Exxon Mobil Smart Card+™
Citi and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Citi. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Exxon Mobil Smart Card+™ from Citi earns up to 0% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 0%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 0x points.
What does the Exxon Mobil Smart Card+™ earn in each category?
Dining is the strongest category at 0% effective value (0x points at about 0 cents each). The five-category effective-rate table on this page shows how Exxon Mobil Smart Card+™ compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 0% effective value (0x points at about 0 cents each). The five-category effective-rate table on this page shows how Exxon Mobil Smart Card+™ compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 0x points | 0% Top category |
| Grocery Supermarkets and grocery stores | 0x points | 0% |
| Gas Gas stations and fuel | 0x points | 0% |
| Travel Flights, hotels, transit | 0x points | 0% |
| Other General everyday spend | 0x points | 0% |
Madeen values points at about 0 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Exxon Mobil Smart Card+™?
The Exxon Mobil Smart Card+™ fits spenders who put meaningful volume in dining and can earn 0x points. Best for spenders who put meaningful volume in dining and can earn 0x points.
Exxon Mobil Smart Card+™ fits spenders who put meaningful volume in dining and can earn 0x points. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 0x points.
Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 0% effective (0x points).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- points value depends on how you redeem, not straight cash back.
Does the Exxon Mobil Smart Card+™ have an annual fee?
The Exxon Mobil Smart Card+™ has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the Exxon Mobil Smart Card+™?
The Exxon Mobil Smart Card+™ includes Get 5% back on convenience store purchases, Save 10¢/gal on other Synergy™ fuel grades, Save 12¢/gal on premium gasoline in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Get 5% back on convenience store purchases
You can get 5% back on purchases at participating Exxon and Mobil stations on items such as snacks, drinks, car washes and more — for your first $1,200 of non-fuel purchases per year. Excluded items include fuel, lottery tickets, money orders and gift cards.
Save 10¢/gal on other Synergy™ fuel grades
Instantly save 10¢/gal* on other fuel grade purchases at the pump.
Save 12¢/gal on premium gasoline
Instantly save 12¢/gal* on Synergy Supreme+™ premium gasoline purchases at the pump.
Related encyclopedia topics
Common questions about the Exxon Mobil Smart Card+™
Is the ExxonMobil credit card worth it?
The Exxon Mobil Smart Card+™ from Citi earns up to 0% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
What credit score is needed for an ExxonMobil credit card?
Madeen's catalog lists a typical credit range of Good for the Exxon Mobil Smart Card+™. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
Does the Exxon Mobil Smart Card+™ have an annual fee?
The Exxon Mobil Smart Card+™ carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Exxon Mobil Smart Card+™?
Dining is the strongest Madeen category for the Exxon Mobil Smart Card+™ at about 0% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Exxon Mobil Smart Card+™ charge foreign transaction fees?
The Exxon Mobil Smart Card+™ does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What credit score do you need for the Exxon Mobil Smart Card+™?
Madeen's catalog lists a typical credit range of Good for the Exxon Mobil Smart Card+™. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the Exxon Mobil Smart Card+™ compare to similar cards?
Compare the Exxon Mobil Smart Card+™ against Citi Custom Cash℠ (5% on Dining, $0 fee); Citi Forward (4% on Dining, $0 fee); Citi Prestige (4% on Dining, $495 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Exxon Mobil Smart Card+™ This card | Dining | 0% | $0 |
| Dining | 5% | $0 | |
Citi | Dining | 4% | $0 |
Citi | Dining | 4% | $495 |
| Dining | 3% | $99 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
Related Madeen guides
Related cards
See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Citi and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Citi. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure