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.
If you're looking for the best gas credit card, Blue Cash Everyday(SM) from American Express gives you a 2% cash back at virtually every gas station. With Blue Cash you also get 3% cash back at supermarkets, 2% cash back department stores, and 1% cash back on all other purchases.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.
Kevin Fleming founded CreditShout in 2008 to help people manage their credit and finances. Kevin wants to make it easy for anyone, regardless of their level of financial knowledge to understand credit cards and what may seem like the complex world of personal finance. | 
September 14th, 2010 at 2:25 pm
In the past nine months I have had nothing but problems with my ExxonMobil account. It started with me using my card “too much”. Apparently the card can’t be used more than three times in a 24 hour period and I occassionally use it more than three times. So I would have to call them up and say “ya everything is fine” Now, a week ago I moved so I put I did an address change online. Two days later I get three notices stating that the address is invalid (even though the notices arrived at the new address, ya go figure). I called the number on the notices and they “corrected” the problem. No the card doesn’t work at all; just gives me an “Invalid Card. Please see attendant” when I try to use it. Good thing I had a “real” credit card otherwise I would have been out of luck. I just called ExxonCraphole and cancelled my account. Oh, in case you’re wondering, I WAS a customer since 1997.