ExxonMobil Preferred Smart Card

Best Branded Gas Credit Card for Unlimited Cash Back

ExxonMobil Preferred Smart Card

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Pros
  • Exclusive vacation deals through the ExxonMobil Travel Agency
  • Unlimited cash-back rewards on gas purchases
  • Rewards are automatically credited to your statement
Cons

The customer service allegedly stinks about as much as your favorite hockey player’s socks if your card becomes inactive or you rack up late charges. Also, because this is a branded card, you can only use it at Exxon/Mobil gas stations.

Highlights
  • $0.06 off every gallon
  • Monthly itemization for each card/person on your account
  • Citi® Identity Theft Solutions
  • Usable only at ExxonMobil stations
Details

Application Process:  Apply online or via the SpeedPay app. We recommend applying through the app because if you do, the company hooks you up with a generous cash-back bonus for the first 2 months (more on that under the “Bonus Offers” section).

Rewards: This card has fewer rewards than general credit cards, but it’s still the best branded gas credit card we’ve found. You get $0.06 back for every gallon of gas you buy at Exxon/Mobil locations, and the rewards are automatically credited to your statement the following month.

Craving a soda or hotdog? You can use the card inside, so feel free to grab some snacks after you fill your tank.

Bonus Offers: Save $0.25 per gallon the first 2 months you’re a cardholder. If you combine your ExxonMobil card with your SpeedPass by applying directly through the SpeedPay app, you can save $0.50 per gallon for the first 2 months.

APR:  This card has a 25.99% APR for regular purchases and a 29.99% APR for cash advances. Both rates are a little on the high side as far as credit cards go, but we’ve heard that you can get approved for this card with a fair or good FICO score. If you have excellent credit, you may do better with a different card that has a lower APR.

Annual Fee: We’ve seen several sites incorrectly report a $29 annual fee. As of August 2017, this ExxonMobil credit card has no annual fee.

Card attributes
  • Variable APR
    25.99%
  • Cash Advance APR
    29.99%
  • Rewards Rate
    $0.06 off every gallon
  • Annual Fee
    $0
  • Intro APR
    n/a
  • Bonus Offers
    n/a
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