Exxon Mobil Credit Card: Features, Benefits, and How to Apply

The Exxon Mobil credit card is a gas rewards credit card that allows you to earn rewards on fuel purchases and more. Offered by Citibank, this credit card gives you 3% cash back on Exxon and Mobil fuel purchases, 2% cash back at restaurants and on travel, and 1% cash back on other purchases. With no annual fee, this can be a great gas rewards card for frequent drivers.

Exxon Mobil Credit Card

In this post, we’ll cover the key features and benefits of the Exxon Mobil credit card, how rewards work, eligibility and approval odds, and step-by-step instructions on applying online or in person.

An Overview of the Exxon Mobil Credit Card

The Exxon Mobil Smart Card is a Visa credit card issued by Citibank. As a co-branded gas rewards credit card, it offers enhanced rewards for Exxon and Mobil gas station purchases. You’ll enjoy:

  • 3% cash back at Exxon and Mobil stations on fuel, auto repairs, and convenience store purchases
  • 2% cash back at restaurants and on travel
  • 1% cash back on all other eligible purchases
  • No annual fee

Cash back can be redeemed for statement credits or as Exxon or Mobil fuel credits. As a Visa credit card, it can be used anywhere Visa is accepted worldwide.

Eligibility Criteria

Approval for the Exxon Mobil card depends on your creditworthiness. Those with good to excellent credit scores (690 and above) have the best approval odds. Other eligibility criteria includes:

  • A valid Social Security Number
  • At least 21 years of age
  • A personal checking or savings account in your name

As a co-branded gas card, having an existing relationship with Exxon Mobil can also improve your chances for approval.

Earning and Redeeming Rewards

The Exxon Mobil card makes it easy to rack up rewards through everyday spending. Here’s a look at how rewards earnings and redemptions work:

Earning Rewards

You’ll earn:

  • 3% cash back on eligible Exxon and Mobil fuel purchases, auto repairs, and at convenience stores
  • 2% cash back at restaurants and on qualifying travel purchases
  • 1% cash back on all other purchases

There is no limit on the amount of cash back rewards you can earn.

Redeeming Rewards

Cash back rewards don’t expire, so you can let them accumulate. You can redeem rewards:

  • As a statement credit to your account
  • For Exxon or Mobil fuel credits

A $15 minimum redemption amount applies to redemptions. Statement credits are typically applied within 1 to 2 billing cycles.

Card Benefits

The Exxon Mobil credit card comes with an array of benefits to maximize value:

  • No Annual Fee: There is no annual fee for the card. This makes it easy to keep long term.
  • 0% Intro APR Offer: New cardmembers can qualify for 0% intro APR on purchases and balance transfers for 12 months from account opening. This intro period can save on interest.
  • Car Rental Insurance: When you use the card to pay for a rental car, you can be covered for theft and collision damage. Certain terms and restrictions apply.
  • Roadside Dispatch: Get 24/7 roadside assistance for things like towing, tire changes, jump starts, and more when traveling. Fees may apply.
  • Travel Accident Insurance: Receive coverage for common carrier accidental death or dismemberment when tickets are purchased with the card.
  • Visa Benefits: As a Visa card, the Exxon Mobil card comes with Visa benefits like fraud monitoring, $0 liability protection, and access to Visa concierge.

Ready to Apply for the Exxon Mobil Card?

With strong bonus categories and easy redemption options, the Exxon Mobil credit card can be a smart choice for frequent drivers and commuters.

If you’re ready to apply, you can get started online, by phone, or at a branch in minutes. Be sure to review all rates, fees, and terms before submitting your application. With strategic use, this gas credit card can keep your tank full and earning potential high.

How to Apply for an Exxon Mobil Credit Card

Ready to apply for the Exxon Mobil credit card? You can submit an application online, by phone, or at a local branch.

Applying Online

The online application process is quick and secure. To apply:

  1. Go to the Exxon Mobil credit card application page and click “Apply Now”
  2. Provide basic personal information like name, address, date of birth, and Social Security Number
  3. Confirm card options like 0% intro APR offer
  4. Submit income, housing, and employment details
  5. Review and accept terms and conditions

You’ll receive an instant decision on approval. If approved, you can activate your new card account right away.

Applying By Phone

To apply by phone, call 1-800-933-5595. You’ll provide the same information and receive a quick decision.

Applying at a Branch

Visit a local Citibank branch to submit an application in person. Bring valid ID and required financial information. An on-site representative can discuss eligibility and options.

Alternatives to Consider

The Exxon Mobil credit card is a solid gas rewards card, but may not be right for everyone. Some other options to consider include:

  • PenFed Platinum Rewards Visa – 5 points per dollar on gas with no cap
  • Blue Cash Preferred from American Express – 3% back on gas up to $6,000 spent annually
  • Wells Fargo Propel Card – 3 points per dollar on gas, dining, and more
  • Costco Anywhere Visa – 4% back on eligible gas worldwide

Compare rewards rates, fees, and other perks across these and other options. Choose the gas rewards credit card that aligns closest with your spending and needs.

Get the Most from Your Exxon Mobil Credit Card

The Exxon Mobil gas rewards credit card can provide great value through strategic use. Consider these tips:

  • Use it as your primary gas card – Pump Exxon and Mobil gas exclusively with this card to maximize fuel savings
  • Stack rewards with Exxon Mobil fuel rewards program – Link your credit card to an Exxon or Mobil rewards account to double up
  • Use for travel and dining – Earn 2% back in popular bonus categories
  • Set up autopay – Pay your bill in full each month automatically to avoid interest
  • Track rewards – Monitor your earnings and redemptions through your online account

Logging In to Your Exxon Mobil Credit Card Account

To access your Exxon Mobil credit card account online, you’ll first need to register for an online profile. Here are the steps:

  1. Go to the Exxon Mobil credit card login page at citiretailservices.citibankonline.com
  2. Click “Register Now” below the login fields.
  3. Provide your card number, Social Security Number, and other identifying details.
  4. Create a username and password.
  5. Accept the website terms and conditions.
  6. Click “Submit” to complete your registration.

Once registered, you can log in anytime with your username and password to view your account dashboard. Here you can check your balance, view recent transactions, redeem rewards, make payments, and more.

Making Payments on Your Exxon Mobil Credit Card

To keep your Exxon Mobil credit card in good standing, it’s important to make at least the minimum payment by the due date each month. You have multiple options for making payments:

Pay Online

Once logged into your account, you can make one-time or recurring payments. Processing is quick with options like instant debit from a bank account or same-day phone payments.

Pay by Phone

Call the number on the back of your card and follow the automated prompts to make a payment. You can speak to a representative if needed.

Pay by Mail

Send a check or money order to the payment address listed on your statement. Allow 5-7 days for processing. Include your payment stub for faster processing.

Pay at a Branch

Visit a local Citibank branch to make a payment in person with cash, check, or money order.

Be sure to pay on time each month to avoid late fees and credit score damage. Set up autopay or payment reminders for hassle-free payments.

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