You apply for the ExxonMobil Smart Card+ online through the Citi retail services portal, either by clicking “Apply” on the Smart Card+ page at the ExxonMobil fuels website or through the Exxon Mobil Rewards+ mobile app.1Exxon. Smart Card+ Exxon Credit Card2Google Play. Exxon Mobil Rewards+ The form takes a few minutes, and most applicants receive an instant decision. The card carries no annual fee and saves you 10 cents per gallon on regular, mid-grade, and diesel and 12 cents per gallon on Supreme+ premium at Exxon and Mobil stations.3Exxon Mobil. Fuel Rewards
One thing to know before you apply: this is a station-only card, not a general-purpose Mastercard. It works at Exxon and Mobil branded stations for fuel and in-store purchases but nowhere else. For a card that works everywhere, ExxonMobil offers the FleetPro card for commercial accounts.4Exxon. Gas Credit Card for Personal and Commercial Use
Who Can Apply
You need to be at least 18, live in the United States, and have a Social Security number. Citibank uses your SSN to pull your credit report and verify your identity.
Citibank evaluates your credit history as part of the approval decision. The card is generally accessible to applicants with fair credit, though Citibank does not publish an official minimum score. Federal law bars the issuer from factoring race, religion, national origin, sex, marital status, or age into the decision, provided you have the legal capacity to enter a contract.5Office of the Law Revision Counsel. 15 USC 1691 – Scope of Prohibition
What to Have Ready Before You Start
Gather everything before you open the form so you don’t have to stop midway. The application asks for nine pieces of information:
- Your full legal name, exactly as it appears on your government-issued ID. A mismatch is one of the fastest ways to trigger additional review.
- Date of birth.
- Social Security number.
- Physical home address, not a P.O. box.
- Residence status: own, rent, or other.
- Phone number.
- Email address you actually check, since Citibank sends application status updates there.
- Total annual net income, including wages, retirement income, and other money you can reliably use to pay debts.
- Monthly housing payment (mortgage or rent).
The income and housing figures let Citibank estimate your debt-to-income ratio. There is no minimum income, but if your housing payment consumes most of your paycheck, that affects the credit limit offered or whether you are approved.6Citi. Exxon Mobil Smart Card+ Credit Card
Filling Out the Form
The application is a single page broken into sections for identity, contact details, and finances. Required fields carry an asterisk, and the form will not submit until each one is filled. Work through them in order: name and date of birth, then address and contact information, then the financial section (income, housing payment, residence status), and finally your Social Security number.
Before you submit, scroll back and double-check your phone number, email, and SSN. A transposed digit in the Social Security number forces manual review and can delay or derail the whole application. Your data is encrypted before it reaches Citibank’s servers.
What Happens After You Submit
Most applicants get an instant decision on screen within seconds. If Citibank cannot verify your information automatically, you will see a pending notice instead. Citibank is required to notify you of the decision within 30 days of receiving your completed application.7Consumer Financial Protection Bureau. Regulation B – Section 1002.9 Notifications
If approved, your physical card arrives by mail within seven to ten business days.8Exxon. Exxon Mobil Smart Card+ Credit Card FAQs Activate it by calling the number on the sticker or following the instructions in the mailer before using it at the pump.
If Your Application Is Denied
A denial triggers a formal adverse action notice from Citibank. Federal law requires the issuer to tell you the specific reasons your application was turned down and to inform you of your right to request a free copy of the credit report used in the decision.9Federal Trade Commission. Using Consumer Reports for Credit Decisions – What to Know About Adverse Action and Risk-Based Pricing Notices You have 60 days from the date of that notice to request the free report.10Federal Reserve Bank of Philadelphia. Adverse Action Notice Requirements Under the ECOA and the FCRA
Common denial reasons include too many recent credit inquiries, a thin credit file, high existing debt relative to income, or derogatory marks like late payments or collections. If the denial letter points to something on your credit report that looks wrong, dispute it with the reporting bureau and consider reapplying once the issue is resolved. Waiting at least 30 days before resubmitting avoids stacking hard inquiries in a short window.
Account Terms to Review Before You Submit
The Smart Card+ carries a variable purchase APR that moves with the prime rate. Citibank discloses the current APR range on the application page before you submit, so read it there.6Citi. Exxon Mobil Smart Card+ Credit Card You avoid interest on purchases by paying the full statement balance by the due date each cycle. Miss a full payment and the grace period disappears until you pay the full balance by the due date for two consecutive billing cycles.11Citi. Exxon Mobil Smart Card+ Credit Card Disclosures Late payments carry a fee of up to $40.12Citi. Exxon Mobil Smart Card+ Credit Card Addendum