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Exxon Mobil Credit score Card Assessment 2023: Gasoline Rewards & Charges



The typical American spends $150 to $200 on fuel each month—a whopping $2,400 a yr. That value can shoot as much as $5,000 for households who spend their days driving their youngsters to after-school golf equipment. 

Gasoline playing cards like Exxon Mobil provide the probability to save lots of on expensive gas bills. And it doesn’t simply promise aggressive fuel rewards but in addition has some further perks underneath its hood.

However is that this actually your wheel ticket to further financial savings? 

This text will present you: 

  • The ins and outs of the Exxon Mobil card and charges.
  • A breakdown of Exxon’s fuel rewards and funds.
  • How Exxon Mobil compares to different gas bank cards.

Learn extra: 

Exxon Mobil Credit score Card at a Look 

Full title: Exxon Mobil Good Card+

Finest for: Common clients of Exxon and Mobil gas stations

Issuer: Citibank

Required credit score rating: 640+ 

What’s The Exxon Mobil Card?

The Exxon Mobil Good Card+ is a bank card for many who often buy gas and different objects at Exxon Mobil stations.

You possibly can solely get financial savings from the Exxon Mobil card for Synergy gasoline, automotive washes, and shopping for snacks or drinks in-store

This fuel card permits you to immediately get monetary savings on gas purchases, making it a tempting possibility for those who repeatedly replenish your tanks at Exxon Mobil stations. 

Along with the financial savings, the Exxon Mobil Good Card+ gives further perks, reminiscent of 5% again on in-store purchases and $0 fraud legal responsibility. 

However earlier than we dive in, be warned that different playing cards provide extra flexibility with rewards on gas and different purchases.

Extra on that later— 

How does Exxon’s fuel card work? 

The Exxon Mobil Good Card+ is for unique use at Exxon Mobil places.

With this card, it can save you on each gallon of gas, automotive washes, and in-store snacks for the journey.

And there’s no scarcity of Exxon Mobil stations, with virtually 12,000 unfold throughout the US. 

All it is advisable to do is pay in your Synergy fuel at an Exxon Mobil station, and so they’ll deduct the financial savings instantly on the pump. 

And for those who get unfortunate and don’t obtain your deduction, you’ll get the low cost again into your account as assertion credit.

The Exxon Mobil card additionally will get an enormous thumbs up for not having an annual payment, making it an economical alternative for frequent drivers. 

It additionally supplies entry to unique gives so you may increase your financial savings.

However earlier than you drive off into the sundown, there are a number of bumps to be careful for: The Exxon card comes with an almighty APR of 31.49% (and a money advance APR of 29.99%). 

Bear in mind

You possibly can solely use the cardboard at Exxon Mobil stations, so these rates of interest are a hefty worth to pay for a card with such restricted use. 

Learn extra:

Exxon Mobil Card: Fast Abstract Assessment 

Let’s begin with a fast overview to get you on top of things:

APR

31.49%

Annual payment

$0

Intro provide 

Get 30¢ per gallon as a bonus assertion credit score on gas throughout the first 2 months 

Normal rewards

Save 10¢ per gallon on different Synergy gas grades

Most rewards 

Save 12¢ per gallon on Synergy Supreme+ premium gasoline 

Get 5% again on in-store purchases as assertion credit score per yr

Total ranking 

3.8/5 

Exxon Mobil Card: Charges 

The Exxon Mobil card is a combined bag in the case of charges. 

You’ve received the spectacular $0 annual payment, however then there are the excessive APR charges to deliver you again to actuality. 

Right here’s a abstract of all of the Exxon Mobil Good Card+ charges:

Price

Element

Annual payment

$0

Processing payment

$0

Month-to-month upkeep payment

$0

APR

31.49%

APR for money advances

29.99%

Steadiness switch payment 

N/A

Money advance payment 

Both $10 or 5% of the quantity of every money advance (whichever is bigger)

International transaction payment

$0

Late payment 

As much as $40

Minimal curiosity cost payment 

A minimum of $2

Returned fee payment 

N/A

Over restrict payment 

N/A

Extra card payment 

N/A

Exxon Mobil Card: Execs & Cons 

Execs 

  • On the spot gas financial savings.
  • No annual payment.
  • Good approval odds.
  • Intro provide. 

Cons

  • Excessive APR. 
  • Solely used at Exxon or Mobil stations.
  • Lack of bank card advantages.
  • Low credit score restrict. 

Execs: What We Like

On the spot gas financial savings 

With the Exxon Mobil card, it can save you 12 cents per gallon on Synergy Supreme+ premium gasoline and 10 cents per gallon on different Synergy gas grades. 

And there’s no ready round—they’ll take your low cost off proper on the pump

So how a lot will you be saving? 

Let’s say you spend $4 per gallon and replenish your automotive twice a month— 

With the 12 cents low cost per gallon, you’ll save round $3.60 per 30 days and $43.20 a yr (based mostly on 15 gallons per fill-up). 

And don’t neglect the fee financial savings on drinks and snacks, the place you may earn 5% again on all in-store purchases as assertion credit score per yr. 

Try our prime cashback bank cards for extra rewards. 

No annual payment

One of many prime perks of the Exxon Mobil bank card is that it doesn’t cost an annual payment

This implies you may get pleasure from the advantages of the cardboard with out shelling out more money. 

By dodging these yearly costs, you may increase your financial savings on gas minus that further monetary burden hanging over your head. 

Good approval odds 

Whereas Exxon Mobil doesn’t spell out its credit score rating necessities, a good credit score rating of 640 or above provides you with an excellent probability of approval. 

So even for those who haven’t achieved good credit score rating standing but, you might nonetheless be eligible. 

Simply remember the fact that Exxon Mobil might collect data out of your employer, your financial institution, and the credit score bureaus to determine for those who’re getting the thumbs up or not. 

Intro provide 

The Exxon Mobil bank card typically has unique gives for brand new cardholders. 

Their normal intro provide is to get 30 cents a gallon as a bonus assertion credit score on gas in your first two months after opening an account. 

However for those who’re fortunate, you would possibly get your palms on some limited-time gives. 

For instance, Exxon Mobil has bumped up the standard provide to 42 cents in assertion credit score. 

Simply control the Exxon Mobil web site for any unique offers. 

Low credit score restrict

Exxon Mobil seems at your earnings, debt, and your credit score report back to determine your restrict.

Nothing uncommon there. Besides, for those who look carefully on the phrases and circumstances, you’ll discover that credit score limits can begin as little as $200

The typical bank card restrict is round $30,000, in order that’s a fairly low place to begin. 

Cons: Issues to Think about 

Excessive APR 

Exxon Mobil is main the way in which in APR charges—but it surely’s not a race they need to be successful. 

The cardboard comes with a excessive common APR of 31.49% and a money advance APR of 29.99%

The typical bank card APR is presently 24.53%—placing Exxon Mobil approach above the usual. 

So for those who carry a stability in your card, it’s possible you’ll find yourself paying extra in curiosity costs over time. 

To keep away from this, be sure to repay your stability in full every month. 

Solely used at Exxon Mobil stations

You possibly can solely use the cardboard at Exxon Mobil stations for gas and in-store purchases.

Whereas Exxon Mobil is the most important fuel station chain within the US, you received’t be capable of benefit from the Exxon reductions for those who typically end up fueling up at different stations.

So in case your native fuel station is Shell, 7-Eleven, or Speedway—you may need to query whether or not these further miles to an Exxon Mobil location are value it.

Reductions are additionally solely utilized to Synergy gas and Synergy Supreme+ premium gasoline, which generally is a little restrictive for those who want one other gas taste. 

Lack of bank card advantages

The Exxon Mobil card is primarily geared in the direction of gas rewards, which implies it lacks the big selection of advantages provided by different bank cards

Whereas it gives some respectable financial savings on gas bills, you received’t discover the identical number of perks present in different playing cards, like journey rewards or cashback choices. 

Try Capital One SavorOne for extra versatile rewards. 

Exxon Mobil Credit score Card: Issues to Know 

How do I earn Exxon gas rewards?

The Exxon Mobil Good Card+ rewards are easy and apply to fuel, automotive washes, and in-store purchases

You save 12 cents per gallon on Synergy Supreme+ premium gasoline or 10 cents per gallon on different Synergy gas grades. 

And also you get the low cost immediately as you’re paying for the gas (no hanging round on the pump). 

So how a lot are you really saving on a month-to-month or yearly foundation?

The typical value of premium gasoline is round $4, which takes roughly 15 gallons to replenish a automotive. 

Primarily based on these figures, right here’s how a lot you may anticipate in financial savings:

Quantity of fill-ups per 30 days

Synergy Supreme+ Premium Gasoline 

Different Synergy gas grades

1x a month 

$1.80 per 30 days/$21.60 per yr 

$1.50 per 30 days/$18 per yr

2x a month 

$3.60 per 30 days/$43.20 per yr

$3 per 30 days/$36 per yr 

3x a month 

$5.40 per 30 days/$64.80 per yr

$4.50 a month/$54 per yr

4x a month

$7.20 per 30 days/$86.40 per yr

$6 a month/$72 per yr 

How did we calculate this? 

If you happen to replenish your automotive 3 times a month, we are able to calculate your month-to-month financial savings based mostly on the next data:

  1. Complete the variety of gallons per 30 days: 15 gallons/fill-up x 3 fill-ups/month = 45 gallons/month
  2. Calculate the financial savings per 30 days: Complete variety of gallons per 30 days x Financial savings per gallon
  3. End result: 45 gallons/month x $0.10/gallon = $4.50

Be at liberty to regulate the figures to work out precisely how a lot you’ll be saving per 30 days—then simply multiply that quantity by twelve to see your yearly financial savings. 

And in case your low cost isn’t mechanically utilized on the pump, you’ll get the identical quantity as assertion credit to your account as a substitute. 

You can too earn 5% again in assertion credit score in your first $1,200 in non-fuel purchases yearly at Exxon Mobil places. This consists of snacks, drinks, and automotive washes (not gas, present playing cards, or lottery tickets).

These rewards and advantages will help you save on gas and non-fuel purchases, offering you with invaluable reductions and credit.

Bear in mind

Be careful for the excessive rates of interest, because the rewards may not be value it for those who get slapped with the hefty 31.49% APR. 

We spoke with an skilled to get his tackle bank card rewards.

Taking part in the rewards factors sport generally is a lot to juggle. Attempt to discover a card that gives a plain 2% cashback on each buy, with a number of perks and better cashback charges for extra frequent purchases. And in case you have a selected service you want, then look into getting one in every of their bank cards.

Colin PalfreyChief Advertising and marketing Officer at Crediful

If you happen to’re in search of versatile rewards, try these prime cashback playing cards: 

How do Exxon bank card funds work? 

You may have the pliability to make funds in your account everytime you need

However, every billing cycle, you could pay no less than the minimal fee by the due date. 

And the earlier you repay your new stability, the decrease the curiosity costs.

To keep away from any mishaps, make certain you make funds in {dollars} by way of verify or digital debit from a US financial institution (money is a no-go). 

They could additionally settle for on-line funds in overseas foreign money. 

However maintain your horses— 

They get to determine the foreign money conversion price. As soon as they’ve deducted any processing prices, they’ll credit score your account in good outdated US {dollars}. 

What are the Exxon fuel card necessities?

To fulfill the credit score rating necessities for an Exxon fuel card, simply comply with these tips:

  1. Authorized age: Try to be no less than 18 to use for the Exxon Good Card+. 
  2. Regular earnings: Whereas particular earnings necessities range, having a steady supply of earnings provides you a greater probability of approval. It reveals that you may handle your bills and repay the cardboard efficiently.
  3. Legitimate identification: Put together to indicate proof of your id. A driver’s license, passport, or different government-issued ID will do the trick. 
  4. Credit score rating: Whereas Exxon Mobil isn’t particular about its credit score rating necessities, a rating of 640 or increased will increase your probabilities of qualifying. Sustaining a good credit score rating reveals off your good credit score habits and monetary stability.

Learn extra: 

What fuel stations settle for Exxon Mobil playing cards?

Exxon Mobil playing cards are broadly accepted at Exxon Mobil stations all through the US, making it handy so that you can gas up and revel in the advantages of your card. 

With over 11,500 Exxon and Mobil places nationwide, you’ll discover loads of choices to make use of your card. 

These stations are typically strategically positioned, so that you’ll by no means be too removed from a pit cease to refuel or seize some snacks. 

Having an in depth acceptance community means you may go full throttle on maximizing your Exxon Mobil card advantages. 

Earn these gas reductions whereas filling up your tank, entry unique gives, and make your pockets smile. 

How do I contact Exxon Mobil bank card customer support?

If it is advisable to get in contact with Exxon Mobil bank card customer support, right here’s what you are able to do:

The Exxon Mobil bank card customer support cellphone quantity is 1800-344-4355, accessible Monday–Friday (8:00 a.m.–7:30 p.m. ET). 

You can too name on Saturdays (9:00 a.m.–7:30 p.m. ET) and Sundays (12:00 p.m.–8:30 p.m. ET). 

If you would like technical help, and also you’re exterior the US, Canada, or Puerto Rico, simply name 1-866-460-5349 or 423-477-6615. 

With regards to discovering solutions and getting assist along with your Exxon Mobil bank card, they’ve received you lined. 

Their web site incorporates a helpful FAQs part the place you could find the data you want with out having to achieve out to customer support.

They will help with a bunch of subjects, from finding out billing inquiries to activating your card and offering particulars about their rewards program. 

Exxon Card Buyer Opinions 

We’ve given our two cents, however what do others should say in regards to the Exxon bank card? 

Right here’s what clients needed to say:

One buyer complained in regards to the poor customer support, “I utilized, and after I hit the ship button, I received a message saying they wanted extra data and provided a cellphone quantity for me to name. I attempted calling, however all I get is a recording. That is the second time I utilized. I must be getting some type of communication again, but it surely appears hopeless.” 

Others have mentioned their Exxon Mobil bank card account was closed with out warning, “I made my month-to-month funds all through Covid, largely over the minimal. After 5 years, they closed my account with out warning. Then they despatched me a letter stating a current overview of my credit score made me ineligible.” 

Nevertheless, there have been additionally extra optimistic evaluations, “There’s no draw back to proudly owning the Exxon Mobil fuel card. The utmost fuel per 30 days shouldn’t be simply exceeded, particularly for those who work an everyday full-time job, in order that’s not an enormous challenge. I additionally like that it has $0 fraud legal responsibility on unauthorized costs, simply in case somebody steals your card.” 

Nonetheless reluctant to kick-start your Exxon card journey? 

Hold studying for different choices— 

How Does the Exxon Mobil Card Examine? 

If these unfavourable evaluations make you need to do a U-turn, listed here are some extra fuel bank cards with rewards value testing:

 

Exxon Mobil Good Card+

Costco Anyplace Visa Card by Citi

Wells Fargo Autograph Card

Annual payment

$0

$0

$0

Rewards

Save 12¢ per gallon on Synergy Supreme+ premium gasoline 

Save 10¢ per gallon on different Synergy gas grades

Get 5% again on in-store purchases as assertion credit score per yr

4% money again on eligible fuel worldwide for the primary $7,000 per yr in fuel purchases after which 1% after 

3% money again on eating places and eligible journey purchases worldwide

2% money again on all different purchases from Costco and Costco.com

1% money again on all different purchases

Limitless 3x factors on fuel, journey, transit, eating, streaming companies, and cellphone plans

1x factors on different purchases

Intro provide

Get 30¢ per gallon as a bonus assertion credit score on gas throughout the first 2 months 

No intro provide 

Earn 20,000 bonus factors whenever you spend $1,000 within the first 3 months

However you don’t want a fuel card to earn gas rewards. 

Loads of different bank cards include a bunch of perks and extra versatile rewards. 

Right here’s how our prime picks examine:

 

Capital One SavorOne Credit score Card

Amex Blue Money Most popular

Chase Freedom Limitless

Annual payment

$0

$0

$0

Rewards

3% money again on eating, leisure, common streaming companies, and at grocery shops

1% money again on all different purchases

2% cashback on all eligible purchases, as much as $50,000 per yr

1% cashback on all eligible purchases after you attain $50,000 in purchases per yr

5% on journey bought by way of Chase Final Rewards

3.5% money again on Lyft rides

3% on eating (together with takeout and eligible supply companies)

3% on drugstore purchases

1.5% on all different purchases

Intro provide 

Earn $200 money bonus when you spend $500 throughout the first 3 months 

bonus_miles_full

Earn $200 after spending $500 within the first 3 months

Try extra of our bank card comparisons: 

Exxon Mobil Card: Helpful Hyperlinks 

Is the Exxon Mobil Card Credit score Card Good For Me?

The Exxon Card Credit score Card is finest suited to:

  • Frequent drivers who gas up at Exxon Mobil stations.
  • People in search of gas rewards and unique gives.
  • Those that desire a devoted bank card for gas purchases.

The Exxon Card Credit score Card is an important alternative for those who often gas up at Exxon Mobil stations

Whether or not on a street journey or simply operating errands, this card will help you save on gas bills and maximize your advantages. 

Simply remember the fact that there are different playing cards on the market that supply rewards on gas and extra

So, until you’re a die-hard Exxon Mobil supporter, it’s value buying round and weighing up these rewards earlier than strapping your self in. 

FAQs 

Is the Exxon Mobil sensible card a bank card?

Sure, the Exxon Mobil Good Card is a bank card. 

It gives the comfort of a standard bank card, but it surely’s particularly designed for Exxon Mobil stations. 

Through the use of this card, you may earn gas rewards and entry unique gives. 

It’s an important possibility for people who often gas up at Exxon Mobil stations and need to maximize their financial savings. 

Nevertheless, different bank cards provide related gas rewards alongside money again and factors on different purchases. So it’s value doing all your analysis earlier than committing to a card that focuses totally on gas bills. 

If you happen to’re taking a look at different choices, try Capital One SavorOne or the Amex Blue Money Most popular.

Is there an Exxon bank card pre-qualify possibility?

You possibly can solely get pre-approval for the Exxon Mobil bank card for those who obtain a particular provide by mail. 

You possibly can’t get pre-approved on the web site itself, so the perfect thought is to verify the eligibility necessities. 

To get permitted, you’ll have to be aged 18 or over and have a gradual supply of earnings. 

You also needs to have a credit score rating of 640 or extra to extend your probabilities of getting the cardboard. 

Learn how to improve your credit score rating shortly. 

Does Exxon Mobil assist with credit score constructing? 

With regards to utilizing the cardboard that can assist you construct credit score, Exxon Mobil isn’t clear on how efficient their card is. 

Their phrases and circumstances say they might report your exercise to the credit score bureaus—however they don’t specify which bureaus or in the event that they report back to all three of them. 

That mentioned, Citibank (issuer of Exxon Mobil) reviews to all main credit score bureaus, so it’s seemingly that Exxon Mobil will help you construct credit score for those who use the cardboard responsibly. 

What’s the Exxon Mobil Rewards Plus card?

The Exxon Mobil Rewards+ card is a loyalty program that gives extra advantages to Exxon Mobil clients. 

With the Exxon Mobil rewards program, you may earn factors on gas, comfort retailer objects, and automotive washes. 

For each 100 factors you earn, you may redeem them for $1 in financial savings.

You possibly can redeem your factors stability whereas utilizing your Exxon Mobil Good Card, however you may’t use it to earn factors for the reward program. It is because factors earned on the Good Card don’t contribute in the direction of the reward program tiers. 

You possibly can apply for the Exxon Rewards Plus card on the Exxon Mobil web site. 

Try the perfect cashback rewards playing cards

Learn how to get a fuel card?

Right here’s what you are able to do to use for a fuel bank card: 

  1. Analysis fuel card choices from respected suppliers like Exxon, Shell, or BP.
  2. Go to their web sites or apply in-store.
  3. Fill out the appliance kind, offering your private and monetary data.
  4. Submit the appliance and watch for approval.
  5. As soon as permitted, you’ll obtain your fuel card within the mail.

Having a fuel card gives a number of advantages, reminiscent of gas reductions, rewards, and simpler expense monitoring. It is a handy instrument for frequent drivers and will help get monetary savings on gas purchases. 

Simply be certain that to check totally different fuel card choices, learn the phrases and circumstances, and select the one which aligns along with your wants and preferences. 

Need to take it additional with a journey card? Try the Clever Card.

What’s the Exxon Mobil retailer quantity?

To search out the Exxon Mobil retailer quantity, comply with these steps:

  1. Go to the Exxon Mobil web site and use their “Discover a fuel station close to me” instrument. 
  2. Enter your location or tackle to seek for close by Exxon or Mobil stations.
  3. Choose “Checklist” to seek out particulars of the Exxon Mobil station closest to you. 

Realizing the Exxon Mobil retailer quantity will be helpful if it is advisable to present suggestions, report a difficulty, or ask about particular companies. 

Mentioning the shop quantity will make life simpler for you and the Exxon Mobil workers. 

Because you’re on the street, try Otto’s automotive insurance coverage

How do Exxon Mobil’s on-line funds work? 

Observe these steps to make Exxon on-line funds: 

  1. Login: Go to Exxon Mobil’s web site and log into your account.
  2. Go to “Make a Cost”: Discover the designated part and click on on it.
  3. Enter fee particulars: Enter the quantity you need to pay and choose your most popular fee technique.
  4. Verify: Double-check the fee particulars and click on “Verify” to authorize the transaction.
  5. Receipt: You’ll obtain a affirmation receipt in your fee.

Paying on-line ensures your fee is processed shortly to be able to keep away from any potential late charges. 

How do I verify my Exxon Mobil card stability?

To verify your Exxon Mobil card stability, comply with these steps:

  1. Go to the Exxon Mobil web site. 
  2. Log in to your account utilizing your username and password.
  3. Navigate to the account or card administration part to view your card stability and transaction historical past.

Checking your Exxon Mobil card stability helps you keep on prime of your funds and monitor your spending. 

By reviewing your stability, you may be sure to have sufficient funds accessible in your gas purchases. 

Sources

See all

How A lot Do Individuals Spend On Gasoline Every Month? (n.d.). J.D. Energy. Retrieved June 29, 2023, from https://www.jdpower.com/vehicles/shopping-guides/how-much-do-people-spend-on-gas-each-month

Variety of Exxon Mobil places within the USA in 2023. (n.d.). ScrapeHero. Retrieved June 29, 2023, from https://www.scrapehero.com/location-reports/Exxon Mobil-USA/

What’s the Common Credit score Restrict on a Credit score Card? – Experian. (n.d.). Retrieved March 17, 2023, from https://www.experian.com/blogs/ask-experian/what-is-average-credit-limit-on-credit-card/

Common Credit score Card Curiosity Charges This Week. (n.d.). Retrieved June 2, 2023, from https://datawrapper.dwcdn.web/z4hwF/16/

Exxon Mobil Good Card+ FAQ. (n.d.). Retrieved June 29, 2023, from https://www.exxon.com/en/smart-card-plus/faqs

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