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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

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Highlights
Highlights
Purchase APR  (Variable APR) 27.24%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 650 - 850
Annual Fee $0

Exxon Mobil Smart Card Review

Exxon Mobil Smart Card is a store rewards credit card issued by Citibank. If you're wondering whether Exxon Mobil Smart Card is the right card for you, read on. This is everything you need to know 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 27.24%
  • 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.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.

Exxon Mobil Smart Card Pros and Cons:

The Good The Bad
  • No annual fee.
  • Cardholders can earn rewards on their purchases.
  • Exxon Mobil Smart Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • You don't earn rewards on every purchase.
  • Does not include many credit card rewards.

Is there a Exxon Mobil Smart Card cash back or rewards program?

Exxon Mobil Smart Card offers a rewards program to its customers. This card features rewards for purchases in the following categories:

  • Gas
Exxon Mobil Smart Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A
Signup Bonus Spend Requirement $0

Does Exxon Mobil Smart Card have a signup bonus?

Exxon Mobil Smart Card doesn't offer a cash signup bonus.

Does Exxon Mobil Smart Card offer an annual loyalty bonus?

Exxon Mobil Smart Card doesn't offer a cash loyalty bonus.

What are the relevant APRs for Exxon Mobil Smart Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Exxon Mobil Smart Card has higher than average purchase APRs.

Exxon Mobil Smart Card has a variable purchase APR of 27.24%. It also has a variable cash advance APR of 29.99% .

Does Exxon Mobil Smart Card have an introductory APR offer on balance transfers?

No, Exxon Mobil Smart Card does not come with an introductory APR offer for balance transfers.

Does Exxon Mobil Smart Card have an introductory APR offer on new purchases?

Exxon Mobil Smart Card does not offer an introductory rate on new purchases.
Exxon Mobil Smart Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Exxon Mobil Smart Card?

The following fees apply to Exxon Mobil Smart Card:

Exxon Mobil Smart Card Fees
Fees Amount
Annual Fee $0
Late Payment Fee $38

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

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 can help improve your credit score.

How to apply for Exxon Mobil Smart Card

  • Visit the Exxon Mobil Smart 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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...

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 $10
Cash Advance Fee (%) 5% - 29.99%
Minimum Cash Advance Fee ($) Starting at $10
Minimum Interest Charge $2
Late Fee Amount $38
Customer Type Personal
Minimum Age 18
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
Card Type
  • Gas
  • Rewards
  • Store Card
Card Network Other
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Bonus Rewards Get .12 off every gallon of Synergy fuel for the first 2 months with your Exxon Mobile Smart Card.
Rewards Categories Gas
Cash Advance APR (Variable APR) 29.99%
Purchase APR (Variable APR) 27.24%

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SUPERMONEY NET RECOMMENDATION SCORE

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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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