Exxon Mobil Credit Card Review 2023: Fuel Rewards & Rates

The average American spends $150 to $200 on gas every month—a whopping $2,400 a year. That cost can shoot up to $5,000 for families who spend their days driving their kids to after-school clubs. 

Gas cards like Exxon Mobil give you the chance to save on pricey fuel expenses. And it doesn’t just promise competitive gas rewards but also has some extra perks under its hood.

But is this really your wheel ticket to extra savings? 

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Exxon Mobil Credit Card at a Glance 

Full name: Exxon Mobil Smart Card+

Best for: Regular customers of Exxon and Mobil fuel stations

Issuer: Citibank

Required credit score: 640+ 

What’s The Exxon Mobil Card?

The Exxon Mobil Smart Card+ is a credit card for those who frequently purchase fuel and other items at Exxon Mobil stations.

You can only get savings from the Exxon Mobil card for Synergy gasoline, car washes, and buying snacks or drinks in-store. 

This gas card lets you instantly save money on fuel purchases, making it a tempting option if you regularly fill up your tanks at Exxon Mobil stations. 

In addition to the savings, the Exxon Mobil Smart Card+ offers extra perks, such as 5{1652eb1ffa4184925f6a63a9c04ea6b421acb7a78117241e7d4325cdca8339fa} back on in-store purchases and $0 fraud liability. 

But before we dive in, be warned that other cards offer more flexibility with rewards on fuel and other purchases.

More on that later— 

How does Exxon’s gas card work? 

The Exxon Mobil Smart Card+ is for exclusive use at Exxon Mobil locations.

With this card, you can save on every gallon of fuel, car washes, and in-store snacks for the journey.

And there’s no shortage of Exxon Mobil stations, with almost 12,000 spread across the US. 

All you need to do is pay for your Synergy gas at an Exxon Mobil station, and they’ll deduct the savings immediately at the pump. 

And if you get unlucky and don’t receive your deduction, you’ll get the discount back into your account as statement credits.

The Exxon Mobil card also gets a big thumbs up for not having an annual fee, making it a cost-effective choice for frequent drivers. 

It also provides access to exclusive offers so you can boost your savings.

But before you drive off into the sunset, there are a few bumps to watch out for: The Exxon card comes with an almighty APR of 31.49{1652eb1ffa4184925f6a63a9c04ea6b421acb7a78117241e7d4325cdca8339fa} (and a cash advance APR of 29.99{1652eb1ffa4184925f6a63a9c04ea6b421acb7a78117241e7d4325cdca8339fa}). 

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Exxon Mobil Card: Quick Summary Review 

Let’s start with a quick overview to get you up to speed:

Exxon Mobil Card: Fees 

The Exxon Mobil card is a mixed bag when it comes to fees. 

You’ve got the impressive $0 annual fee, but then there are the high APR rates to bring you back to reality. 

Here’s a summary of all the Exxon Mobil Smart Card+ fees:

Exxon Mobil Card: Pros & Cons 

Pros 

Cons

Pros: What We Like

Instant fuel savings 

With the Exxon Mobil card, you can save 12 cents per gallon on Synergy Supreme+ premium gasoline and 10 cents per gallon on other Synergy fuel grades. 

And there’s no waiting around—they’ll take your discount off right at the pump. 

So how much will you be saving? 

Let’s say you spend $4 per gallon and fill up your car twice a month— 

With the 12 cents discount per gallon, you would save around $3.60 per month and $43.20 a year (based on 15 gallons per fill-up). 

And don’t forget the cost savings on drinks and snacks, where you can earn 5{1652eb1ffa4184925f6a63a9c04ea6b421acb7a78117241e7d4325cdca8339fa} back on all in-store purchases as statement credit per year. 

Check out our top cashback credit cards for more rewards. 

No annual fee

One of the top perks of the Exxon Mobil credit card is that it doesn’t charge an annual fee. 

This means you can enjoy the benefits of the card without shelling out additional cash. 

By dodging those yearly charges, you can boost your savings on fuel minus that extra financial burden hanging over your head. 

Good approval odds 

While Exxon Mobil doesn’t spell out its credit score requirements, a fair credit score of 640 or above will give you a good chance of approval. 

So even if you haven’t achieved good credit score status yet, you could still be eligible. 

Just keep in mind that Exxon Mobil may gather information from your employer, your bank, and the credit bureaus to decide if you’re getting the thumbs up or not. 

Intro offer 

The Exxon Mobil credit card often has exclusive offers for new cardholders. 

Their standard intro offer is to get 30 cents a gallon as a bonus statement credit on fuel for your first two months after opening an account. 

But if you’re lucky, you might get your hands on some limited-time offers. 

For example, Exxon Mobil has bumped up the usual offer to 42 cents in statement credit. 

Just keep an eye on the Exxon Mobil website for any exclusive deals. 

Low credit limit

Exxon Mobil looks at your income, debt, and your credit report to decide your limit.

Nothing unusual there. Except, if you look closely at the terms and conditions, you’ll find that credit limits can start as low as $200. 

The average credit card limit is around $30,000, so that’s a pretty low starting point. 

Cons: Things to Consider 

High APR 

Exxon Mobil is leading the way in APR rates—but it’s not a race they should be winning. 

The card comes with a high regular APR of 31.49{1652eb1ffa4184925f6a63a9c04ea6b421acb7a78117241e7d4325cdca8339fa} and a cash advance APR of 29.99{1652eb1ffa4184925f6a63a9c04ea6b421acb7a78117241e7d4325cdca8339fa}. 

The average credit card APR is currently 24.53{1652eb1ffa4184925f6a63a9c04ea6b421acb7a78117241e7d4325cdca8339fa}—putting Exxon Mobil way above the standard. 

So if you carry a balance on your card, you may end up paying more in interest charges over time. 

To avoid this, make sure you pay off your balance in full each month. 

Only used at Exxon Mobil stations

You can only use the card at Exxon Mobil stations for fuel and in-store purchases.

While Exxon Mobil is the largest gas station chain in the US, you won’t be able to take advantage of the Exxon discounts if you often find yourself fueling up at other stations.

So if your local gas station is Shell, 7-Eleven, or Speedway—you might have to question whether those extra miles to an Exxon Mobil location are worth it.

Discounts are also only applied to Synergy fuel and Synergy Supreme+ premium gasoline, which can be a little restrictive if you prefer another fuel flavor. 

Lack of credit card benefits

The Exxon Mobil card is primarily geared towards fuel rewards, which means it lacks the wide range of benefits offered by other credit cards. 

While it offers some decent savings on fuel expenses, you won’t find the same variety of perks found in other cards, like travel rewards or cashback options. 

Check out Capital One SavorOne for more flexible rewards. 

Exxon Mobil Credit Card: Things to Know 

How do I earn Exxon fuel rewards?

The Exxon Mobil Smart Card+ rewards are simple and apply to gas, car washes, and in-store purchases. 

You save 12 cents per gallon on Synergy Supreme+ premium gasoline or 10 cents per gallon on other Synergy fuel grades. 

And you get the discount instantly as you’re paying for the fuel (no hanging around at the pump). 

So how much are you actually saving on a monthly or yearly basis?

The average cost of premium gasoline is around $4, which takes approximately 15 gallons to fill up a car. 

Based on these figures, here’s how much you can expect in savings:

How did we calculate this? 

If you fill up your car three times a month, we can calculate your monthly savings based on the following information:

1. Total the number of gallons per month: 15 gallons/fill-up x 3 fill-ups/month = 45 gallons/month
2. Calculate the savings per month: Total number of gallons per month x Savings per gallon
3. Result: 45 gallons/month x $0.10/gallon = $4.50

Feel free to adjust the figures to work out exactly how much you’ll be saving per month—then just multiply that number by twelve to see your yearly savings. 

And if your discount isn’t automatically applied at the pump, you’ll get the same amount as statement credits to your account instead. 

You can also earn 5{1652eb1ffa4184925f6a63a9c04ea6b421acb7a78117241e7d4325cdca8339fa} back in statement credit on your first $1,200 in non-fuel purchases every year at Exxon Mobil locations. This includes snacks, drinks, and car washes (not fuel, gift cards, or lottery tickets).

These rewards and benefits can help you save on fuel and non-fuel purchases, providing you with valuable discounts and credits.

We spoke with an expert to get his take on credit card rewards.

If you’re looking for flexible rewards, check out these top cashback cards: 

How do Exxon credit card payments work? 

You have the flexibility to make payments on your account whenever you want. 

But, each billing cycle, you must pay at least the minimum payment by the due date. 

And the sooner you pay off your new balance, the lower the interest charges.

To avoid any mishaps, be sure you make payments in dollars via check or electronic debit from a US bank (cash is a no-go). 

They may also accept online payments in foreign currency. 

But hold your horses— 

They get to decide the currency conversion rate. Once they’ve deducted any processing costs, they’ll credit your account in good old US dollars. 

What are the Exxon gas card requirements?

To meet the credit score requirements for an Exxon gas card, just follow these guidelines:

1. Legal age: You should be at least 18 to apply for the Exxon Smart Card+. 
2. Steady income: While specific income requirements vary, having a stable source of income gives you a better chance of approval. It shows that you can manage your expenses and pay off the card successfully.
3. Valid identification: Prepare to show proof of your identity. A driver’s license, passport, or other government-issued ID will do the trick. 
4. Credit score: While Exxon Mobil isn’t specific about its credit score requirements, a score of 640 or higher will boost your chances of qualifying. Maintaining a good credit score shows off your good credit habits and financial stability.

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What gas stations accept Exxon Mobil cards?

Exxon Mobil cards are widely accepted at Exxon Mobil stations throughout the US, making it convenient for you to fuel up and enjoy the benefits of your card. 

With over 11,500 Exxon and Mobil locations nationwide, you’ll find plenty of options to use your card. 

These stations are often strategically located, so you’ll never be too far from a pit stop to refuel or grab some snacks. 

Having an extensive acceptance network means you can go full throttle on maximizing your Exxon Mobil card benefits. 

Earn those fuel discounts while filling up your tank, access exclusive offers, and make your wallet smile. 

How do I contact Exxon Mobil credit card customer service?

If you need to get in touch with Exxon Mobil credit card customer service, here’s what you can do:

The Exxon Mobil credit card customer service phone number is 1800-344-4355, available Monday–Friday (8:00 a.m.–7:30 p.m. ET). 

You can also call on Saturdays (9:00 a.m.–7:30 p.m. ET) and Sundays (12:00 p.m.–8:30 p.m. ET). 

If you want technical assistance, and you’re outside the US, Canada, or Puerto Rico, just call 1-866-460-5349 or 423-477-6615. 

When it comes to finding answers and getting help with your Exxon Mobil credit card, they’ve got you covered. 

Their website features a handy FAQs section where you can find the information you need without having to reach out to customer service.

They can help with a bunch of topics, from sorting out billing inquiries to activating your card and providing details about their rewards program. 

Exxon Card Customer Reviews 

We’ve given our two cents, but what do others have to say about the Exxon credit card? 

Here’s what customers had to say:

One customer complained about the poor customer service, “I applied, and when I hit the send button, I got a message saying they needed more information and supplied a phone number for me to call. I tried calling, but all I get is a recording. This is the second time I applied. I should be getting some kind of communication back, but it seems hopeless.” 

Others have said their Exxon Mobil credit card account was closed without warning, “I made my monthly payments throughout Covid, mostly over the minimum. After five years, they closed my account without warning. Then they sent me a letter stating a recent review of my credit made me ineligible.” 

However, there were also more positive reviews, “There’s no downside to owning the Exxon Mobil gas card. The maximum gas per month shouldn’t be easily exceeded, especially if you work a regular full-time job, so that’s not a big issue. I also like that it has $0 fraud liability on unauthorized charges, just in case someone steals your card.” 

Still reluctant to kick-start your Exxon card journey? 

Keep reading for alternative options— 

How Does the Exxon Mobil Card Compare? 

If those negative reviews make you want to do a U-turn, here are some more gas credit cards with rewards worth checking out:

But you don’t need a gas card to earn fuel rewards. 

Plenty of other credit cards come with a bunch of perks and more flexible rewards. 

Here’s how our top picks compare:

Check out more of our credit card comparisons: 

Exxon Mobil Card: Useful Links 

Is the Exxon Mobil Card Credit Card Good For Me?

The Exxon Card Credit Card is best suited for:

• Frequent drivers who fuel up at Exxon Mobil stations.
• Individuals looking for fuel rewards and exclusive offers.
• Those who want a dedicated credit card for fuel purchases.

The Exxon Card Credit Card is a great choice if you frequently fuel up at Exxon Mobil stations. 

Whether on a road trip or just running errands, this card can help you save on fuel expenses and maximize your benefits. 

Just keep in mind that there are other cards out there that offer rewards on fuel and more. 

So, unless you’re a die-hard Exxon Mobil supporter, it’s worth shopping around and weighing up those rewards before strapping yourself in.