Exxon Mobil Credit score Card Overview 2023: Gasoline Rewards & Charges


The common American spends $150 to $200 on gasoline each month—a whopping $2,400 a 12 months. That price can shoot as much as $5,000 for households who spend their days driving their youngsters to after-school golf equipment. 

Gasoline playing cards like Exxon Mobil provide the likelihood to avoid wasting on expensive gas bills. And it doesn’t simply promise aggressive gasoline rewards but in addition has some additional perks underneath its hood.

However is that this actually your wheel ticket to additional financial savings? 

This text will present you: 

  • The ins and outs of the Exxon Mobil card and costs.
  • A breakdown of Exxon’s gasoline rewards and funds.
  • How Exxon Mobil compares to different gas bank cards.

Learn extra: 

Exxon Mobil Credit score Card at a Look 

Full identify: Exxon Mobil Sensible Card+

Greatest for: Common clients of Exxon and Mobil gas stations

Issuer: Citibank

Required credit score rating: 640+ 

What’s The Exxon Mobil Card?

The Exxon Mobil Sensible Card+ is a bank card for many who regularly buy gas and different gadgets at Exxon Mobil stations.

You may solely get financial savings from the Exxon Mobil card for Synergy gasoline, automobile washes, and shopping for snacks or drinks in-store

This gasoline card helps you to immediately get monetary savings on gas purchases, making it a tempting choice for those who repeatedly replenish your tanks at Exxon Mobil stations. 

Along with the financial savings, the Exxon Mobil Sensible Card+ gives additional perks, equivalent to 5% again on in-store purchases and $0 fraud legal responsibility. 

However earlier than we dive in, be warned that different playing cards provide extra flexibility with rewards on gas and different purchases.

Extra on that later— 

How does Exxon’s gasoline card work? 

The Exxon Mobil Sensible Card+ is for unique use at Exxon Mobil places.

With this card, it can save you on each gallon of gas, automobile washes, and in-store snacks for the journey.

And there’s no scarcity of Exxon Mobil stations, with nearly 12,000 unfold throughout the US. 

All you must do is pay to your Synergy gasoline at an Exxon Mobil station, and so they’ll deduct the financial savings instantly on the pump. 

And for those who get unfortunate and don’t obtain your deduction, you’ll get the low cost again into your account as assertion credit.

The Exxon Mobil card additionally will get a giant thumbs up for not having an annual charge, making it an economical selection for frequent drivers. 

It additionally supplies entry to unique gives so you’ll be able to increase your financial savings.

However earlier than you drive off into the sundown, there are a number of bumps to be careful for: The Exxon card comes with an almighty APR of 31.49% (and a money advance APR of 29.99%). 

Bear in mind

You may solely use the cardboard at Exxon Mobil stations, so these rates of interest are a hefty value to pay for a card with such restricted use. 

Learn extra:

Exxon Mobil Card: Fast Abstract Overview 

Let’s begin with a fast overview to get you on top of things:

Exxon Mobil Card: Charges 

The Exxon Mobil card is a blended bag in relation to charges. 

You’ve received the spectacular $0 annual charge, however then there are the excessive APR charges to convey you again to actuality. 

Right here’s a abstract of all of the Exxon Mobil Sensible Card+ charges:



Annual charge


Processing charge


Month-to-month upkeep charge




APR for money advances


Steadiness switch charge 


Money advance charge 

Both $10 or 5% of the quantity of every money advance (whichever is larger)

Overseas transaction charge


Late charge 

As much as $40

Minimal curiosity cost charge 

A minimum of $2

Returned fee charge 


Over restrict charge 


Extra card charge 


Exxon Mobil Card: Execs & Cons 


  • Instantaneous gas financial savings.
  • No annual charge.
  • Good approval odds.
  • Intro provide. 


  • Excessive APR. 
  • Solely used at Exxon or Mobil stations.
  • Lack of bank card advantages.
  • Low credit score restrict. 

Execs: What We Like

Instantaneous gas financial savings 

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

And there’s no ready round—they’ll take your low cost off proper on the pump

So how a lot will you be saving? 

Let’s say you spend $4 per gallon and replenish your automobile twice a month— 

With the 12 cents low cost per gallon, you’d save round $3.60 per 30 days and $43.20 a 12 months (primarily based on 15 gallons per fill-up). 

And don’t overlook the associated fee financial savings on drinks and snacks, the place you’ll be able to earn 5% again on all in-store purchases as assertion credit score per 12 months. 

Take a look at our high cashback bank cards for extra rewards. 

No annual charge

One of many high perks of the Exxon Mobil bank card is that it doesn’t cost an annual charge

This implies you’ll be able to take pleasure in the advantages of the cardboard with out shelling out extra money. 

By dodging these yearly fees, you’ll be able to increase your financial savings on gas minus that additional monetary burden hanging over your head. 

Good approval odds 

Whereas Exxon Mobil doesn’t spell out its credit score rating necessities, a good credit score rating of 640 or above offers you a superb likelihood of approval. 

So even for those who haven’t achieved good credit score rating standing but, you could possibly nonetheless be eligible. 

Simply understand that Exxon Mobil could collect data out of your employer, your financial institution, and the credit score bureaus to determine for those who’re getting the thumbs up or not. 

Intro provide 

The Exxon Mobil bank card usually has unique gives for brand spanking new cardholders. 

Their normal intro provide is to get 30 cents a gallon as a bonus assertion credit score on gas to your first two months after opening an account. 

However for those who’re fortunate, you may get your palms on some limited-time gives. 

For instance, Exxon Mobil has bumped up the standard provide to 42 cents in assertion credit score. 

Simply keep watch over the Exxon Mobil web site for any unique offers. 

Low credit score restrict

Exxon Mobil appears at your revenue, debt, and your credit score report back to determine your restrict.

Nothing uncommon there. Besides, for those who look carefully on the phrases and circumstances, you’ll discover that credit score limits can begin as little as $200

The common bank card restrict is round $30,000, in order that’s a reasonably low place to begin. 

Cons: Issues to Think about 

Excessive APR 

Exxon Mobil is main the best way in APR charges—nevertheless it’s not a race they need to be successful. 

The cardboard comes with a excessive common APR of 31.49% and a money advance APR of 29.99%

The common bank card APR is presently 24.53%—placing Exxon Mobil manner above the usual. 

So for those who carry a steadiness in your card, chances are you’ll find yourself paying extra in curiosity fees over time. 

To keep away from this, be sure you repay your steadiness in full every month. 

Solely used at Exxon Mobil stations

You may solely use the cardboard at Exxon Mobil stations for gas and in-store purchases.

Whereas Exxon Mobil is the most important gasoline station chain within the US, you received’t be capable to benefit from the Exxon reductions for those who usually end up fueling up at different stations.

So in case your native gasoline station is Shell, 7-Eleven, or Speedway—you may need to query whether or not these additional miles to an Exxon Mobil location are price it.

Reductions are additionally solely utilized to Synergy gas and Synergy Supreme+ premium gasoline, which is usually a little restrictive for those who desire one other gas taste. 

Lack of bank card advantages

The Exxon Mobil card is primarily geared in direction of gas rewards, which suggests it lacks the big selection of advantages provided by different bank cards

Whereas it gives some respectable financial savings on gas bills, you received’t discover the identical number of perks present in different playing cards, like journey rewards or cashback choices. 

Take a look at Capital One SavorOne for extra versatile rewards. 

Exxon Mobil Credit score Card: Issues to Know 

How do I earn Exxon gas rewards?

The Exxon Mobil Sensible Card+ rewards are easy and apply to gasoline, automobile washes, and in-store purchases

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

And also you get the low cost immediately as you’re paying for the gas (no hanging round on the pump). 

So how a lot are you truly saving on a month-to-month or yearly foundation?

The common price of premium gasoline is round $4, which takes roughly 15 gallons to replenish a automobile. 

Based mostly on these figures, right here’s how a lot you’ll be able to anticipate in financial savings:

Quantity of fill-ups per 30 days

Synergy Supreme+ Premium Gasoline 

Different Synergy gas grades

1x a month 

$1.80 per 30 days/$21.60 per 12 months 

$1.50 per 30 days/$18 per 12 months

2x a month 

$3.60 per 30 days/$43.20 per 12 months

$3 per 30 days/$36 per 12 months 

3x a month 

$5.40 per 30 days/$64.80 per 12 months

$4.50 a month/$54 per 12 months

4x a month

$7.20 per 30 days/$86.40 per 12 months

$6 a month/$72 per 12 months 

How did we calculate this? 

When you replenish your automobile thrice a month, we are able to calculate your month-to-month financial savings primarily based on the next data:

  1. Complete the variety of gallons per 30 days: 15 gallons/fill-up x 3 fill-ups/month = 45 gallons/month
  2. Calculate the financial savings per 30 days: Complete variety of gallons per 30 days x Financial savings per gallon
  3. Outcome: 45 gallons/month x $0.10/gallon = $4.50

Be at liberty to regulate the figures to work out precisely how a lot you’ll be saving per 30 days—then simply multiply that quantity by twelve to see your yearly financial savings. 

And in case your low cost isn’t routinely utilized on the pump, you’ll get the identical quantity as assertion credit to your account as an alternative. 

You too can earn 5% again in assertion credit score in your first $1,200 in non-fuel purchases yearly at Exxon Mobil places. This contains snacks, drinks, and automobile washes (not gas, present playing cards, or lottery tickets).

These rewards and advantages may also help you save on gas and non-fuel purchases, offering you with priceless reductions and credit.

Bear in mind

Be careful for the excessive rates of interest, because the rewards may not be price it for those who get slapped with the hefty 31.49% APR. 

We spoke with an knowledgeable to get his tackle bank card rewards.

Taking part in the rewards factors sport is usually a lot to juggle. Attempt to discover a card that gives a plain 2% cashback on each buy, with a number of perks and better cashback charges for extra frequent purchases. And if in case you have a selected service you want, then look into getting considered one of their bank cards.

Colin PalfreyChief Advertising Officer at Crediful

When you’re searching for versatile rewards, take a look at these high cashback playing cards: 

How do Exxon bank card funds work? 

You’ve the flexibleness to make funds in your account everytime you need

However, every billing cycle, you should pay at the very least the minimal fee by the due date. 

And the earlier you repay your new steadiness, the decrease the curiosity fees.

To keep away from any mishaps, ensure you make funds in {dollars} by way of test or digital debit from a US financial institution (money is a no-go). 

They could additionally settle for on-line funds in overseas forex. 

However maintain your horses— 

They get to determine the forex conversion charge. As soon as they’ve deducted any processing prices, they’ll credit score your account in good previous US {dollars}. 

What are the Exxon gasoline card necessities?

To satisfy the credit score rating necessities for an Exxon gasoline card, simply observe these pointers:

  1. Authorized age: You need to be at the very least 18 to use for the Exxon Sensible Card+. 
  2. Regular revenue: Whereas particular revenue necessities fluctuate, having a secure supply of revenue provides you a greater likelihood of approval. It reveals that you may handle your bills and repay the cardboard efficiently.
  3. Legitimate identification: Put together to point out proof of your id. A driver’s license, passport, or different government-issued ID will do the trick. 
  4. Credit score rating: Whereas Exxon Mobil isn’t particular about its credit score rating necessities, a rating of 640 or greater will increase your possibilities of qualifying. Sustaining a good credit score rating reveals off your good credit score habits and monetary stability.

Learn extra: 

What gasoline stations settle for Exxon Mobil playing cards?

Exxon Mobil playing cards are extensively accepted at Exxon Mobil stations all through the US, making it handy so that you can gas up and luxuriate in the advantages of your card. 

With over 11,500 Exxon and Mobil places nationwide, you’ll discover loads of choices to make use of your card. 

These stations are usually strategically situated, so that you’ll by no means be too removed from a pit cease to refuel or seize some snacks. 

Having an intensive acceptance community means you’ll be able to go full throttle on maximizing your Exxon Mobil card advantages. 

Earn these gas reductions whereas filling up your tank, entry unique gives, and make your pockets smile. 

How do I contact Exxon Mobil bank card customer support?

If you must get in contact with Exxon Mobil bank card customer support, right here’s what you are able to do:

The Exxon Mobil bank card customer support telephone quantity is 1800-344-4355, out there Monday–Friday (8:00 a.m.–7:30 p.m. ET). 

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

If you’d like technical help, and also you’re outdoors the US, Canada, or Puerto Rico, simply name 1-866-460-5349 or 423-477-6615. 

Relating to discovering solutions and getting assist along with your Exxon Mobil bank card, they’ve received you lined. 

Their web site encompasses a helpful FAQs part the place yow will discover the knowledge you want with out having to achieve out to customer support.

They may also help with a bunch of matters, from finding out billing inquiries to activating your card and offering particulars about their rewards program. 

Exxon Card Buyer Opinions 

We’ve given our two cents, however what do others need to say in regards to the Exxon bank card? 

Right here’s what clients needed to say:

One buyer complained in regards to the poor customer support, “I utilized, and once I hit the ship button, I received a message saying they wanted extra data and provided a telephone quantity for me to name. I attempted calling, however all I get is a recording. That is the second time I utilized. I must be getting some form of communication again, nevertheless it appears hopeless.” 

Others have mentioned their Exxon Mobil bank card account was closed with out warning, “I made my month-to-month funds all through Covid, largely over the minimal. After 5 years, they closed my account with out warning. Then they despatched me a letter stating a current assessment of my credit score made me ineligible.” 

Nonetheless, there have been additionally extra optimistic critiques, “There’s no draw back to proudly owning the Exxon Mobil gasoline card. The utmost gasoline per 30 days shouldn’t be simply exceeded, particularly for those who work a daily full-time job, in order that’s not a giant challenge. I additionally like that it has $0 fraud legal responsibility on unauthorized fees, simply in case somebody steals your card.” 

Nonetheless reluctant to kick-start your Exxon card journey? 

Maintain studying for different choices— 

How Does the Exxon Mobil Card Evaluate? 

If these unfavourable critiques make you need to do a U-turn, listed here are some extra gasoline bank cards with rewards price trying out:

However you don’t want a gasoline card to earn gas rewards. 

Loads of different bank cards include a bunch of perks and extra versatile rewards. 

Take a look at extra of our bank card comparisons: 

Exxon Mobil Card: Helpful Hyperlinks 

Is the Exxon Mobil Card Credit score Card Good For Me?

The Exxon Card Credit score Card is finest suited to:

  • Frequent drivers who gas up at Exxon Mobil stations.
  • People searching for gas rewards and unique gives.
  • Those that need a devoted bank card for gas purchases.

The Exxon Card Credit score Card is an incredible selection for those who regularly gas up at Exxon Mobil stations

Whether or not on a street journey or simply working errands, this card may also help you save on gas bills and maximize your advantages. 

Simply understand that there are different playing cards on the market that provide rewards on gas and extra

So, until you’re a die-hard Exxon Mobil supporter, it’s price procuring round and weighing up these rewards earlier than strapping your self in. 


Is the Exxon Mobil good card a bank card?

Sure, the Exxon Mobil Sensible Card is a bank card. 

It gives the comfort of a standard bank card, nevertheless it’s particularly designed for Exxon Mobil stations. 

Through the use of this card, you’ll be able to earn gas rewards and entry unique gives. 

It’s an incredible choice for people who regularly gas up at Exxon Mobil stations and need to maximize their financial savings. 

Nonetheless, different bank cards provide related gas rewards alongside money again and factors on different purchases. So it’s price doing all your analysis earlier than committing to a card that focuses totally on gas bills. 

When you’re taking a look at different choices, take a look at Capital One SavorOne or the Amex Blue Money Most popular.

Is there an Exxon bank card pre-qualify choice?

You may solely get pre-approval for the Exxon Mobil bank card for those who obtain a particular provide by mail. 

You may’t get pre-approved on the web site itself, so the very best concept is to test the eligibility necessities. 

To get accredited, you’ll have to be aged 18 or over and have a gentle supply of revenue. 

You also needs to have a credit score rating of 640 or extra to extend your possibilities of getting the cardboard. 

Learn how to improve your credit score rating shortly. 

Does Exxon Mobil assist with credit score constructing? 

Relating to utilizing the cardboard that will help you construct credit score, Exxon Mobil isn’t clear on how efficient their card is. 

Their phrases and circumstances say they could report your exercise to the credit score bureaus—however they don’t specify which bureaus or in the event that they report back to all three of them. 

That mentioned, Citibank (issuer of Exxon Mobil) reviews to all main credit score bureaus, so it’s seemingly that Exxon Mobil may also help you construct credit score for those who use the cardboard responsibly. 

What’s the Exxon Mobil Rewards Plus card?

The Exxon Mobil Rewards+ card is a loyalty program that gives extra advantages to Exxon Mobil clients. 

With the Exxon Mobil rewards program, you’ll be able to earn factors on gas, comfort retailer gadgets, and automobile washes. 

For each 100 factors you earn, you’ll be able to redeem them for $1 in financial savings.

You may redeem your factors steadiness whereas utilizing your Exxon Mobil Sensible Card, however you’ll be able to’t use it to earn factors for the reward program. It’s because factors earned on the Sensible Card don’t contribute in direction of the reward program tiers. 

You may apply for the Exxon Rewards Plus card on the Exxon Mobil web site. 

Take a look at the very best cashback rewards playing cards

Easy methods to get a gasoline card?

Right here’s what you are able to do to use for a gasoline bank card: 

  1. Analysis gasoline card choices from respected suppliers like Exxon, Shell, or BP.
  2. Go to their web sites or apply in-store.
  3. Fill out the applying type, offering your private and monetary data.
  4. Submit the applying and look ahead to approval.
  5. As soon as accredited, you’ll obtain your gasoline card within the mail.

Having a gasoline card gives a number of advantages, equivalent to gas reductions, rewards, and simpler expense monitoring. It is a handy instrument for frequent drivers and may also help get monetary savings on gas purchases. 

Simply make sure that to match totally different gasoline card choices, learn the phrases and circumstances, and select the one which aligns along with your wants and preferences. 

Need to take it additional with a journey card? Take a look at the Sensible Card.

What’s the Exxon Mobil retailer quantity?

To search out the Exxon Mobil retailer quantity, observe these steps:

  1. Go to the Exxon Mobil web site and use their “Discover a gasoline station close to me” instrument. 
  2. Enter your location or handle to seek for close by Exxon or Mobil stations.
  3. Choose “Record” to search out particulars of the Exxon Mobil station closest to you. 

Realizing the Exxon Mobil retailer quantity will be helpful if you must present suggestions, report a problem, or ask about particular companies. 

Mentioning the shop quantity will make life simpler for you and the Exxon Mobil employees. 

Because you’re on the street, take a look at Otto’s automobile insurance coverage

How do Exxon Mobil’s on-line funds work? 

Observe these steps to make Exxon on-line funds: 

  1. Login: Go to Exxon Mobil’s web site and log into your account.
  2. Go to “Make a Fee”: Discover the designated part and click on on it.
  3. Enter fee particulars: Enter the quantity you need to pay and choose your most popular fee methodology.
  4. Affirm: Double-check the fee particulars and click on “Affirm” to authorize the transaction.
  5. Receipt: You’ll obtain a affirmation receipt to your fee.

Paying on-line ensures your fee is processed shortly to be able to keep away from any potential late charges. 

How do I test my Exxon Mobil card steadiness?

To test your Exxon Mobil card steadiness, observe these steps:

  1. Go to the Exxon Mobil web site. 
  2. Log in to your account utilizing your username and password.
  3. Navigate to the account or card administration part to view your card steadiness and transaction historical past.

Checking your Exxon Mobil card steadiness helps you keep on high of your funds and monitor your spending. 

By reviewing your steadiness, you’ll be able to be sure you have sufficient funds out there to your gas purchases. 


See all

How A lot Do Folks Spend On Gasoline Every Month? (n.d.). J.D. Energy. Retrieved June 29, 2023, from https://www.jdpower.com/automobiles/shopping-guides/how-much-do-people-spend-on-gas-each-month

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

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

Common Credit score Card Curiosity Charges This Week. (n.d.). Retrieved June 2, 2023, from https://datawrapper.dwcdn.web/z4hwF/16/

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


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