Verdict: The ExxonMobil card has good services, although the APR is a very high 21.00%. As long as balances are paid within the grace period a cardholder can take advantage of the itemized statements to track your spending on gasoline and have the convienence of the SpeedPass.

Overview:
The ExxonMobil Personal card is good at over 11,000 Mobil and Exxon locations. The card comes with free SpeedPass, which attaches to your keyring, allowing you to just “point and pump,” no longer needing to pull out your credit card to use it. You also get free online account management, free cards for all the drivers in your family, itemized statements, 0% fraud liability, and the ability to choose your own due date, all with no annual fee.

How This Card Works:
This card is good at all Mobil and Exxon stations and comes with free SpeedPass for your keychain and extra cards for all drivers in your family. With an APR of 21.00%, it’s important to pay your balance in full each month to take advantage of the convienence of your ExxonMobil Personal card. The ExxonMobil Personal card also gives you itemized statements each month, allowing you to track your spending on gasoline. You can also use this card at ATMs to make cash advances with an APR of 21.00% and 3% (minimum $5).

Travel and Shopping Benefits:
There are no travel or shopping benefits with the ExxonMobil Personal card.

Fees:
The variable APR for purchases and cash advances with the ExxonMobil card is 21.00%, with a default rate of 24.00%. The grace period is at least 26 days, as long as balances are paid in full each month. The cash advance fee is 3%, with a minimum charge of $5. Late fees are $10 for balances between $15 and $51, $15 for balances between $51 and $151, and $29 for balances above $151. There’s no annual fee.

Pros:

• No annual fee.
• Reasonable late charges.
• Speedpass.
• Free cards for all drivers.
• Itemized statements.
• Ability to choose a biling date.
• 0% fraud liability.

Cons:

• High APR of 21.00%.
• No rewards.

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