What the Exxon Mobil Rewards+ card offers
The Exxon Mobil Rewards+ card is a co-branded credit card issued by U.S. Bank that earns points on fuel and other purchases. You earn points at Exxon and Mobil stations, at partner merchants, and on all other card purchases. Points can be redeemed for fuel discounts, merchandise, or gift cards.
The card has no annual fee. It is open to people with fair credit or better, though the exact credit score needed varies by applicant. The card is issued by U.S. Bank, not by Exxon Mobil directly, so your account is managed through U.S. Bank's online portal and customer service.
This card is designed for people who buy fuel regularly at Exxon or Mobil stations and want to earn rewards on those purchases. If you rarely visit those stations, the rewards structure may not benefit you as much as a general-purpose card.
Key Takeaways
- The card earns points on fuel purchases at Exxon and Mobil, plus points on other everyday purchases at a lower rate.
- There is no annual fee, making it free to hold if you do not use it.
- Points are redeemed through the U.S. Bank rewards portal for fuel discounts, merchandise, or gift cards.
- The card is issued by U.S. Bank, so you manage your account and make payments through U.S. Bank's website or app.
How points are earned and what they are worth
You earn points at different rates depending on where you use the card. At Exxon and Mobil stations, you earn a higher rate per dollar spent. On other purchases—groceries, restaurants, utilities—you earn a lower rate. The exact point values change periodically, so check the card's terms or U.S. Bank's website for current rates.
Points accumulate in your U.S. Bank rewards account and do not expire as long as your account remains open and in good standing. If your account is closed or becomes inactive, point expiration policies may explore, so keep your card active if you plan to redeem later.
When you redeem points for fuel, the discount is typically applied at the pump or at the register when you pay with the card. You can also redeem points for merchandise through the U.S. Bank rewards catalog or for gift cards to retailers and restaurants.
How to open an account and get your free guide
To open an Exxon Mobil Rewards+ card, visit the U.S. Bank website or the Exxon Mobil website, where you will find a link to the card process. You will need to provide your name, address, Social Security number, date of birth, and income information. The process takes about 10 minutes.
U.S. Bank will check your credit report and make a decision within minutes to a few business days. If you are approved, your card will be mailed to your address within 7 to 10 business days. You can set up the card through U.S. Bank's website or app once it arrives, or by calling the number on the back of the card.
Once your card is active, you can start earning points when ready on any purchase. To earn rewards at the pump, use your card at any Exxon or Mobil station. Your points will post to your account within a few days of each transaction.
Managing your account and making payments
Your Exxon Mobil Rewards+ account is managed through U.S. Bank's online portal at usbank.com or through the U.S. Bank mobile app. You can log in with your username and password to view your balance, recent transactions, available points, and current rewards offers.
Payments can be made online, by phone, by mail, or through automatic payment setup. To set up automatic payments, log into your U.S. Bank account, go to the payment settings, and choose the amount and date you want to pay each month. Automatic payments help you avoid late fees and keep your account in good standing.
Your statement is available online each month and can also be mailed to you if you prefer paper statements. You can change your statement delivery method in your account settings at any time.
Redeeming points and checking your balance
To check your current points balance, log into your U.S. Bank account online or open the mobile app. Your available points will display on your account dashboard. You can also call U.S. Bank customer service at the number on the back of your card to hear your balance.
To redeem points for a fuel discount, log into your rewards account and select the fuel redemption option. The discount will be applied to your card and can be used at any Exxon or Mobil station. Some fuel redemptions are automatic—your discount applies the next time you swipe your card at the pump.
For merchandise or gift card redemptions, visit the U.S. Bank rewards catalog through your online account. Browse available items, select what you want, and confirm the redemption. Gift cards are typically delivered by email or mail within 5 to 10 business days, depending on the retailer.
Fees, interest rates, and credit impact
The Exxon Mobil Rewards+ card has no annual fee. However, like all credit cards, it charges interest on balances you carry from month to month. The interest rate (APR) is based on your credit score and creditworthiness and is disclosed in your card agreement before you open the account.
Late payments, returned checks, and cash advances may incur fees. Foreign transactions may also carry a fee if you use the card outside the United States. Review your card agreement for the full fee schedule.
Opening a new credit card will create a hard inquiry on your credit report, which may lower your credit score slightly for a few months. Carrying a high balance relative to your credit limit can also lower your score. To protect your credit, keep your balance low and make all payments on time.
When the Exxon Mobil card makes sense and when it does not
This card is most useful if you buy fuel regularly at Exxon or Mobil stations and want to earn rewards on those purchases. If you drive frequently and fill up multiple times per month, the fuel rewards can add up. The card is also free to hold, so there is no cost to keeping it even if you use it occasionally.
The card may not be the best choice if you rarely visit Exxon or Mobil stations, prefer to buy fuel elsewhere, or already have a general-purpose rewards card that earns a higher rate on all purchases. Compare the rewards rates on this card to other cards you use to decide whether it is worth adding to your wallet.
If you are working to improve your credit score, opening this card can help by adding to your available credit and showing responsible credit use over time. However, if you are trying to minimize new credit inquiries, you may want to wait.
Frequently Asked Questions
Do I earn points if I pay with a different card at Exxon or Mobil?
No. You only earn Exxon Mobil Rewards+ points when you pay with the Exxon Mobil Rewards+ card itself. Paying with another card or with cash will not earn points toward this card's rewards program.
What happens to my points if I close the card?
Point expiration policies vary. Some programs allow you to redeem points for a period after closing, while others may forfeit unused points. Check your card agreement or contact U.S. Bank before closing your account if you have points you want to redeem.
Can I transfer points to another person or another rewards program?
Exxon Mobil Rewards+ points are tied to your account and generally cannot be transferred to another person or program. You can redeem your points for gift cards and give those to someone else, but the points themselves stay with your account.
How long does it take for points to show up after I make a purchase?
Points typically post to your account within 1 to 3 business days of a transaction. Fuel purchases at the pump may take slightly longer than in-store purchases. You can check your pending transactions in your U.S. Bank account to see when points are expected to post.
What if I dispute a charge on my card?
Contact U.S. Bank customer service at the number on the back of your card to report a disputed charge. U.S. Bank will investigate and may issue a temporary credit while the dispute is being reviewed. Keep records of your purchase and any communication with the merchant to support your dispute.