It’s more than a cosmetic refresh. The Exxon Mobil Smart Card has received a substantial upgrade beneath the surface that delivers bigger fuel discounts and enhanced in-store benefits compared with other gas station credit cards.
The revamped Smart Card+ doubles the previous card’s pump savings. Discounts have been increased from 6 cents per gallon to 12 cents off premium fuel and 10 cents off other grades.
The Smart Card+ also gives you 5% back as a statement credit on the first $1,200 spent per year on in-store purchases and car washes at Exxon and Mobil locations.
Beyond the pump savings, the Exxon Mobil Smart Card+ still carries no annual fee — so you won’t see your savings erased by a yearly charge.
- Skip full-price fill-ups: Save 12 cents per gallon on premium fuel and 10 cents per gallon on other grades.
- Instant discounts: Discounts are applied at the pump — no waiting for the next billing cycle.
- No fraud liability: Protection against theft, pump skimmers and other unauthorized activity.
- Monitor fuel spending: View how much each cardholder charges to the card each month.
- Access cash: Obtain cash advances at over 200,000 Cirrus ATMs (cash-advance fees apply).
- Identity protection assistance: Personalized support from specialists if your identity is compromised or suspicious account activity appears.
Sign-up Offer
Who doesn’t like an attractive welcome incentive? The Exxon Mobil Smart Card+ presents a tempting introductory deal for new cardmembers.
For the first two months after opening your account, you’ll receive an additional 30 cents off per gallon — stacking on top of the usual 12 cents off premium and 10 cents off other grades. That equates to roughly 40 to 42 cents off per gallon depending on the fuel you purchase. This promotion applied to accounts opened between Feb. 1, 2022 and Jan. 31, 2023.
Pros and Cons
A card that delivers up to 12 cents off per gallon and 5% back on in-store buys should be appealing to frequent drivers.
The sign-up deal alone makes it worth trying the card for at least a year. Still, a few drawbacks temper the card’s otherwise strong value.
With a regular APR around 26.49%, the interest rate is similar to other private-label fuel cards like those from Chevron and Shell.
Late fees are typical for this category — you’ll be charged $40 for missed payments. Cash-advance costs follow industry norms as well: expect a variable cash-advance APR up to about 29.95% plus ATM fees if you use the card for cash.
- Substantial per-gallon fuel savings
- In-store rebates on snacks, drinks and more
- No annual fee
- Strong introductory promotion
- APR is a bit higher than average
- Rewards are limited to Exxon and Mobil stations
How to use Your Exxon Mobil Credit Card
Using the Exxon Mobil card is straightforward. Present or swipe your Exxon Mobil Smart Card+ before pumping at an Exxon or Mobil location.
The discount is reflected at the pump rather than as a future statement adjustment.
Remember — you’ll also earn in-store perks when you use the card inside Exxon and Mobil convenience stores.
At the register, use your Exxon Mobil card to receive the 5% statement credit on qualifying in-store purchases like snacks, beverages and other items.
The Smart Card+ is accepted at participating Exxon and Mobil sites — both at the pump and at the register — for fuel, convenience-store purchases, car washes and more. It can also be added to the Exxon Mobil mobile payment app for contactless checkout. The card is limited to Exxon and Mobil branded locations for its rewards.
Use the Exxon Mobil card at over 12,000 Exxon and Mobil stations across the U.S. and at any of the more than 200,000 Cirrus ATMs nationwide. Be mindful of the fees that apply to cash advances, as is common with most credit cards.
No. This card does not carry an introductory APR. It isn’t intended for balance transfers. The primary advantages are its strong gas savings, which are particularly valuable because the card has no annual fee to offset benefits. However, the Smart Card+ does include a two-month welcome promotion that boosts gas savings by an extra 30 cents per gallon on top of the base 12¢/10¢ discounts.
Fees and rates: Late fees: $40. Annual fee: None. ATM fees: $10 per transaction or 5% of the withdrawal, whichever is greater. Variable cash-advance APR up to 29.99%. Foreign transaction fees: None. Balance-transfer fees: N/A.
We suggest applying if your credit score is at least in the fair range. Applicants with lower scores may still qualify. Review your credit report before submitting an application.
For phone support, call 1-800-344-4355. Live assistance is offered 8 a.m. to 9 p.m. ET Monday–Friday, 10 a.m. to 8:30 p.m. ET on Saturdays and noon to 8:30 p.m. ET on Sundays. Email support is available at [email protected].
The Exxon Mobil card is issued by Citibank.
Yes.
The Smart Card+ has replaced the former Smart Card. Existing cardholders of the previous card are being transitioned to Exxon’s new product automatically. The major changes involve enhanced perks: you’ll receive larger per-gallon discounts and a new in-store rebate when you use the card at Exxon or Mobil stations.
Card terms and conditions:
*Subject to credit approval. The 30¢ per gallon bonus discount applies to the first 2 months after your account open date and will be paid as a statement credit. You will also receive ongoing fuel savings of 12¢ per gallon on Synergy Supreme+™ premium fuel and 10¢ per gallon on other Synergy™ fuel grades, which will be received as a reduced fuel price at the point of sale. Offer valid at participating Exxon and Mobil stations. In the event discounts at the point of sale are unavailable for any reason, you will receive the earned discounts as a statement credit. In that case, you will not see the 12¢ per gallon or 10¢ per gallon reduction in the price per gallon at the pump. You can earn 5% back in rebates on your first $1,200 in Exxon and Mobil non-fuel purchases made each year with your card at Exxon or Mobil locations. You will not earn rebates on Exxon or Mobil non-fuel purchases in excess of $1,200 each year. Rebates will be earned as a statement credit. Qualifying in-store purchases exclude lottery tickets, money orders and gift cards. Exxon Mobil Rewards+™ points will not be earned on purchases made with the Exxon Mobil Smart Card+™ credit card. Terms & Conditions of the Exxon Mobil Smart Card+™ Program apply. Concentration and availability of our proprietary additive package may vary based on factors beyond our control.
