Citi
EXXON MOBIL SMART CARD+ CREDIT CARD
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | No signup bonus |
| Rewards Rate | Up to 12¢/gal & 5% back |
| Regular APR | 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. |
About this card
The EXXON MOBIL SMART CARD+ CREDIT CARD receives an overall rating of 2.3 (Fair). This rating considers the card's limited appeal and specific benefits. The primary strength is the absence of an annual fee and the instant fuel savings at Exxon and Mobil stations. However, the extremely high APR is a significant drawback that overshadows the rewards for users who carry a balance. The limited rewards categories and lack of a sign-up bonus further reduce its overall value. The card is best suited for consumers who are brand loyal to Exxon and Mobil, consistently purchase fuel there, and always pay their balance in full. The card's reputation is weak 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. Considering the high APR, modest rewards, and limited flexibility, a general-purpose cashback card is a better option for most consumers. The negative impact of the APR brings the overall rating down significantly.
Pros & Cons
What's great
- No annual fee
- Rewards on fuel purchases
- Additional rewards on select purchases
Things to consider
- High regular APR
- No sign-up bonus
- Limited rewards categories
- Cash advance fee
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
- 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.