Citi
EXXON MOBIL SMART CARD+ CREDIT CARD
Key Features
| Annual Fee | $0.00 |
| Regular APR | Purchase APR: variable % - % Cash Advance APR: variable % |
| Other Fees | Minimum interest charge: $. Transaction fee for cash advances: Either $ or % of the amount of each cash advance, whichever is greater. |
About this card
The EXXON MOBIL SMART CARD+ CREDIT CARD is a niche card with limited appeal, resulting in an overall rating of 2.4 (Fair). Its primary strength is the lack of an annual fee and the instant fuel savings at Exxon and Mobil stations. However, the high APR, limited rewards categories, and absence of a sign-up bonus significantly detract from its value. The card is best suited for brand loyalists who consistently purchase fuel at Exxon and Mobil and always pay their balance in full. For most consumers, a general-purpose cashback card would offer greater flexibility and value. The card's reputation is generally poor among credit card experts and users due to its limited utility and high APR. While the 5% cashback on in-store purchases is a decent perk, the $1,200 annual cap limits its overall impact. Overall, this card provides a modest benefit for a specific group of consumers, but its drawbacks prevent it from achieving a higher rating.
Pros & Cons
What's great
- No annual fee
- Cashback on purchases
Things to consider
- High regular APR
- No sign-up bonus
- Limited rewards categories
- Transaction fees for cash advances
What this card offers
Rewards
- Save 12¢/ gal On Synergy Supreme+ Premium gasoline
- Save 10¢/ gal On regular, mid-grade and diesel fuels
- Get 5% back on drinks, snacks, car washes and more. Savings earned as a statement credit on the first $1,200 in non-fuel purchases per year
Other features
- $0 liability on unauthorized charges
- Get savings instantly on every gallon of Synergy fuel purchased with the Exxon Mobil Smart Card+ credit card - right at the pump!
- Pay your bill in full each month or just make the minimum payment.
- More than 12,000 Exxon and Mobil stations.
- View monthly itemization for each card and/or person on your account.
- $0 Fraud Liability
- Easy, secure payments
- at the pump with the Exxon Mobil Rewards+ mobile app.
Additional Notes
You’ll also get Grocery Rewards discounts with your Exxon Mobil Smart Card+ credit card. Exxon Mobil Smart Card+ credit card fuel savings combine with Albertsons for U, Safeway for U, ACME for U, Shaw’s for U and Star Market for U discounts where available. See the Exxon Mobil Rewards+ program terms and conditions for additional information.