Are you in the market for a new card and considering the Exxon Mobil Smart Card+™? Before you apply for the card, you'll want to learn some key facts about the offer and how it compares to other cards on the market.
First, let's cover the basics. In reviewing the card, we rated it a 4.6 out of 5.0, which means that like many other cards, we found the Exxon Mobil Smart Card+™ to have some solid benefits and some possible drawbacks.
This is a closed-loop fuel card that can only be used to make purchases at Exxon and Mobil stations, but its 6¢ discount at the pump leads the pack of station-branded gas cards.
Next up, let's dive into the details you should consider before applying. Here's a rundown of the card's key features, rates, and terms:
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BEST OVERALL RATING
★★★★★
4.6
- Earn up to 42¢ off per gallon for your first two months after account opening
- Apply for an Exxon Mobil Smart Card today, and if approved, enjoy two months of bonus savings after your account open date: Get 30¢ off every gallon of fuel at Exxon™ and Mobil™ stations
- Save 12¢ per gallon on premium fuel, 10¢ per gallon on other fuel grades every day
- Plus, get 5% back on the first $1,200 spent on non-fuel purchases per year, earned as a statement credit
- Feel secure with $0 liability on unauthorized charges.
- Access your funds at 200,000+ Cirrus ATMs. Cash advance fees apply.
- $0 Annual Fee
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N/A
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N/A
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30.99% (Variable)
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$0
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Average, Fair, Limited
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Additional Disclosure: The information related to ExxonMobil™ Smart Card has been collected by CardRates.com and has not been reviewed or provided by the issuer or provider of this product or service.
There's certainly a lot to like about the Exxon Mobil Smart Card+™. But just like with other cards we review, we stress that potential applicants should pay attention to this card's rates and fees as part of the bigger overall picture.
Let's dive deeper into those rates and fees, as they could make or break whether owning the card makes sense for you and your financial situation.
The interest rate, also known as APR (annual percentage rate), tells you what percentage of your balance you can expect to pay in interest annually if you carry a balance.
According to the issuer, the Exxon Mobil Smart Card+™ currently charges the following interest rates on purchases and balance transfers:
- Purchase Intro: N/A
- Balance Transfer Intro: N/A
- Regular APR: 30.99% (Variable)
Another possible expense to consider is the annual fee, which is the amount a cardholder is required to pay each year for the privilege of owning a particular card.
Here's the annual fee for the Exxon Mobil Smart Card+™ as listed by the issuer:
See site for details »
So far, we've covered the Exxon Mobil Smart Card+™ in great detail, from its many benefits to its current rates and fees. But what are your odds of approval? What credit score is needed to become a cardholder?
According to the issuer, the current general credit history requirement for the card is:
If you feel you have the credit needed for approval and you're ready to apply, you can do so online on the issuer's secure website.
Keep in mind that rates and features may change, so if you like what the card is offering today, you may want to apply now to lock it in its current terms before it's too late.
We've discussed the many benefits, drawbacks, and requirements of the Exxon Mobil Smart Card+™, but how does it rank versus similar cards on the market? Below are all the category-specific ratings our team gives the card, along with the card's ranking within each category.
Quick hint: Want to see our best-reviewed cards in each category? Simply click the category name to see our top picks:
All told, our team's review of the Exxon Mobil Smart Card+™ resulted in a rating of 4.6 out of 5.0, as the card features many pros and cons for a potential cardholder to consider. Ultimately, it's up to you to determine if the card's benefits outweigh its possible drawbacks. If you determine that it's a fit for your needs, you may want to apply soon, as terms throughout the industry change regularly.
We hope our guide has been helpful in learning all you need to know about the Exxon Mobil Smart Card+™. We wish you the very best on your financial journey!
Be sure to visit the official website for Exxon Mobil Smart Card+™ to learn complete details about its features and terms. If you’re not quite sure if Exxon Mobil Smart Card+™ is right for you, we encourage you to check out these guides to popular alternatives:
Before applying for the Exxon Mobil Smart Card+™ offer or any other offer, be sure you understand all fees, interest rates, and terms so you can make the best decision for your own financial goals.
Toby founded Digital Brands, the parent company of CardRates.com and its sister sites, and now serves as Chairman of the Board. He lends his 15 years of credit card industry experience to educate consumers on the responsible use of credit. His knowledge base spans credit card reward programs to credit repair, lending, and credit bureau reporting.
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