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Exxon Mobil Credit Card Review 2023: Fuel Rewards & Rates

Exxon Mobil credit card review: Is this fuel card legit and how do the gas rewards stack up?

Lauren Bedford - Finance Writer
Written by

Lauren Bedford

Lauren Bedford - Finance Writer
Written by
Lauren Bedford
Finance Writer

Lauren is a published content writer and journalist. In the last five years, she has written about a range of subjects, including business, technology, and finance.

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Derek Sall - Founder/Personal Finance Expert
Reviewed by

Derek Sall

Verified by an expert
Derek Sall - Founder/Personal Finance Expert
Reviewed by
Derek Sall
Founder/Personal Finance Expert

Derek has a Bachelor's degree in Finance and a Master's in Business. As a finance manager in the corporate world, he regularly identified and solved problems at the C-suite level. Today, Derek isn't interested in helping big companies. Instead, he's helping individuals win financially—one email, one article, one person at a time.

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Kacper Kozicki - Editor-in-Chief
Edited by

Kacper Kozicki

Kacper Kozicki - Editor-in-Chief
Edited by
Kacper Kozicki

Kacper is an editor, writer, and multilingual translator with expertise in producing tailored content for global online brands.

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Halina Grzeskiewicz - Finance Writer

Halina Grzeskiewicz

Halina Grzeskiewicz - Finance Writer
Halina Grzeskiewicz
Finance Writer

Content writer with nearly 5 years of experience. Halina has written about several topics, including human resources, technology, Forex, cryptocurrencies, and personal finance.

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17 min
August, 17 2023

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Gas card
Exxon Mobil Card

Exxon Mobil Smart Card+

Annual fee
Reward rate
Save 10¢–12¢ per gallon
Save 10¢ per gallon on other Synergy fuel grades. Save 12¢ per gallon on Synergy Supreme+ premium gasoline . Get 5% back on in-store purchases as statement credit per year.
Intro offer
Earn 30¢ per gallon
Earn 30¢ per gallon as a bonus statement credit on fuel within the first 2 months
31.49% APR
Credit needed: Fair to Excellent (640–850)

Earn 30¢ per gallon as a bonus statement credit on fuel within the first 2 months


Regular APR


Intro APR


Balance transfer rate


Balance transfer intro APR


Cash advance APR



Annual fees


Balance transfer fees


Cash advance fees

Either $10 or 5% of the amount of each cash advance (whichever is greater)

Foreign transaction fees


Late payment fees

Up to $40

Regular APR


Intro APR


Balance transfer rate


Balance transfer intro APR


Cash advance APR


Annual fees


Balance transfer fees


Cash advance fees

Either $10 or 5% of the amount of each cash advance (whichever is greater)

Foreign transaction fees


Late payment fees

Up to $40

Why we like it

The Exxon Mobil Smart Card+ is a credit card for fuel and other items at Exxon Mobil stations. You can get savings from the Exxon Mobil card for Synergy gasoline, car washes, and buying snacks or drinks in-store. 


  • Fuel savings. 
  • Welcome offer. 
  • No annual fee. 


  • High APR.
  • Only used at ExxonMobil stations.
Table of contents:
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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. 

Why trust us
Advertiser Disclosure

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? 

This article will show you: 

  • The ins and outs of the Exxon Mobil card and fees.
  • A breakdown of Exxon’s gas rewards and payments.
  • How Exxon Mobil compares to other fuel credit cards.

Read more: 

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% 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 USi

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% (and a cash advance APR of 29.99%). 


You can only use the card at Exxon Mobil stations, so those interest rates are a hefty price to pay for a card with such limited use. 

Read more:

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:



Annual fee


Processing fee


Monthly maintenance fee




APR for cash advances


Balance transfer fee 


Cash advance fee 

Either $10 or 5% of the amount of each cash advance (whichever is greater)

Foreign transaction fee


Late fee 

Up to $40

Minimum interest charge fee 

No less than $2

Returned payment fee 


Over limit fee 


Additional card fee 


Exxon Mobil Card: Pros & Cons 


  • Instant fuel savings.
  • No annual fee.
  • Good approval odds.
  • Intro offer. 


  • High APR. 
  • Only used at Exxon or Mobil stations.
  • Lack of credit card benefits.
  • Low credit limit. 

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% 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 $30,000i, 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% and a cash advance APR of 29.99%

The average credit card APR is currently 24.53%i—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:

Amount of fill-ups per month

Synergy Supreme+ Premium Gasoline 

Other Synergy fuel grades

1x a month 

$1.80 per month/$21.60 per year 

$1.50 per month/$18 per year

2x a month 

$3.60 per month/$43.20 per year

$3 per month/$36 per year 

3x a month 

$5.40 per month/$64.80 per year

$4.50 a month/$54 per year

4x a month

$7.20 per month/$86.40 per year

$6 a month/$72 per year 

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% 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.


Watch out for the high interest rates, as the rewards might not be worth it if you get slapped with the hefty 31.49% APR. 

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

Playing the rewards points game can be a lot to juggle. Try to find a card that offers a plain 2% cashback on every purchase, with a few perks and higher cashback rates for more frequent purchases. And if you have a particular service you like, then look into getting one of their credit cards.

Colin PalfreyChief Marketing Officer at Crediful

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.

Read more: 

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. 

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


Credit cards like Amex Blue Cash Preferred and Capital One SavorOne will give you more flexibility to earn rewards, plus they both come with lower APRs and no annual fees. 

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


Is the Exxon Mobil smart card a credit card?

Yes, the Exxon Mobil Smart Card is a credit card. 

It offers the convenience of a traditional credit card, but it’s specifically designed for Exxon Mobil stations. 

By using this card, you can earn fuel rewards and access exclusive offers. 

It’s a great option for individuals who frequently fuel up at Exxon Mobil stations and want to maximize their savings. 

However, other credit cards offer similar fuel rewards alongside cash back and points on other purchases. So it’s worth doing your research before committing to a card that focuses primarily on fuel expenses. 

If you’re looking at alternative options, check out Capital One SavorOne or the Amex Blue Cash Preferred.

Is there an Exxon credit card pre-qualify option?

You can only get pre-approval for the Exxon Mobil credit card if you receive a special offer by mail. 

You can’t get pre-approved on the website itself, so the best idea is to check the eligibility requirements. 

To get approved, you’ll need to be aged 18 or over and have a steady source of income. 

You should also have a credit score of 640 or more to increase your chances of getting the card. 

Find out how to increase your credit score quickly. 

Does Exxon Mobil help with credit building? 

When it comes to using the card to help you build credit, Exxon Mobil isn’t clear on how effective their card is. 

Their terms and conditions say they may report your activity to the credit bureaus—but they don’t specify which bureaus or if they report to all three of them. 

That said, Citibank (issuer of Exxon Mobil) reports to all major credit bureaus, so it’s likely that Exxon Mobil can help you build credit if you use the card responsibly. 

What is the Exxon Mobil Rewards Plus card?

The Exxon Mobil Rewards+ card is a loyalty program that offers additional benefits to Exxon Mobil customers. 

With the Exxon Mobil rewards program, you can earn points on fuel, convenience store items, and car washes. 

For every 100 points you earn, you can redeem them for $1 in savings.

You can redeem your points balance while using your Exxon Mobil Smart Card, but you can’t use it to earn points for the reward program. This is because points earned on the Smart Card don’t contribute towards the reward program tiers. 

You can apply for the Exxon Rewards Plus card on the Exxon Mobil website. 

Check out the best cashback rewards cards

How to get a gas card?

Here’s what you can do to apply for a gas credit card: 

  1. Research gas card options from reputable providers like Exxon, Shell, or BP.
  2. Visit their websites or apply in-store.
  3. Fill out the application form, providing your personal and financial information.
  4. Submit the application and wait for approval.
  5. Once approved, you’ll receive your gas card in the mail.

Having a gas card offers several benefits, such as fuel discounts, rewards, and easier expense tracking. It's a convenient tool for frequent drivers and can help save money on fuel purchases. 

Just make sure to compare different gas card offerings, read the terms and conditions, and choose the one that aligns with your needs and preferences. 

Want to take it further with a travel card? Check out the Wise Card.

What’s the Exxon Mobil store number?

To find the Exxon Mobil store number, follow these steps:

  1. Visit the Exxon Mobil website and use their “Find a gas station near me” tool. 
  2. Enter your location or address to search for nearby Exxon or Mobil stations.
  3. Select “List” to find details of the Exxon Mobil station closest to you. 

Knowing the Exxon Mobil store number can be handy if you need to provide feedback, report an issue, or ask about specific services. 

Mentioning the store number will make life easier for you and the Exxon Mobil staff. 

Since you’re on the road, check out Otto’s car insurance

How do Exxon Mobil’s online payments work? 

Follow these steps to make Exxon online payments: 

  1. Login: Visit Exxon Mobil’s website and log into your account.
  2. Go to “Make a Payment”: Find the designated section and click on it.
  3. Enter payment details: Input the amount you want to pay and select your preferred payment method.
  4. Confirm: Double-check the payment details and click “Confirm” to authorize the transaction.
  5. Receipt: You’ll receive a confirmation receipt for your payment.

Paying online ensures your payment is processed quickly so that you can avoid any potential late fees. 

How do I check my Exxon Mobil card balance?

To check your Exxon Mobil card balance, follow these steps:

  1. Visit the Exxon Mobil website. 
  2. Log in to your account using your username and password.
  3. Navigate to the account or card management section to view your card balance and transaction history.

Checking your Exxon Mobil card balance helps you stay on top of your finances and monitor your spending. 

By reviewing your balance, you can make sure you have enough funds available for your fuel purchases. 


See all

How Much Do People Spend On Gas Each Month? (n.d.). J.D. Power. Retrieved June 29, 2023, from https://www.jdpower.com/cars/shopping-guides/how-much-do-people-spend-on-gas-each-month

Number of Exxon Mobil locations in the USA in 2023. (n.d.). ScrapeHero. Retrieved June 29, 2023, from https://www.scrapehero.com/location-reports/Exxon Mobil-USA/

What’s the Average Credit Limit on a Credit Card? - Experian. (n.d.). Retrieved March 17, 2023, from https://www.experian.com/blogs/ask-experian/what-is-average-credit-limit-on-credit-card/

Average Credit Card Interest Rates This Week. (n.d.). Retrieved June 2, 2023, from https://datawrapper.dwcdn.net/z4hwF/16/

Exxon Mobil Smart Card+ FAQ. (n.d.). Retrieved June 29, 2023, from https://www.exxon.com/en/smart-card-plus/faqs