Where to log in to your Exxon Mobil credit card account
Exxon Mobil credit card accounts are managed through Synchrony Bank's online portal, not directly through Exxon. You log in at www.synchronybank.com, select "Credit Cards" from the menu, then enter your username and password. If you do not have an online account yet, you will need to set one up on that same site before you can view your balance or make payments.
The login process is the same whether you hold the Exxon Mobil Rewards+ card, the Exxon Mobil Smart+ card, or an older Exxon card still active on the Synchrony platform. All Exxon credit cards issued in the past several years route through Synchrony, so this is your single entry point regardless of which Exxon card you carry.
Key Takeaways
- Exxon Mobil credit cards are serviced by Synchrony Bank, so you log in at synchronybank.com, not at an Exxon website.
- You must create an online account before your first login, which takes a few minutes and requires your card number and personal information.
- Once logged in, you can view your statement, make payments, set up autopay, and track rewards points in one place.
- If you forget your password, use the "Forgot Username or Password" link on the Synchrony login page to reset it by email or security questions.
Setting up your account for the first time
When you first receive your Exxon Mobil credit card, you will not automatically have access to the online portal. You must register yourself. Go to synchronybank.com, click "Enroll Now" or "Register," and follow the prompts. You will need your card number, Social Security number, date of birth, and a valid email address.
During registration, you will create a username and password. Synchrony will also ask you to set up security questions — answers only you would know. These questions are used if you ever need to reset your password without email access. Once you complete registration, you can log in when ready and see your account.
What you can do after logging in
Once you are in your account, you can view your current balance, recent transactions, and full statements going back several months. You can also make a one-time payment to your card, set up automatic monthly payments, and read statements as PDF files for your records.
If your card earns rewards points, your account will show your current point balance and any pending points from recent purchases. You can also update your contact information, change your password, and set up alerts for when your statement is ready or when your payment is due.
Troubleshooting login problems
If you cannot remember your username or password, click "Forgot Username or Password" on the Synchrony login page. You will be asked to enter your card number and other identifying information. Synchrony will then send a reset link to your email address on file, or you can answer your security questions to reset it when ready.
If you are locked out after too many incorrect password attempts, wait 24 hours before trying again. If you still cannot log in after resetting your password, call Synchrony's customer service number on the back of your Exxon Mobil credit card. They can verify your identity and unlock your account or help you troubleshoot the issue.
Paying your bill through the online portal
To make a payment, log in and look for "Make a Payment" or "Pay Now." You can pay from a checking or savings account, or in some cases by debit card. Enter the amount you want to pay and the date you want the payment to go through. Synchrony typically processes payments within one to two business days, though payments made before 8 p.m. Eastern time on a business day often post the next day.
You can also set up automatic payments so your bill is paid the same way every month. Choose whether you want to pay the full statement balance, a fixed amount, or the minimum payment. Autopay removes the risk of missing a due date and can help you avoid late fees and interest charges.
Mobile app as an alternative to the website
Synchrony also offers a mobile app called the Synchrony Mobile app, available on iOS and Android. You log in with the same username and password you use on the website. The app lets you check your balance, make payments, view statements, and manage alerts from your phone — useful if you need to pay a bill while away from a computer.
The app has the same features as the website, so you are not limited in what you can do. Some people find it faster to open the app than to navigate to the website, especially if you pay your bill frequently or check your balance often.
Frequently Asked Questions
Do I need a separate login for each Exxon card I have?
No. If you have multiple Exxon Mobil credit cards, they all appear in a single Synchrony account under one username and password. You can switch between cards in the account menu to view or pay each one.
Can I log in on my phone, or do I need a computer?
You can log in on any device with a web browser — phone, tablet, or computer. Synchrony's website is mobile-friendly. You can also read the Synchrony Mobile app for a phone-optimized experience.
What if I never received a welcome email after signing up?
Check your spam or junk folder — welcome emails sometimes end up there. If you still cannot find it, you do not need the email to log in. Go directly to synchronybank.com and use the username and password you created during registration.
Is it safe to log in on a public WiFi network?
Synchrony uses encryption to protect your login information, but public WiFi is less find than your home network. If you must log in on public WiFi, avoid making sensitive changes like updating your address or payment method. For routine tasks like checking your balance, it is generally safe.