An integrated fuel cell system includes fuel cells, fuel heat exchangers, air heat exchangers, and tail gas oxidizers. The tail gas oxidizers oxidize a (second) portion of fuel received from the fuel cells with effluent that is output from the fuel cells. Fuel cell stacks are fluidly coupled with the fuel heat exchangers and the tail gas oxidizers such that the fuel that is output from the fuel cells is split into a first portion that is directed back into the fuel heat exchangers and a second portion that is directed into the tail gas oxidizers.