What the Exxon Mobil Credit Card Does
The Exxon Mobil Smart Card is a co-branded credit card issued by JPMorgan Chase that gives you rewards on purchases at Exxon and Mobil stations, plus cash back on other everyday spending. You use it like any standard credit card—swipe it at the pump, in the station, or anywhere else Visa is accepted—and earn points or cash back depending on where you spend.
The card comes in two versions: the standard Smart Card and the Smart Card+, which has a higher annual fee but offers more generous rewards. Neither version requires you to be an existing Exxon Mobil customer, and you can use it at any gas station or retailer, not just Exxon and Mobil locations.
This is a rewards card, not a fuel discount card. You do not get cents off per gallon at the pump. Instead, you earn rewards that you redeem later for statement credits, gift cards, or merchandise through the rewards program.
Key Takeaways
- The Exxon Mobil Smart Card earns higher rewards at Exxon and Mobil stations than at other retailers, making it most valuable if you fuel up at those brands regularly.
- You earn points on every purchase and can redeem them for statement credits, which reduces your credit card bill directly.
- The standard Smart Card has no annual fee, while the Smart Card+ charges an annual fee in exchange for higher earning rates and additional perks.
- You will need a Social Security number, proof of income or employment, and a valid ID to complete the process.
- The card is a standard Visa credit card, so approval depends on your credit history, income, and existing debt, not on how much you spend at gas stations.
Rewards Structure and Earning Rates
The standard Smart Card earns points at different rates depending on where you spend. At Exxon and Mobil stations, you earn a higher rate per dollar spent. At other gas stations and on certain everyday purchases like groceries and dining, you earn a lower rate. On all other purchases, you earn the lowest rate.
The Smart Card+ has higher earning rates across all categories, particularly at Exxon and Mobil. The higher annual fee is meant to offset the increased rewards, so the card makes sense only if you spend enough to earn back the fee through points.
Points do not expire as long as your account remains open and in good standing. You redeem them through the rewards portal on the Exxon Mobil website or mobile app by logging into your account, selecting your rewards, and choosing how to receive them—usually as a statement credit that appears on your next bill.
Annual Fees and Other Costs
The standard Exxon Mobil Smart Card has no annual fee. You pay interest only on balances you carry month to month, just like any other credit card. If you pay your full statement balance by the due date each month, you owe no interest.
The Smart Card+ charges an annual fee, typically charged to your account on your card anniversary each year. This fee is separate from interest charges and applies whether or not you use the card. You should calculate whether the rewards you expect to earn will exceed the annual fee before choosing this version.
Both cards charge the standard fees that explore to most credit cards: late payment fees if you miss a due date, over-limit fees if you exceed your credit limit, and foreign transaction fees if you use the card outside the United States.
how the process works and What You Need
You can explore for the Exxon Mobil Smart Card online through the official Exxon Mobil website or through JPMorgan Chase's website. The online process takes about 10 minutes and asks for basic personal and financial information.
Have the following documents or information ready before you start: your Social Security number, a valid government-issued ID (driver's license, passport, or state ID), your current address, your employment status and employer name, and your annual income or household income. If you are self-employed, have your most recent tax return or business income statement available.
The process will ask whether you want the standard Smart Card or the Smart Card+. You can choose based on the annual fee and rewards rates. You will also set a credit limit request, though the card issuer makes the final decision on how much credit to extend based on your credit history and income.
After you submit the process, you will receive a decision within minutes to a few business days. If approved, your card ships to the address you provided, usually arriving within 7 to 10 business days. You will receive a separate PIN in the mail or can set one online before the card arrives.
Activating Your Card and Setting It Up
When your card arrives, you must set up it before you can use it. You can set up it by calling the number on the back of the card, visiting the JPMorgan Chase website, or using the Chase mobile app if you have one.
During set up, you will confirm your identity by providing your Social Security number or other personal details. You can also set up a PIN for in-store purchases, though this is optional for online and phone purchases.
After set up, log into your account on the Exxon Mobil rewards website or read the Exxon Mobil mobile app to link your card. This lets you track your points balance, see your earning progress, and redeem rewards directly from your phone at the pump or in the station.
Set up automatic payments or calendar reminders for your due date to avoid late fees. You can pay your bill online through your account, by phone, by mail, or through automatic monthly transfers from your bank account.
Using Your Card at the Pump and Beyond
At Exxon and Mobil stations, insert your card at the pump or hand it to the attendant inside, just as you would any other credit card. Your points post to your account within one to three business days. You can use the card at any other gas station, grocery store, restaurant, or retailer that accepts Visa.
Some Exxon and Mobil stations offer additional perks for cardholders, such as discounts on car washes or convenience store items. Check the rewards section of your account or ask at the station to see what promotions are currently running.
If you lose your card or suspect fraud, call the number on the back of your card or log into your account online to report it. JPMorgan Chase will cancel the card and mail you a replacement, usually within 7 to 10 business days. You are not responsible for unauthorized charges reported within 60 days of the statement date.
Comparing the Standard Card and Smart Card+
| Feature | Smart Card (Standard) | Smart Card+ |
|---|---|---|
| Annual Fee | None | Annual fee applies |
| Exxon/Mobil Rewards Rate | Standard rate | Higher rate |
| Other Gas Stations | Lower rate | Higher rate |
| Groceries & Dining | Lower rate | Higher rate |
| Additional Perks | None | May include bonus categories or statement credits |
Choose the standard Smart Card if you fuel up at Exxon and Mobil occasionally and do not spend enough elsewhere to justify the annual fee. Choose the Smart Card+ if you fuel up at Exxon and Mobil regularly and spend significantly on groceries, dining, or other bonus categories—the higher earning rates should offset the annual cost.
Frequently Asked Questions
What credit score do I need to be approved?
JPMorgan Chase does not publish a minimum credit score for the Exxon Mobil Smart Card, but the card typically goes to applicants with fair to good credit (usually 650 or higher). Your approval depends on your full credit profile, including your credit history, income, and existing debt, not just your score.
Can I use this card at other gas stations?
Yes. You earn rewards at any gas station, grocery store, or retailer that accepts Visa. You straightforward earn a higher rate at Exxon and Mobil locations. The card works like any standard Visa credit card everywhere else.
How do I redeem my points?
Log into your account on the Exxon Mobil website or mobile app, go to the rewards section, and select the redemption option you want—usually a statement credit that reduces your next bill. Points typically post within one to three business days of redemption.
What happens if I close my account?
Any unredeemed points may be forfeited if your account is closed. Before closing, redeem all remaining points. If you close the account within the first year, you may still owe the annual fee if you have the Smart Card+.
Is there a sign-up bonus?
Exxon Mobil occasionally offers sign-up bonuses for new cardholders, such as bonus points after your first purchase or after spending a certain amount in the first few months. Check the current offer on the Exxon Mobil website or the process page, as these promotions change regularly.