How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
|
Advertising Disclosure
LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).

Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
|
American Express Disclosure
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

American Express Disclosure

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

Exxon Mobil Smart Card+™ Review

LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
1.1
Exxon Mobil Smart Card+™
Rewards Rate
Get 12¢/gal* in instant savings on every gallon of Synergy Supreme+™ premium gasoline or 10¢/gal* on other grades of Synergy™ fuel every time you fill up.
Sign-Up Bonus
Get 30 cents off every gallon of fuel for the first 2 months after account open date.
Regular Purchase APR
34.24% variable
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It was not reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.
Citi is an advertising partner.

Who is the Exxon Mobil Smart Card+™ best for?

The Exxon Mobil Smart Card+™ is best for people who spend a lot on gas each month and prefer Exxon or Mobil stations in particular — since the card can only be used to make purchases at those locations. But if you’d prefer a gas credit card that can be used at different gas stations, as well as one that offers rewards on more than just gas purchases, a more flexible card (like the Blue Cash Preferred® Card from American Express) may be a better fit.

We rounded up the pros and cons of the Exxon Mobil Smart Card+™, which is issued by Citibank, and compared it to other gas credit cards to help you decide if it’s the right fit for you.

Exxon Mobil Smart Card+™ overview

    • Get 12¢/gal* in instant savings on every gallon of Synergy Supreme+™ premium gasoline or 10¢/gal* on other grades of Synergy™ fuel every time you fill up.

    • There's no minimum purchase or savings cap.
    • Automatically receive rebates as a statement credit on your billing statement.
    • More than fuel - Buy fuel, food & supplies at more than 11,000 Exxon™ or Mobil™ stations.
    • Additional cards at no cost
    • ATM cash access - At 200,000+ Cirrus ATMs. Cash advance fees apply.
    • Citi® Identity Theft Solutions - Specialized assistance if you become a victim of ID theft.
    • $0 Fraud Liability - Feel secure with $0 liability on unauthorized charges.
  • Recommended Credit
    Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
  • 660 720 850
    Good / Excellent
  • $0 fraud liability
  • At the end of every month, get 5% back* on in-store purchases and car washes as a statement credit on the first $1,200 in non-fuel purchases per year
  • Online account management tools to review charges and make or schedule payments
  • Combine fuel savings with grocery discounts at eligible stores

Intro Purchase APR

N/A

Regular Purchase APR

34.24% variable

Intro BT APR

N/A

Regular BT APR

N/A

Annual Fee

$0

Cash Advance Fee

5% of each cash advance; $10 minimum

Foreign Transaction Fee

N/A

Balance Transfer Fee

N/A

Pros and cons of the Exxon Mobil Smart Card+™

Pros

  • Savings on gas purchases
  • Sign-up bonus
  • $0 annual fee and no membership fees
  • 5% back on non-fuel purchases

Cons

  • Limited to Exxon and Mobil stations
  • High APR

What we like about the Exxon Mobil Smart Card+™

  • Savings on gas purchases

    This card can help you save every time you fill up at Exxon or Mobil stations. Get 12¢/gal* in instant savings on every gallon of Synergy Supreme+™ premium gasoline or 10¢/gal* on other grades of Synergy™ fuel every time you fill up.

  • Sign-up bonus

    With the Exxon Mobil Smart Card+™, get 30 cents off every gallon of fuel for the first 2 months after account open date.

  • $0 annual fee and no membership fees

    The ExxonMobil Smart Card charges a $0 annual fee. Additionally, unlike the Costco Anywhere Visa® Card by Citi and the Sam's Club Mastercard — which also offer gas rewards — this card does not charge membership fees.

  • 5% back on non-fuel purchases

    Cardholders receive 5% back* in statement credit rebates on your first $1,200 in Exxon and Mobil in-store purchases and car washes each year. Note, lottery tickets, money orders and gift cards are not eligible.

What to look out for with the Exxon Mobil Smart Card+™

  • Limited to Exxon or Mobil stations

    You can only use this card at Exxon or Mobil locations, so there’s not much flexibility. If you tend to fill up at a variety of gas stations, you may want to consider a gas credit card that can be used anywhere.

  • High APR

    The ExxonMobil Smart Card has a high ongoing APR of 34.24% variable, which is not ideal if you plan to carry a balance on your card from month to month.

Alternate card to the Exxon Mobil Smart Card+™

Compare it to the Blue Cash Preferred® Card from American Express

| Disclosures
Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express
apply-now-icon Apply Now
on American Express's secure site
Rates & Fees
| Terms Apply
0% on purchases for 12 months
19.24%-29.99% Variable
$0 intro annual fee for the first year, then $95.
Earn 6% Cash Back at U.S. supermarkets on up to $6,000 per
  • Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations.
  • 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit on Amazon.com at checkout.
  • $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
  • Terms Apply.
660 720 850
Good / Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

If you want to earn rewards on your gas purchases — but don’t want to be limited to earning them at Exxon or Mobil gas stations — the Blue Cash Preferred® Card from American Express is a great alternative.

The card lets you earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply. Note, gas purchased at superstores, supermarkets and warehouse clubs will not be eligible for the 3% cash back rate.

Additionally, cardholders earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

Unlike the Exxon Mobil Smart Card+™, the Blue Cash Preferred® Card from American Express offers an intro APR of 0% on purchases for 12 months from the date of account opening, then a 19.24%-29.99% Variable APR. The card also has an intro APR of 0% on balance transfers for 12 months, then a 19.24%-29.99% Variable APR applies.

*To see rates & fees for Blue Cash Preferred® Card from American Express, please click here.

Is the Exxon Mobil Smart Card+™ right for you?

The Exxon Mobil Smart Card+™ could be right for you if you fill up frequently for work or travel. However, because you can only use this card at Exxon or Mobil locations, it’s best for brand loyalists.

But if you’re looking for a card with more robust cash back benefits, the Blue Cash Preferred® Card from American Express may be a better fit, since it’s not limited to one location.

Learn More
on Citi Retail's secure site

*To see rates & fees for Blue Cash Preferred® Card from American Express, please click here.
 
The information related to the Costco Anywhere Visa® Card by Citi and the Shell | Fuel Rewards® Mastercard® has been independently collected by LendingTree and has not been reviewed or provided by the issuers of these cards prior to publication.

The information related to the Exxon Mobil Smart Card+™ has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.