A fuel cell system includes a fuel cell having an anode and a cathode, a water recovery system configured to recycle water from exhaust from the anode, a heat exchanger configured to transfer heat between exhaust from the cathode and water from the water recovery system, and a saturator having an upper section and a lower section separated by a divider defining an opening configured to allow fuel and steam to pass from the lower section to the upper section. The lower section receives fuel from a fuel source and water from the water recovery unit and the upper section receives fuel from the lower section and water from the heat exchanger.