What the ExxonMobil Rewards+ Card offers

The ExxonMobil Rewards+ Credit Card gives you cents-per-gallon discounts at ExxonMobil and Mobil stations, plus rewards on other purchases. The card earns 3% cash back on ExxonMobil fuel purchases, 2% at grocery stores and restaurants, and 1% on everything else. You get an when ready 10 cents per gallon discount when you open the account, and the discount can increase to 15 cents per gallon based on your annual spending.

The card carries no annual fee. It is issued by U.S. Bank and works at any merchant that accepts Visa. If you fill up primarily at ExxonMobil stations and spend regularly on groceries or dining, the rewards structure can offset the cost of fuel over time.

Key Takeaways

  • You earn 3% cash back on ExxonMobil fuel, 2% at grocery stores and restaurants, and 1% elsewhere, with no annual fee.
  • The card includes an when ready 10 cents per gallon discount at ExxonMobil and Mobil stations, rising to 15 cents per gallon if you spend $25,000 or more annually.
  • Rewards are paid as statement credits that you can redeem toward your balance or future purchases.
  • The card is a Visa, so it works anywhere Visa is accepted, not just at ExxonMobil pumps.

How the fuel discount works

When you open the account, you receive an automatic 10 cents per gallon discount at ExxonMobil and Mobil stations. This discount applies every time you use the card to pay at the pump or inside the station. You do not need to enroll in a separate program or set up the discount—it is built into the card.

The discount can increase to 15 cents per gallon if you charge $25,000 or more to the card in a calendar year. This tier resets each January. If you reach the higher tier in one year, you keep the 15-cent discount through the following year, even if you do not spend $25,000 again. The discount applies only at ExxonMobil and Mobil branded stations, not at other fuel retailers.

Rewards on groceries, restaurants, and other purchases

Beyond fuel, the card earns 2% cash back on grocery store and restaurant purchases, which covers most everyday spending for many households. The 1% rate on all other purchases means you earn rewards on utilities, online shopping, travel, and anything else you charge to the card.

Rewards are calculated and posted to your account monthly. You can redeem them as a statement credit (reducing your balance), or in some cases transfer them to your ExxonMobil account for use at the pump. Check your account terms or contact U.S. Bank to confirm current redemption options, as these can change.

Annual spending and tier benefits

The card's main incentive is the tiered fuel discount. At $25,000 in annual charges, you move from the 10-cent discount to the 15-cent discount. For someone who fills up twice a week at ExxonMobil, this tier can mean $200 to $300 in annual fuel savings, depending on gas prices and tank size.

Reaching the higher tier requires consistent spending across the card. If you use it only for fuel, you may not hit $25,000 annually unless you drive very high mileage. Using the card for groceries, restaurants, and other regular purchases makes the threshold more achievable. Once you reach it, the discount stays locked in for the following year, giving you a may provide benefit even if spending dips.

Comparing the ExxonMobil card to other fuel cards

Other fuel cards offer different structures. The Chevron Techron Rewards Visa gives 4% cash back on Chevron and Texaco purchases and 1% elsewhere, with no annual fee. The Shell Fuel Rewards Visa offers 5 cents per gallon discount plus 1% cash back on all purchases. The Speedway Rewards Visa focuses on Speedway stations and convenience store purchases.

The ExxonMobil card's advantage is the tiered discount that can reach 15 cents per gallon, which is higher than many competitors' flat-rate discounts. Its disadvantage is that the 3% cash back on fuel is lower than some alternatives, and the 15-cent tier requires $25,000 annual spending. If you use a different fuel brand regularly, or if you do not spend enough to reach the higher tier, a different card may deliver more value.

Who benefits most from this card

The ExxonMobil Rewards+ card works best for people who fill up at ExxonMobil or Mobil stations at least once a week and spend regularly on groceries and dining. If you drive a large vehicle, have a long commute, or operate a small business with fuel expenses, the cumulative discount can be substantial.

The card is less valuable if you rarely visit ExxonMobil stations, or if you cannot reach the $25,000 annual spending threshold to unlock the 15-cent discount. It also requires good credit to be approved, as it is a rewards card with no annual fee and therefore targets borrowers with established credit history. If you have limited credit or are rebuilding, you may not be approved.

How to use the card and manage your account

Once approved, you receive the physical card by mail, typically within 7 to 10 business days. You can set up online account access through U.S. Bank's website or mobile app to monitor your balance, rewards, and spending toward the $25,000 tier.

At the pump, insert or tap the card like any other Visa. The discount is applied automatically at the point of sale. Inside the station, the card works at the register. You can also use the card anywhere Visa is accepted—online, at other retailers, or for bills—to earn the 1% or 2% rewards on those purchases. Track your annual spending in your account dashboard so you know when you are approaching the tier threshold.

Frequently Asked Questions

Do I have to use the card at ExxonMobil to get the discount?

Yes. The fuel discount applies only when you use the card at ExxonMobil or Mobil branded stations. You can use the card elsewhere to earn the 1% or 2% cash back rewards, but the cents-per-gallon discount is exclusive to those two brands.

What happens if I do not spend $25,000 in a year?

You keep the 10-cent per gallon discount. The 15-cent tier is optional—you are not penalized for not reaching it. You earn rewards on all purchases regardless of spending level, so the card remains useful even if you stay at the base discount.

Can I redeem rewards as cash or only as statement credits?

Rewards are typically redeemed as statement credits or transferred to your ExxonMobil account for fuel purchases. Some cards allow cash redemption, but this varies. Contact U.S. Bank directly to confirm your account's redemption options.

Is there a sign-up bonus?

Sign-up bonuses vary and change periodically. When the card is first released or during promotional periods, U.S. Bank may offer a bonus such as extra cash back or a statement credit. Check the current offer on the ExxonMobil or U.S. Bank website before you open an account.

What credit score do I need to be approved?

U.S. Bank typically approves this card for people with good to excellent credit, usually a score of 670 or higher. Exact requirements are not published, and approval depends on your full credit profile, not just the score. You can check if you pre-may have access to on the U.S. Bank website without affecting your credit.