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CitiChecked Oct 4, 2026

EXXON MOBIL SMART CARD+™

No annual fee. Purchase APR 33.49%, variable.

Annual fee
Purchase APR

We don't earn anything from this link. Select any underlined figure to see where it comes from.

What it's worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
SpendingFirst yearAfter
Light spender$0$0
Typical spender$0$0
Heavy spender$0$0
The spending each assumes, a month
  • Light spender: groceries $300, dining $100, gas $100, everything else $500
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500

Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards

How it compares

  • No annual fee, like about 85% of the 626 cards we track.

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

How you earn · Exxon Mobil Rewards+™

  • 5%convenience store purchases and car washes at qualifying Exxon and Mobil stations

Rates and fees

Rates and fees for the EXXON MOBIL SMART CARD+™, each with its source
Annual fee
Purchase APRvariable
Cash advance APR
Cash advance fee
Minimum interest charge

Carrying a balance? See how long it takes to pay off

Benefits

  • Save 12¢ per gallon on Synergy Supreme+ premium gasoline purchases at the pump.
  • Save 10¢ per gallon on other Synergy fuel grade purchases at the pump, including regular, mid-grade and diesel fuel.
  • Get 5% back on convenience store purchases and car washes via statement credit on the first $1,200 in non-fuel purchases per year, including drinks, snacks and other items at qualifying Exxon and Mobil stations.
  • Grocery Rewards discounts may combine with Albertsons for U, Safeway for U, ACME for U, Shaw’s for U and Star Market for U discounts where available.
  • $0 liability on unauthorized charges.
  • Online account management to review charges and make or schedule payments.
  • Payment through the Exxon Mobil Rewards+ mobile app at participating stations.

Questions

What is the annual fee?
No annual fee citi.com, since Sep 29, 2026
What is the purchase APR?
33.49% APR citi.com, since Sep 29, 2026

Other cash back cards with no annual fee

Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).