Fill up twice a week and the pump feels like a second rent payment. So a card that shaves cents off every gallon sounds like an easy win. The exxon mobil credit card promises exactly that, but the savings come with one of the highest interest rates in the gas-card world. Before you apply, it helps to see the full picture.
This review breaks down what the exxon mobil credit card offers, what it costs, and who it actually fits. We will also look at a few lower-cost credit-builder cards that can help you build credit without the steep APR.
What Is the Exxon Mobil Credit Card?
The exxon mobil credit card, officially the Exxon Mobil Smart Card+, is issued by Citi. It is a co-branded fuel card aimed at drivers who regularly fill up at Exxon and Mobil stations.
The headline perk is per-gallon savings. As of June 2026, cardholders save about 12 cents per gallon on Synergy Supreme+ premium and 10 cents per gallon on other Synergy fuel grades. You also earn 5% back as a statement credit on the first $1,200 in non-fuel purchases per year, which covers convenience store items and car washes.
Unlike a general Visa or Mastercard, the original Smart Card is a closed-loop card, meaning it only works at Exxon and Mobil locations. The Smart Card+ version can be used more widely. Check Exxon's website for current acceptance details, since the lineup changes.
Exxon Mobil Credit Card Fees and APR
Here is where the math gets tricky. The card charges no annual fee, which is a plus. But the interest rate is steep.
As of June 2026, published APRs for the exxon mobil credit card range from roughly 28.74% to 33.24% variable, depending on the source and your creditworthiness. The cash advance APR runs around 29.99%. APRs vary by creditworthiness, so your rate could land anywhere in that range. Terms and conditions apply.
To put that in perspective, the average credit card interest rate sits lower than the top of this card's range. If you carry a balance, the interest can quickly erase the per-gallon savings you worked to earn.
Who Should Consider the Exxon Mobil Credit Card?
This card makes the most sense for a specific driver: someone who fills up often at Exxon or Mobil, pays the balance in full every month, and wants modest fuel savings. If you never carry a balance, the high APR never touches you.
It is a weaker fit if your credit is still growing or if you sometimes carry a balance. A closed-loop or near-closed-loop gas card does little to broaden your credit profile, and the interest can pile up fast.
If your main goal is building credit rather than saving on gas, a dedicated credit-builder card is usually the smarter starting point. These cards report to all three bureaus and often cost far less to carry. One popular option is the Self Visa® Credit Card. You can learn more about the Self Visa® Credit Card below.
The Self Visa pairs a small savings plan with a secured card, so you build credit and a little cash cushion at the same time. It is a common first card for people rebuilding after a setback.
Another route worth a look is the Current Build Card, which connects to your everyday spending account and reports activity to help your score grow over time.
Current Build Card
Current Build Card
$0 annual fee. No minimum deposit required. No credit check required. 1 point per dollar on eligible categories. Reports to Experian, TransUnion, Equifax.
Fee
$0
APR
0%
Minimum Deposit Amount
$0
Credit Check
No
Cashback
1 point/dollar on eligible categories (with qualifying payroll deposit)
Benefit
No credit check, no deposit minimum
The Current Build Card works with money you set aside, so you are spending your own funds while still building a payment history. That structure can lower the risk of a surprise balance.
If you prefer a low-cost, app-first option, the Kikoff Secured Credit Card is another credit-builder that keeps costs down while reporting your on-time payments.
Kikoff Secured Credit Card
Kikoff Secured Credit Card
Kikoff Secured Credit Card works like a debit card & checking account and performs like a credit builder. Build credit with your everyday purchases.
APR
0%
Minimum Deposit Amount
$0
Credit Check
No
Cashback
Yes
Benefit
0% interest. No credit check.
How These Compare to the Exxon Mobil Credit Card
The exxon mobil credit card is built for fuel savings, not credit building. Its rewards only matter if you fill up at Exxon and Mobil and avoid carrying a balance.
The credit-builder cards above flip the priority. They focus on reporting your payments to the bureaus, often with lower interest exposure and smaller deposits. You will not save on gas, but you may build a stronger score that unlocks better cards later. To compare deposit-based options, see our guide to the secured credit card.
Tips for Building Credit With Any Card
The card matters less than your habits. A few simple moves help no matter which card you carry.
Pay on time, every time. Payment history is the biggest factor in your score, and even one late payment can sting. Setting a reminder near your best time to pay your credit card bill can keep you on track.
Keep your balance low compared to your limit. Using a small share of your available credit signals that you manage credit well. Try to pay in full so interest never builds.
Check your credit regularly. Free monitoring through tools like Creditship.ai can help you spot errors and track progress over time.
Is the Exxon Mobil Credit Card Worth It?
For a frequent Exxon or Mobil driver who always pays in full, the exxon mobil credit card can deliver real fuel savings with no annual fee. The per-gallon discount adds up over a year of commuting.
For everyone else, the high APR is a real risk, and the card does little to broaden your credit. If building credit is your aim, a credit-builder card from the list above is likely the better fit. Terms and conditions apply, and APRs vary by creditworthiness.
Frequently Asked Questions
What credit score do you need for the Exxon Mobil credit card?
Exxon does not publish a hard cutoff, but the Smart Card+ generally favors applicants with fair to good credit. If your score is still growing, a credit-builder card may give you a better chance of approval. Terms and conditions apply.
Does the Exxon Mobil credit card have an annual fee?
No. As of June 2026, the exxon mobil credit card charges no annual fee. The main cost to watch is the high APR, which ranges from roughly 28.74% to 33.24% variable depending on your creditworthiness.
Can I use the Exxon Mobil credit card anywhere?
It depends on the version. The original Smart Card is closed-loop and works only at Exxon and Mobil stations, while the Smart Card+ can be used more widely. Check Exxon's website for current acceptance details.
Is the Exxon Mobil credit card good for building credit?
It can report your payments, but a fuel-focused card is not designed for credit building. A dedicated credit-builder card that reports to all three bureaus, such as those listed above, is usually a stronger choice for growing your score.
