$re = '/^.*\b(?:fees?|charges?)\b.*$/m';
$str = 'fees credit card
charges for interest
coffee shop
eeder cattle
fee credit card
charge for interest
test fees credit card
test charge for interest
test afees credit card
test charged for interest
';
preg_match_all($re, $str, $matches, PREG_SET_ORDER, 0);
// Print the entire match result
var_dump($matches);
Please keep in mind that these code samples are automatically generated and are not guaranteed to work. If you find any syntax errors, feel free to submit a bug report. For a full regex reference for PHP, please visit: http://php.net/manual/en/ref.pcre.php