthly SalesPercentage
Cash and Debit{{ formatCurrency(form.dailyTransactionsPerStation * daysInMonth * percentCash * form.averageTransactionAmount) }}{{ formatCurrency(form.dailyTransactionsPerStation * daysInMonth * percentCash * form.averageTransactionAmount * form.stations) }}{{ formatPercentage(percentCash) }}
Third Party Credit{{ formatCurrency(form.dailyTransactionsPerStation * daysInMonth * percentCardThirdParty * form.averageTransactionAmount) }}{{ formatCurrency(form.dailyTransactionsPerStation * daysInMonth * percentCardThirdParty * form.averageTransactionAmount * form.stations) }}{{ formatPercentage(percentCardThirdParty) }}
CITGO Rewards Card{{ formatCurrency(form.dailyTransactionsPerStation * daysInMonth * percentCardFirstParty * form.averageTransactionAmount) }}{{ formatCurrency(form.dailyTransactionsPerStation * daysInMonth * percentCardFirstParty * form.averageTransactionAmount * form.stations) }}{{ formatPercentage(percentCardFirstParty) }}

STEP TWO

Here is your current level of savings.

Based upon the details you provided in the previous step, below is an estimated snapshot of the current savings one of your stations realize with {{ formatPercentage(percentCardFirstParty) }} of credit transactions with CITGO Rewards Card. If your conditions and payment mix stay the same, your stations could anticipate the following monthly, yearly and 5 year savings by leveraging $0 processing fees from CITGO Rewards transactions.

Calculation results are estimated and may not be a true representation of actual figures.

Business Savings

$0 transaction fees

for every payment made using CITGO Rewards Cards.

ACROSS YOUR {{ form.stations }} STATIONS

{{ formatCurrency(monthlySavings) }}

in monthly fees waived

{{ formatCurrency(monthlySavings * 12) }}

in annual fees waived

{{ formatCurrency(monthlySavings * 12 * 5) }}

over 5 years of fees saved

Customer Savings

5¢ earned on every gallon

of CITGO fuel in CITGO Rewards.

ACROSS YOUR {{ form.stations }} STATIONS

{{ formatCurrency(form.gallonsPerMonth * savingsPerGallon) }}

saved by CITGO Rewards Cardholders each month

{{ formatCurrency(form.gallonsPerMonth * savingsPerGallon * 12) }}

saved by CITGO Rewards Cardholders each year

{{ formatCurrency(form.gallonsPerMonth * savingsPerGallon * 12 * 5) }}

saved by CITGO Rewards Cardholders over 5 years

STEP THREE

How much can you save?

Set your conversion target for increasing the number of CITGO Rewards Card transactions at your station(s) (as a percentage of transaction type) and watch the savings multiply. We'll compare your current savings with your projected savings so you can capture the incremental savings difference.

Set Your Goal

Transaction Details

{{ form.cardGoal}}% CITGO Rewards Card {{ 100 - form.cardGoal}}% Third Party

Savings Breakdown

CurrentProjectedIncremental
5 Years{{ formatCurrency(monthlySavings * 12 * 5) }}{{ formatCurrency(projectedMonthlySavings * 12 * 5) }}{{ formatCurrency((projectedMonthlySavings - monthlySavings) * 12 * 5) }}
Yearly{{ formatCurrency(monthlySavings * 12) }}{{ formatCurrency(projectedMonthlySavings * 12) }}{{ formatCurrency((projectedMonthlySavings - monthlySavings) * 12) }}
Monthly{{ formatCurrency(monthlySavings) }}{{ formatCurrency(projectedMonthlySavings) }}{{ formatCurrency(projectedMonthlySavings - monthlySavings) }}

Business Savings

$0 transaction fees

for every payment made using CITGO Rewards Cards.

ACROSS YOUR {{ form.stations }} STATIONS

{{ formatCurrency(projectedMonthlySavings) }}

in monthly fees waived

{{ formatCurrency(projectedMonthlySavings * 12) }}

in annual fees waived

{{ formatCurrency(projectedMonthlySavings * 12 * 5) }}

over 5 years of fees saved

STEP FOUR

Visualize the loyalty impact of new accounts.

Discover the impact of new CITGO Rewards Cardholder accounts. Explore how increased card holder loyalty can fuel more gallons pumped and more visits to your stores.

With zero transaction fees for you, and cardholders who purchase 264 more gallons annually and visit your store 12 times more per year than other customers1, there are many great reasons for you to promote the CITGO Rewards Card at your locations.

New Accounts Goal

Set a goal for new monthly account openings

0 {{ form.monthlyNewAccounts }} 100

New Accounts Breakdown

New AccountsNumber of VisitsGallons Purchased
Month 1{{ formatNumber(form.monthlyNewAccounts) }}{{ formatNumber(form.monthlyNewAccounts * (visitsPerYear/12)) }}{{ formatNumber(form.monthlyNewAccounts * (gallonsPerYear/12)) }}
Year 1{{ formatNumber(form.monthlyNewAccounts * 12) }}{{ formatNumber(form.monthlyNewAccounts * visitsPerYear) }}{{ formatNumber(form.monthlyNewAccounts * gallonsPerYear) }}
Year 5{{ formatNumber(form.monthlyNewAccounts * 12 * 5) }}{{ formatNumber(form.monthlyNewAccounts * visitsPerYear * 5) }}{{ formatNumber(form.monthlyNewAccounts * gallonsPerYear * 5) }}

Impact of CITGO Rewards Cardholders

12 more
visits¹
annually

264 more
gallons¹
annually

ACROSS YOUR {{ form.stations }} STATIONS

{{ formatNumber(form.monthlyNewAccounts * (visitsPerYear/12) * form.stations) }}

visits after one month

{{ formatNumber(form.monthlyNewAccounts * visitsPerYear * form.stations) }}

visits after one year

{{ formatNumber(form.monthlyNewAccounts * visitsPerYear * 5 * form.stations) }}

visits after five years

{{ formatNumber(form.monthlyNewAccounts * (gallonsPerYear/12) * form.stations) }}

gallons after one month

{{ formatNumber(form.monthlyNewAccounts * gallonsPerYear * form.stations) }}

gallons after one year

{{ formatNumber(form.monthlyNewAccounts * gallonsPerYear * 5 * form.stations) }}

gallons after five years

 
synchrony

The CITGO Rewards® Card is issued by Synchrony Bank.

CITGO, as well as the CITGO logo, trade name and trade dress, and all related marks are registered trademarks of CITGO Petroleum Corporation.

1Synchrony Analytics, December 2023.

2"2023 Findings from the Diary of Consumer Payment Choice," Emily Cubides and Shaun O'Brien, The Federal Reserve Financial Services, May 5, 2023.