Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
28.74%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
650 - 850
Annual Fee
$0
Exxon Mobil Smart Card+ Review
This is a store rewards card issued by Citi®. If you're wondering whether Exxon Mobil Smart Card+ is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 28.74%
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Exxon credit card
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Exxon credit card FAQ
Does Exxon credit card have a cash back or rewards program?
Exxon credit card is a rewards card. This card features rewards for purchases in the following categories:
- Gas
| Description |
Does Exxon credit card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Exxon credit card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Exxon credit card benefits?
Exxon Mobil Smart Card+ provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Exxon credit card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.Exxon Mobil Smart Card+ has a variable purchase APR of 28.74%. Exxon Mobil Smart Card+ does not offer balance transfers. It also has a variable cash advance APR of 29.99% .
Does Exxon credit card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. Exxon Mobil Smart Card+ does not offer balance transfers.Does Exxon credit card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Exxon credit card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
What is the customer service phone number for Exxon credit card?
The customer service number for Exxon credit card is (800) 950-5114.
What is the support contact email for Exxon credit card?
The support contact email for Exxon credit card is customer.help@citi.com.
What is the login page for Exxon credit card?
You can access the login page of Exxon credit card here.
How do people rate the customer service and user experience of Exxon credit card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Exxon Mobil Smart Card+ report your account activity to credit bureaus?
Yes, Exxon Mobil Smart Card+ reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Citi® perform a hard credit pull?
Yes, Exxon credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Exxon credit card
- Visit the website of Exxon credit card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 6:00PM
Saturday
10:00AM - 3:00PM