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How Does LendingTree Get Paid?

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Exxon Mobil Smart Card+™ Review

Exxon Mobil Smart Card+™ Review

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
28.74% variable
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

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

Citi is an advertising partner.

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.
    660 720 850
    Excellent/Good
  • $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

28.74% 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 28.74% 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
on American Express's secure site
Terms Apply
0% on purchases for 12 months
17.74%-28.74% Variable
$0 intro annual fee for the first year, then $95
6% Cash Back at U.S. supermarkets on up to $6,000 per year
  • 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 after 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% for 12 months on purchases from the date of account opening, then a variable rate, 17.74% to 28.74%
  • 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.
  • Thinking about getting The Disney Bundle which includes Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $13.99 or more each month on an eligible subscription with your Blue Cash Preferred Card. Enrollment required.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.
660 720 850
Excellent/Good

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 offers 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 17.74%-28.74% Variable APR. The card also has an intro APR of 0% on balance transfers for 12 months, then a 17.74%-28.74% Variable APR applies.

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

Compare the Exxon Mobil Smart Card+™ to similar cards

Comparison of four different credit cards
Exxon Mobil Smart Card+™ Blue Cash Preferred<sup>®</sup> Card from American Express Costco Anywhere Visa<sup>®</sup> Card by Citi Shell | Fuel Rewards® Mastercard®
Exxon Mobil Smart Card+™ Blue Cash Preferred® Card from American Express Costco Anywhere Visa® Card by Citi Shell | Fuel Rewards® Mastercard®
Read Review
Apply Now
on American Express's secure site
Terms Apply
Read Review
Review Coming Soon
Welcome Offer
Get 30 cents off every gallon of fuel for the first 2 months after account open date. Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. N/A Save 30¢/gal (up to 35 gallons*) on your first 5 Shell fuel purchases made by 6/30/2023. After that, save 10¢/gal every time you fill up. (New accounts only. Apply by 02/28/23.)
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. 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. 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 3% on restaurants & travel, 2% at Costco & Costco.com, 1% on all other purchases You can Save 10 cents per gallon on up to 35 gallons of gas. Plus, earn 10% in Shell rebates on your first $1,200 in non-fuel purchases per year, 2% in Shell rebates on dining and grocery store purchases each year (up to $10,000 in combined spending per year) and 1% in Shell rebates on all other purchases.
Annual Fee
$0 $0 intro annual fee for the first year, then $95 $0 $0
Intro Purchase APR
N/A 0% on purchases for 12 months N/A N/A
Regular APR
28.74% variable 17.74%-28.74% Variable 18.99% (Variable) 30.24% variable
Regular APR
28.74% variable 17.74%-28.74% Variable 18.99% (Variable) 30.24% variable
Intro Balance Transfer APR
N/A 0% on balance transfers for 12 months N/A 0% promotional APR on balance transfers for 12 months from now until September 30, 2021
Regular Balance Transfer APR
N/A 17.74%-28.74% Variable 18.99% (Variable) N/A
Regular Balance Transfer Rate
N/A 17.74%-28.74% Variable 18.99% (Variable) N/A
Balance Transfer Fee
N/A Either $5 or 3% of the amount of each transfer, whichever is greater. Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum N/A
Recommended Credit
Excellent/Good Excellent/Good Excellent N/A
Card Details
Exxon Mobil Smart Card+™ Blue Cash Preferred® Card from American Express Costco Anywhere Visa® Card by Citi Additional card details unavailable

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.

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.