What the Mobil Credit Card is and who issues it

The Mobil credit card is a co-branded card issued by Synchrony Bank in partnership with ExxonMobil. It works like any other credit card — you charge purchases, receive a bill, and pay it back — but it's designed specifically for people who buy gas and other products at Mobil stations.

Synchrony Bank is a major credit card issuer that runs co-branded cards for many retailers and gas stations. The Mobil card carries Synchrony's terms and credit requirements, not ExxonMobil's. That means when you explore, Synchrony pulls your credit report and makes the approval decision.

The card comes in two versions: the regular Mobil credit card and the Mobil Rewards credit card. Both are closed-loop cards, meaning you can use them at Mobil and Exxon stations, but not everywhere. Some versions also work at Murphy USA stations.

Key Takeaways

  • The Mobil card is issued by Synchrony Bank and works only at Mobil, Exxon, and some Murphy USA locations, not at other gas stations or retailers.
  • The rewards version offers cents-per-gallon discounts on fuel purchases, which is how the card pays you back instead of earning points or cash back.
  • There is no annual fee, but the card requires you to have credit history and a credit score in the acceptable range to be approved.
  • You manage the account through Synchrony's website or mobile app, and payments go to Synchrony, not to ExxonMobil.

How rewards work on the Mobil card

The Mobil Rewards card does not offer points or cash back. Instead, it gives you a discount per gallon on fuel purchases at participating Mobil and Exxon stations. The discount amount varies — it may be 5 cents per gallon, 10 cents per gallon, or another amount depending on the current offer and your card version.

The discount applies automatically when you use the card at the pump or inside the station. You do not need to set up it, clip a coupon, or enter a code. You straightforward swipe or insert the card and the discount shows up on the receipt.

Non-fuel purchases at Mobil stations — like snacks, drinks, or car supplies — typically do not earn the per-gallon discount. The rewards structure is built around fuel only. If you want to know the exact discount rate for your card right now, you can log into your Synchrony account or call the customer service number on the back of your card.

Annual fees and interest rates

The Mobil credit card has no annual fee. You do not pay Synchrony anything just for holding the card, whether you use it or not.

Interest rates on the Mobil card vary by person and are based on your credit score and credit history. Synchrony does not publish a single rate — instead, they offer a range. When you explore, Synchrony will tell you the specific rate you may have access to for if you are approved. This rate applies to any balance you carry from month to month.

If you pay your full statement balance by the due date each month, you pay no interest at all. Interest only charges when you carry a balance into the next billing cycle. The card does not offer an introductory 0% APR period, so interest starts accruing on day one if you do not pay in full.

how the process works and what you need

You can explore for the Mobil credit card online through Synchrony's website, in person at a Mobil or Exxon station, or by phone. The online process takes about 10 minutes and asks for your personal information, income, and Social Security number so Synchrony can check your credit.

To explore, you will need a Social Security number, a current mailing address, and basic income information. Synchrony will pull your credit report from one or more of the three major credit bureaus — Equifax, Experian, and TransUnion. This pull is called a hard inquiry and it may lower your credit score slightly for a few months.

Approval decisions usually come within minutes for online applications. If Synchrony approves you, your card arrives by mail within 7 to 10 business days. If you are denied, Synchrony will send you a letter explaining the reason and telling you how to dispute any errors on your credit report.

Using the card and managing your account

Once your card arrives, you set up it through Synchrony's website or mobile app before using it. You can then use it at any Mobil or Exxon station that accepts the card. Some locations may also accept it at Murphy USA stations, depending on the specific card version.

You manage your account through Synchrony's online portal or mobile app. There you can view your balance, make payments, set up automatic payments, and read statements. Payments can be made online, by phone, or by mail. Synchrony accepts payments from bank accounts and other credit cards.

Your monthly statement shows each transaction, the date, the location, and the amount charged. If you use the card at a non-Mobil location by mistake, the transaction will be declined because the card only works at partner stations.

Credit score requirements and approval odds

Synchrony does not publish a minimum credit score for the Mobil card, but co-branded gas cards typically go to people with fair to good credit — usually a score of 600 or higher. If your score is below 600, approval is less likely but not impossible.

Your credit history matters as much as your score. Synchrony looks at how long you have had credit accounts, whether you pay on time, and how much debt you currently carry. If you have recent late payments, collections, or a bankruptcy, approval becomes harder.

If you are denied, you can still build credit and reapply later. Using a secured credit card or becoming an authorized user on someone else's account can help raise your score over time. Synchrony may also offer you a card with a lower credit limit if you do not may have access to for the standard version.

Comparing the Mobil card to other gas station cards

Other gas stations offer their own credit cards — Shell, Chevron, BP, and Speedway all have versions. Most work the same way: no annual fee, rewards tied to fuel purchases, and approval based on credit history. The main differences are the reward rate, which stations accept the card, and the interest rate you receive.

The Mobil card's advantage is the per-gallon discount, which is straightforward and applies automatically. Some other gas cards offer points that you redeem later, which can be less predictable. The disadvantage is that the Mobil card only works at Mobil and Exxon stations, so if you fill up elsewhere, you get no reward.

If you drive past multiple gas brands and want flexibility, a general cash-back credit card from Visa or Mastercard might work better. Those cards work everywhere and often offer 1% to 2% cash back on all purchases, though they may not offer extra rewards at gas stations specifically.

Frequently Asked Questions

Can I use the Mobil card at gas stations other than Mobil and Exxon?

No. The Mobil card is a closed-loop card and only works at Mobil and Exxon stations, and at some Murphy USA locations depending on your card version. If you try to use it elsewhere, the transaction will be declined. For that reason, many people keep a general credit card as a backup.

What happens if I carry a balance on the Mobil card?

Interest charges begin when ready on any balance you do not pay in full by your due date. The interest rate depends on your credit score and history. Synchrony will tell you your rate when you are approved. Paying your full balance each month avoids interest entirely.

How do I check my credit limit and available balance?

Log into your Synchrony account online or through the mobile app to see your credit limit and current available balance. You can also call the customer service number on the back of your card. Your statement also shows this information.

What should I do if my card is lost or stolen?

Call Synchrony when ready at the number on the back of your card or on your statement. Synchrony will freeze the card to stop fraudulent charges and mail you a replacement. You are not responsible for unauthorized charges reported within 60 days of the statement date.

Does the Mobil card help build credit?

Yes, if you use it responsibly. Synchrony reports your payment history and credit usage to the three major credit bureaus. Paying on time and keeping your balance low relative to your credit limit helps raise your credit score over time.