How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
Citi is an advertising partner.
The Exxon Mobil Smart Card+™ is best for people who spend a lot on gas each month and prefer Exxon or Mobil stations in particular — since the card can only be used to make purchases at those locations.
But if you’d prefer a gas credit card that can be used at different gas stations, as well as one that offers rewards on more than just gas purchases, a more flexible card like the Blue Cash Preferred® Card from American Express, may be a better fit.
We rounded up the pros and cons of the Exxon Mobil Smart Card+™, which is issued by Citibank, and compared it to other gas credit cards to help you decide if it’s the right fit for you.
Get 12¢/gal* in instant savings on every gallon of Synergy Supreme+™ premium gasoline or 10¢/gal* on other grades of Synergy™ fuel every time you fill up.
Intro Purchase APR
N/A
Regular Purchase APR
34.24% variable
Intro BT APR
N/A
Regular BT APR
N/A
Annual Fee
$0
Cash Advance Fee
5% of each cash advance; $10 minimum
Foreign Transaction Fee
N/A
Balance Transfer Fee
N/A
Savings on gas purchases
This card can help you save every time you fill up at Exxon or Mobil stations. Get 12¢/gal* in instant savings on every gallon of Synergy Supreme+™ premium gasoline or 10¢/gal* on other grades of Synergy™ fuel every time you fill up.
Sign-up bonus
With the Exxon Mobil Smart Card+™, get 30 cents off every gallon of fuel for the first 2 months after account open date.
$0 annual fee and no membership fees
The ExxonMobil Smart Card charges a $0 annual fee. Additionally, unlike the Costco Anywhere Visa® Card by Citi and the Sam's Club Mastercard — which also offer gas rewards — this card does not charge membership fees.
5% back on non-fuel purchases
Cardholders receive 5% back* in statement credit rebates on your first $1,200 in Exxon and Mobil in-store purchases and car washes each year. Note, lottery tickets, money orders and gift cards are not eligible.
Limited to Exxon or Mobil stations
You can only use this card at Exxon or Mobil locations, so there’s not much flexibility. If you tend to fill up at a variety of gas stations, you may want to consider a gas credit card that can be used anywhere.
High APR
The ExxonMobil Smart Card has a high ongoing APR of 34.24% variable, which is not ideal if you plan to carry a balance on your card from month to month.
If you want to earn rewards on your gas purchases — but don’t want to be limited to earning them at Exxon or Mobil gas stations — the Blue Cash Preferred® Card from American Express is a great alternative.
The card offers Earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply. Note, gas purchased at superstores, supermarkets and warehouse clubs will not be eligible for the 3% cash back rate.
Additionally, cardholders earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
Unlike the Exxon Mobil Smart Card+™, the Blue Cash Preferred® Card from American Express offers an intro APR of 0% on purchases for 12 months from the date of account opening, then a 18.49%-29.49% Variable APR. The card also has an intro APR of 0% on balance transfers for 12 months, then a 18.49%-29.49% Variable APR applies.
| Credit Cards | Our Ratings | Welcome Offer | Rewards Rate | Annual Fee | Intro Purchase APR | Regular APR | Intro Balance Transfer APR | Regular Balance Transfer Rate | Balance Transfer Fee | Recommended Credit Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion | |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Exxon Mobil Smart Card+™*
|
Get 30 cents off every gallon of fuel for the first 2 months after account open date. | Get 12¢/gal* in instant savings on every gallon of Synergy Supreme+™ premium gasoline or 10¢/gal* on other grades of Synergy™ fuel every time you fill up. | $0 | N/A | 34.24% variable | N/A | N/A | N/A | Good / Excellent | ||
Blue Cash Preferred® Card from American Express*
|
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. | Earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply. | $0 intro annual fee for the first year, then $95. | 0% on purchases for 12 months | 18.49%-29.49% Variable | 0% on balance transfers for 12 months | 18.49%-29.49% Variable | Either $5 or 3% of the amount of each transfer, whichever is greater. | Good / Excellent | ||
Costco Anywhere Visa® Card by Citi*
|
N/A | 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter. 3% cash back on restaurants and eligible travel purchases. 2% cash back on all other purchases from Costco and Costco.com. 1% cash back on all other purchases. | $0 | N/A | 19.74% - 27.74% (Variable) | N/A | 19.74% - 27.74% (Variable) | Balance transfer fee applies with this offer; 5% of each balance transfer; $5 minimum. | Excellent | ||
Shell | Fuel Rewards® Mastercard®*
|
Save 30¢/gal (up to 35 gallons*) on your first five Shell fuel purchases made within the offer timeframe. | You can Save 10 cents per gallon on up to 35 gallons of gas. Plus, earn 10% in Shell rebates on your first $1,200 in non-fuel purchases per year, 2% in Shell rebates on dining and grocery store purchases each year (up to $10,000 in combined spending per year) and 1% in Shell rebates on all other purchases. | $0 | N/A | 34.24% variable | N/A | N/A | N/A | N/A |
The Exxon Mobil Smart Card+™ could be right for you if you fill up frequently for work or travel. However, because you can only use this card at Exxon or Mobil locations, it’s best for brand loyalists.
But if you’re looking for a card with more robust cash back benefits, the Blue Cash Preferred® Card from American Express may be a better fit, since it’s not limited to one location.
The information related to the Costco Anywhere Visa® Card by Citi and the Shell | Fuel Rewards® Mastercard® has been independently collected by LendingTree and has not been reviewed or provided by the issuers of these cards prior to publication.
The information related to the Exxon Mobil Smart Card+™, Costco Anywhere Visa® Card by Citi, Sam's Club Mastercard, Blue Cash Preferred® Card from American Express and Shell | Fuel Rewards® Mastercard® has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
