Exxon Mobil Smart Card+™ Review

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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.

• 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.

• 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.

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

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Blue Cash Preferred^® Card from American Express

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Rates & Fees

| Terms Apply

Blue Cash Preferred^® Card from American Express

Intro Purchase APR 0% on purchases for 12 months

Regular Purchase APR 19.24%-29.99% Variable

Annual Fee $0 intro annual fee for the first year, then $95.

Rewards Rate 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.… Read More

Highlights

• Earn a $250 statement credit after you spend $3,000 in 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%. Variable APRs will not exceed 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 or at Amazon.com checkout.
• Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
• Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
• Terms Apply.

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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 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.

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.