{"id":12691,"date":"2025-03-31T00:22:46","date_gmt":"2025-03-31T00:22:46","guid":{"rendered":"https:\/\/finderica.com\/?p=12691"},"modified":"2025-03-31T00:22:46","modified_gmt":"2025-03-31T00:22:46","slug":"5-things-to-know-about-the-exxon-mobil-credit-card","status":"publish","type":"post","link":"https:\/\/finderica.com\/?p=12691","title":{"rendered":"5 Things to Know About the Exxon Mobil Credit Card"},"content":{"rendered":"<div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">The Exxon Mobil Smart Card+ credit card is a no-frills &#8220;cents-off-per-gallon&#8221; gas station card that can help holders save money at the pumps. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">But stacked up against similar gas company cards, the Citi-issued Exxon credit card lacks some benefits and features that would otherwise make it a competitive option. For one, it\u2019s a \u201cclosed-loop\u201d card, meaning you can only use it at Exxon and Mobil stations. Plus, its rebates for non-fuel purchases won\u2019t get you very far. You\u2019d be better served by a general <\/span><span class=\"_28z5Fp _3-to_p\">rewards credit card<\/span><span class=\"_28z5Fp _3-to_p\"> that offers value back at gas stations and elsewhere.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Here\u2019s what to know about the card. <\/span><\/p>\n<\/div>\n<h2 class=\"_3P4ktl zeCuXk _28z5Fp _2w4PM3 _1My7YX\" data-currency=\"Text\"><span class=\"_3P4ktl zeCuXk _28z5Fp _3-to_p\">1. You can use it only within the Exxon brand<\/span><\/h2>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">The Exxon credit card is a closed-loop card meaning it can only be used at Exxon and Mobil stations, which makes the card limiting for holders. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">For example, Shell offers the &#8220;open loop&#8221; <\/span><span class=\"_28z5Fp _3-to_p\">Shell Fuel Rewards Mastercard<\/span><span class=\"_28z5Fp _3-to_p\"> \u2014 a counterpart to its closed-loop version \u2014 allowing cardholders to use it anywhere Mastercard is accepted. <\/span><\/p>\n<\/div>\n<h2 class=\"_3P4ktl zeCuXk _28z5Fp _2w4PM3 _1My7YX\" data-currency=\"Text\"><span class=\"_3P4ktl zeCuXk _28z5Fp _3-to_p\">2. It earns discounts on branded gas purchases <\/span><\/h2>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Cardholders get the following discounts at Exxon and Mobil pumps: <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<ul data-currency=\"List\" class=\"_2cGsD8\">\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Save 10 cents per gallon of regular, midgrade and diesel fuel you purchase.\u00a0<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Save 12 cents per gallon of premium fuel you purchase.\u00a0<\/span><\/p>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">In addition to those discounts, as of this writing, new cardholders are eligible for the following limited-time introductory offer: Through April 30, 2025, earn 30 cents off every gallon or more of Exxon and Mobil fuel purchases in the first month after account opening, paid as a statement credit.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">The card\u2019s discounts and introductory offer are comparable to what similar fuel company cards feature. And they can help you save a healthy amount of money on gas. But remember, you\u2019ll have to pump exclusively at Exxon and Mobil stations. <\/span><\/p>\n<\/div>\n<h2 class=\"_3P4ktl zeCuXk _28z5Fp _2w4PM3 _1My7YX\" data-currency=\"Text\"><span class=\"_3P4ktl zeCuXk _28z5Fp _3-to_p\">3. It comes with a cash-back rebate<\/span><\/h2>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Beyond gas discounts, the Exxon credit card earns 5% cash back in statement credit rebates on the first $1,200 of non-fuel purchases at Exxon and Mobil stations, per year. This includes convenience store and car wash purchases, but excludes items like gas, lottery, money orders and gift cards.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Given how small of a line item those kinds of purchases likely represent for most household budgets, the yearly rebate cap won\u2019t pose much of an obstacle. But it does mean that the most you can expect to save annually on things like gas-station potato chips, coffee and soda is $60.<\/span><\/p>\n<\/div>\n<h2 class=\"_3P4ktl zeCuXk _28z5Fp _2w4PM3 _1My7YX\" data-currency=\"Text\"><span class=\"_3P4ktl zeCuXk _28z5Fp _3-to_p\">4. You don\u2019t need the card to get Exxon discounts<\/span><\/h2>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Members of Exxon Mobil Rewards+, the company\u2019s free fuel rewards program, can also get you discounts and earn rewards for gas purchases. The program&#8217;s basic tier earns 3 points per gallon on fuel and 2 points for every $1 you spend in Exxon convenience stores and car washes. The tier above that, premium status, gets you 6 points per gallon of Supreme+ premium fuel you purchase at Exxon. (To achieve and maintain premium status, you must fill up with Supreme+ premium gas at least three times a month, with at least 8 gallons for each fill.) <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Mobil Rewards+ points are worth a SS Reader each and can be redeemed for gas and convenience store items. Put another way, members of the program\u2019s basic tier are earning a 3-cent discount per gallon of gas purchased and a 2-cent discount per dollar spent at Exxon and Mobil stores. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">The Exxon credit card offers higher discounts for gas purchases than the company&#8217;s rewards program, and you\u2019ll get your cents-off-per-gallon discount instantly without having to collect or redeem points. But because anyone can join the Exxon Rewards+ program for free, the value proposition for being a cardholder alone is a little lower.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Note that the Exxon credit card does not earn Exxon Mobil Rewards+ points, meaning you must pay with a different card to earn those points. That is, discounts earned with the card can&#8217;t be combined with points earned through the rewards program. <\/span><\/p>\n<\/div>\n<h2 class=\"_3P4ktl zeCuXk _28z5Fp _2w4PM3 _1My7YX\" data-currency=\"Text\"><span class=\"_3P4ktl zeCuXk _28z5Fp _3-to_p\">5. There are better gas cards<\/span><\/h2>\n<div>\n<div class=\"_3VJt4n _3VY1A7\">\n<div class=\"_3wlVa6 _2247K8 _14vxWx _2Ua6RU\" style=\"max-width:160px\">\n<figure class=\"_3ngNGS _2_Pyfm\">\n<div class=\"xkItPk\" style=\"background-color:transparent\">\n<div class=\"_30SBGi x6Nm1J\"><\/div>\n<\/div>\n<\/figure>\n<div class=\"_2_Pyfm\"><span class=\"_14cHu7 _2BxR5P\">SS rating\u00a0<button type=\"button\" aria-expanded=\"false\" aria-controls=\"nw-aria-ssr-4-13-1\" aria-haspopup=\"dialog\" data-currency=\"PopoverDisclosure\" class=\"_19GC0z\" title=\"How is this rating determined?\"><span class=\"_1Z-QXc\" aria-hidden=\"true\"><\/span><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\" class=\"_2ulGkX\" fill=\"currentcolor\" focusable=\"false\"><path d=\"M12 15.387c-.645 0-1.129.524-1.129 1.13 0 .644.484 1.128 1.129 1.128.605 0 1.129-.484 1.129-1.129 0-.605-.524-1.129-1.129-1.129zm.282-.968a.466.466 0 00.484-.484c0-1.733 3.145-1.612 3.145-4.314 0-2.056-1.854-3.266-3.951-3.266-1.815 0-2.823.726-3.67 1.814-.161.242-.12.525.121.686l.524.403c.202.121.484.08.646-.12.604-.767 1.21-1.17 2.379-1.17 1.613 0 2.338.847 2.338 1.653 0 1.734-3.145 1.492-3.145 4.314a.49.49 0 00.484.484h.645zM12 3.29c4.758 0 8.71 3.912 8.71 8.71A8.7 8.7 0 0112 20.71 8.673 8.673 0 013.29 12 8.699 8.699 0 0112 3.29zM12 2C6.476 2 2 6.516 2 12c0 5.524 4.476 10 10 10 5.484 0 10-4.476 10-10 0-5.484-4.516-10-10-10z\"><\/path><\/svg><\/button><span id=\"nw-aria-ssr-4-13-1\" hidden=\"\" style=\"display:none;position:fixed;left:100%;top:100%\" role=\"dialog\" tabindex=\"0\" data-dialog=\"true\" class=\"_2Dnq6l\" aria-label=\"How is this rating determined?\"><span style=\"font-size:30px;width:1em;height:1em;pointer-events:none;top:100%\" class=\"_3extVD _2piv35\" aria-hidden=\"true\"><\/span><\/p>\n<p>SS&#8217;s ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.<\/p>\n<p><\/span><\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Co-branded gas station credit cards typically aren&#8217;t showstoppers, but even for cards in this class, the Exxon credit card stacks up poorly because of its inflexibility and lack of valuable non-fuel rewards. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">If you&#8217;re willing to switch gas brands, you might instead consider the <\/span><span class=\"_28z5Fp _3-to_p\">BP credit card<\/span><span class=\"_28z5Fp _3-to_p\">, which \u2014 among co-branded gas cards \u2014 is essentially best in class. Not only does it earn discounts at BP and Amoco stations, but it <\/span><span class=\"_98KgO7 _28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">also<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> rewards holders for popular everyday expenses: 3% cash back at grocery purchases, 3% cash back on dining purchases, and 1% cash back on all other non-fuel purchases. And because you&#8217;re earning cash back (not points or &#8220;cents off&#8221;), redemption is highly flexible.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Alternately, if you don&#8217;t want to be tied down to just one or two gas station brands, a general rewards credit card will be the best bet of all. The <\/span><span class=\"_28z5Fp _3-to_p\">Blue Cash Everyday\u00ae Card from American Express<\/span><span class=\"_28z5Fp _3-to_p\">, for instance, earns 3% cash back (in the form of statement credit) at U.S. gas stations on up to $6,000 spent per year; 3% back at U.S. supermarkets on up to $6,000 spent per year; and 3% back on U.S. online retail purchases on up to $6,000 spent per year. It offers 1% back on other purchases. Terms apply; <\/span><span><span class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">see <\/span><a class=\"_28z5Fp _2JIHTU vLzrnO _3mJuQ4\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-everyday-credit-card\/26129-10-0\/?print#terms-details\" data-currency=\"Link\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><span class=\"_28z5Fp _3-to_p\">rates and fees<\/span><\/a><\/span><\/span><span class=\"_28z5Fp _3-to_p\">. The <\/span><span class=\"_28z5Fp _3-to_p\">$0<\/span><span class=\"_28z5Fp _3-to_p\">-annual-fee card also features a rich welcome bonus: <\/span><span class=\"_28z5Fp _3-to_p\">Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Terms Apply.<\/span><span class=\"_28z5Fp _3-to_p\"> <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<div>\n<div class=\"_3wlVa6 _2247K8 _3eCw6n\"><span class=\"_28z5Fp _3-to_p\"><span class=\"_98KgO7 _28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">To view rates and fees of the <\/span><span class=\"_28z5Fp _3-to_p\">Blue Cash Everyday\u00ae Card from American Express<\/span><span class=\"_28z5Fp _3-to_p\">, see <\/span><a class=\"_28z5Fp _2JIHTU vLzrnO _3mJuQ4\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-everyday-credit-card\/26129-10-0\/?print#terms-details\" data-currency=\"Link\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><span class=\"_28z5Fp _3-to_p\">this page<\/span><\/a><span class=\"_28z5Fp _3-to_p\">.<\/span><\/span><\/span><\/div>\n<\/div>\n<\/div>\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_98KgO7 _28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">information related to the Exxon Mobil Smart Card+ credit card and the Shell Fuel Rewards Mastercard has been collected by SS and has not been reviewed or provided by the issuer or provider of these products or services.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<p><a href=\"https:\/\/www.nerdwallet.com\/article\/credit-cards\/exxon-credit-card\" target=\"_blank\" rel=\"noopener\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Exxon Mobil Smart Card+ credit card is a no-frills &#8220;cents-off-per-gallon&#8221; gas station card that can help holders save money at the pumps. But stacked up against similar gas company cards, the Citi-issued Exxon credit card lacks some benefits and features that would otherwise make it a competitive option. For one, it\u2019s a \u201cclosed-loop\u201d card,<\/p>\n","protected":false},"author":1,"featured_media":12692,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[195],"tags":[369,238,1601,5254],"class_list":{"0":"post-12691","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"tag-card","9":"tag-credit","10":"tag-exxon","11":"tag-mobil"},"_links":{"self":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts\/12691","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=12691"}],"version-history":[{"count":0,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts\/12691\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/media\/12692"}],"wp:attachment":[{"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=12691"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=12691"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=12691"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}