Citi
EXXON MOBIL SMART CARD+™ CREDIT CARD
Cash BackNo Annual FeeGas
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | No signup bonus. |
| Rewards Rate | Up to 12¢/gal fuel, 5% back. |
| Regular APR | As of 12/16/2025, Purchase APR: variable 33.24%; Cash Advance APR: variable 33.24%. |
| Other Fees | Minimum interest charge: $2. Transaction fee for cash advances: Either $10 or 5% of the amount of each cash advance, whichever is greater. |
Best for those with
Fair Credit
About this card
Overall Rating
Pros & Cons
What's great
- No annual fee
- Cashback on purchases
- Zero fraud liability
Things to consider
- High regular APR
- No sign-up bonus
- Limited rewards categories
- No intro APR period
- High cash advance fees
What this card offers
Rewards
- Save 12¢/gal on Synergy Supreme+™ premium gasoline purchases at the pump.
- Save 10¢/gal on other fuel grade purchases at the pump.
- And, at the end of each month, get 5% back on convenience store purchases and car washes as a statement credit on the first $1,200 in non-fuel purchases per year.
Other features
- Instant Savings Get savings instantly on every gallon of Synergy™ fuel purchased with the Exxon Mobil Smart Card+ credit card - right at the pump!
- Flexible payment options Pay your bill in full each month or just make the minimum payment.
- Nationwide Acceptance More than 12,000 Exxon™ and Mobil™ stations.
- Tracking fuel costs View monthly itemization for each card and/or person on your account.
- $0 Fraud Liability Feel secure with $0 liability on unauthorized charges.
- Easy, secure payments at the pump with the Exxon Mobil Rewards+™ mobile app.
- Enjoy additional perks, such as $0 fraud liability on unauthorized charges and online account management to review charges and make or schedule payments.
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