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  Exxon Mobil Smart Card

Exxon Mobil Smart Card

in Personal Credit Cards from Citibank

Unaffiliated

Exxon Mobil Smart Card

Unaffiliated

in Personal Credit Cards from Citibank

Net Recommendation Score -100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

0 users recommend
0 users are unsure
2 users don't recommend
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Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) 26.49%
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 credit card issued by Citibank. If you're wondering whether Exxon credit card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 26.49%
  • 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.
  • Gas rewards. on eligible gas purchases.
  • Fair or better credit required. You will have good approval oods if your credit score is above650.
Pros & Cons of Exxon credit card
The Good The Bad
  • No annual fee.
  • Cardholders can earn rewards on purchases everywhere Exxon Mobil Smart Card is accepted.
  • Exxon Mobil Smart Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Does not include many credit card benefits.
Exxon credit card FAQ

Does Exxon credit card have a cash back or rewards program?

Exxon credit card is a rewards card.

Exxon credit card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus Spend Requirement $0

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?

It 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 is 15% for all credit cards and 17% for accounts that carry a balance. It has higher than average regular APRs.

It has a variable purchase APR of 26.49%. 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.

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?

The following fees apply:

Exxon credit card Fees
Fees Amount
Annual Fee $0
Late Payment Fee up to $40

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 Exxon credit card customer service number 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.

How do people rate the customer service and user experience of Exxon credit card?

Overall, Exxon credit card is strongly not recommended based on community reviews that rate customer service and user experience.

Does Exxon Mobil Smart Card report your account activity to credit bureaus?

Yes, Exxon Mobil Smart Card reports your account activity to the following credit reporting agencies:

  • 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 improve your credit.

How to apply for Exxon credit card

  • Visit the Exxon credit card website.
  • 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Minimum Interest Charge $2
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Cash Advance APR (Variable APR) 29.99%
Balance Computation daily balance.
Purchase APR (Variable APR) 26.49%
Card Type
  • Gas
  • Rewards
  • Store Card
Card Network Other

Exxon Mobil Smart Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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