ExxonMobil Smart Card+
Basic Information
Program ID: 011
Issuer: Citibank
Card Type: Credit
Network:
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 07:02
Last Scraped: 01/15/2026 05:15
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | Either $5 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $30.00
Spending Requirement: $0.00
Time Period: 60 days
Bonus Timing: Savings are typically applied directly to qualifying fuel purchases or as a statement credit within 1-2 billing cycles after the qualifying purchases are made.
Rewards Program
Reward Type: ThankYou Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x Supermarkets, 3x Restaurants, 3x Gas Stations, 3x Air Travel, 3x Hotels
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Points do not expire as long as account is active and in good standing.
Transfer Partners: Avianca LifeMiles, Cathay Pacific Asia Miles, Emirates Skywards, Flying Blue (Air France-KLM), JetBlue TrueBlue, Singapore Airlines KrisFlyer, Turkish Airlines Miles&Smiles, Virgin Atlantic Flying Club, Choice Privileges, Wyndham Rewards
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 800
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the welcome bonus requires that you have not received a new cardmember bonus for any card within the '011' family in the past 24 months. Additionally, Citibank typically enforces application velocity rules: generally, no more than one personal credit card application within an 8-day period, and no more than two personal credit card applications within a 65-day period. Applicants must also meet standard creditworthiness criteria.
Maximum Cards Per Issuer: 8
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (MS), high cumulative credit limit across all Citibank accounts relative to income, excessive credit cycling, unusual spending patterns inconsistent with typical consumer behavior, opening too many accounts with Citibank or other issuers in a short period (application velocity), defaulting on other Citibank products, or prolonged inactivity after meeting bonus spend.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.5 / 5.0
Top Positive Feedback:
Good rewards on gas purchases, easy to manage account, useful for frequent ExxonMobil customers, convenient for everyday fuel needs.
Top Negative Feedback:
High interest rates, rewards only useful at ExxonMobil, limited benefits outside of gas, customer service can be slow.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Shell Fuel Rewards Card
- Discover it Cash Back
- Citi Custom Cash Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $180.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 40% ExxonMobil / 60% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0