Independent credit card comparisonsAdvertiser Disclosure
BestCreditCardsGuide
ExxonMobil™ Smart Card+ card

ExxonMobil™ Smart Card+

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
None
Recommended credit
Good / Fair
Card network
Mastercard
Regular purchase APR
31.24% variable based on the Prime Rate
Apply Now for ExxonMobil™ Smart Card+ (opens in a new tab)Compare this card
Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

The ExxonMobil™ Smart Card+ is a gas rewards credit card that helps drivers save money on every gallon of gas they pump. Cardholders receive 30 cents off every gallon of Synergy fuel for the first two months after opening their account and then up to 12 cents off after that, plus 5% back on non-fuel purchases with Exxon and Mobil.

Our review of the ExxonMobil™ Smart Card+

The ExxonMobil Smart Card+ is a fuel reward credit card that offers instant rewards, streamlined statement credit redemptions, and no annual fee. This gas rewards credit card allows cardmembers to save on every gallon of Synergy Supreme+™ premium gasoline or any other grade of quality Synergy™ fuel at participating Exxon and Mobil locations. In addition, cardholders can earn 5% back on non-fuel purchases like drinks, snacks, and car washes, with cash back savings applying as a statement credit on the first $1,200 in non-fuel purchases each year.

According to Citi, the average consumer can save over $100 per year with the Smart Card+, making it a great value for a credit card with no annual fee. New accounts also enjoy additional savings with an extra 30¢ per gallon of ExxonMobil fuel for the first two months.

It’s important to note that the Smart Card+ is a closed-loop store card that can only be used at participating Exxon™ and Mobil™ stations. This means it cannot be used for balance transfers and is limited to purchases at Exxon and Mobil locations or through the Exxon Mobil Rewards+ app.

In comparison to an open-loop credit card like the Citi® Double Cash Card, the ExxonMobil Smart Card+ offers unique benefits for those looking to save on fuel and other purchases at Exxon and Mobil locations.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • Get $6 back when you make 3 mobile transactions within 2 months from your account open date with the Exxon Mobil Rewards+ app
  • Get 30¢ off each gallon of Synergy™ fuel for the first 2 months
  • View monthly itemized fuel costs for each card in your account
  • No annual fee
  • No foreign transaction fees

Who this card may suit

  • You frequently purchase gasoline with a credit card
  • You fill up at Exxon or Mobil locations
  • You don’t want to pay an annual fee

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual FeeNone
Regular Purchase APR31.24% variable based on the Prime Rate
Cash Advance APR29.99% variable based on the Prime Rate
Cash Advance Transaction FeeEither $10 or 5% of the amount of each transaction, whichever is greater
Late Payment Penalty FeeUp to $40

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Good Credit Fair Credit.

Apply Now for ExxonMobil™ Smart Card+ (opens in a new tab)View issuer terms for ExxonMobil™ Smart Card+ (opens in a new tab)

ExxonMobil™ Smart Card+

Apply Now for ExxonMobil™ Smart Card+ (opens in a new tab)

You will leave this site for the issuer’s page. Confirm current terms there.

Similar cards