How to pay your ExxonMobil card bill
You can pay your ExxonMobil credit card bill online through your cardholder account, by phone, by mail, or in person at an ExxonMobil station. The fastest method is online through the ExxonMobil website or mobile app, where you can make a payment immediately and see it post within one to two business days. If you prefer not to use the internet, you can call the customer service number on the back of your card to pay by phone, or mail a check to the address listed on your statement.
The payment address and phone number appear on every monthly statement you receive. If you have lost your statement, you can find the customer service number on the back of your physical card. ExxonMobil does not charge a fee for any of these payment methods — online, phone, and mail payments are all free.
Key Takeaways
- Online payment through your ExxonMobil account is the fastest method and posts within one to two business days at no cost.
- Phone payments are processed the same day you call, and the customer service number is on the back of your card and on your statement.
- Mail payments take seven to ten business days to arrive and post, so send them at least two weeks before your due date to avoid a late fee.
- You can set up automatic payments from your bank account so your bill is paid on the same date each month without having to remember.
- Late payments carry a fee and can raise your interest rate, so paying by the due date shown on your statement matters even if you can only pay the minimum.
Paying online through your ExxonMobil account
To pay online, go to the ExxonMobil credit card website and log into your account using your card number and PIN or password. Once logged in, look for a "Make a Payment" or "Pay Now" button, usually located on the account dashboard or in a menu labeled "Payments" or "Account Services." You will be asked to enter the amount you want to pay and confirm the payment method — this is typically a bank account you have already registered, though some cardholders can also pay from a debit card.
The payment posts to your account within one to two business days. If you are paying close to your due date, call customer service instead to confirm the payment will arrive in time, since mail and online payments can take longer during high-volume periods. You can also set up a one-time payment or recurring automatic payments through the same online portal, which removes the need to remember your due date each month.
Paying by phone or automatic payment
Call the customer service number on the back of your card to pay by phone. A representative will ask for the amount you want to pay and will process it immediately. Phone payments typically post within one business day. This method works well if you are close to your due date and want confirmation that your payment has been received.
If you want to avoid calling every month, you can set up automatic payments during that same phone call or through your online account. Automatic payments deduct money from your bank account on a date you choose — usually your due date or a few days before. You can change or cancel automatic payments at any time by logging into your account or calling customer service.
Paying by mail
To pay by mail, write a check for the amount you owe and include your account number or a portion of your card number on the check. Mail it to the address shown on your statement under "Payment Address" or "Make Checks Payable To." Do not mail cash. Include only the check and the payment coupon from your statement if one is provided — do not include your full card number or other sensitive information in the envelope.
Mail payments take seven to ten business days to arrive and post to your account. If your due date is fewer than ten days away, do not rely on mail — use online payment, phone payment, or automatic payment instead. Sending a check two weeks before your due date gives you a safety margin in case the mail is delayed.
What happens if you miss your due date
If your payment does not arrive by the due date shown on your statement, your account will be considered late. ExxonMobil will charge a late fee, which varies but typically ranges from $25 to $40 depending on your account history and the terms of your card agreement. A late payment also triggers an increase in your interest rate, sometimes significantly, which means you will pay more interest on any balance you carry going forward.
A late payment stays on your credit report for seven years and can lower your credit score, making it harder to borrow money in the future. If you are unable to pay by the due date, call customer service immediately to discuss your options. Some cardholders can request a due date change or a temporary hardship plan, though these are not may provide.
Setting up automatic payments to avoid missed deadlines
Automatic payments are the simplest way to ensure you never miss a due date. You can set them up to pay your full statement balance, a fixed amount, or just the minimum payment each month. Most cardholders choose to pay the full balance to avoid interest charges, but you can change your automatic payment amount at any time.
To set up automatic payments, log into your online account and look for "Automatic Payments," "Recurring Payments," or "Autopay." You will need to provide your bank account number and routing number. Alternatively, call customer service and a representative can set it up for you over the phone. Once active, the payment will be deducted from your bank account on the date you choose, usually a few days before your statement due date.
Understanding your statement and due date
Your monthly statement shows your current balance, the minimum payment due, and the due date. The due date is the last day you can pay without triggering a late fee. Your statement also lists the payment address and phone number for customer service. If you receive your statement by mail, it typically arrives seven to ten days before the due date, giving you time to pay.
If you do not receive a statement in the mail, you can view it online by logging into your account. Statements are usually available online a few days before they arrive by mail. Reviewing your statement each month helps you catch any unauthorized charges and confirm that your payments have posted correctly.
Frequently Asked Questions
Can I pay my ExxonMobil card bill at a gas station?
Some ExxonMobil stations have payment kiosks or customer service desks where you can pay in person, but this is not available at all locations. Call customer service or check the ExxonMobil website to find stations near you that accept in-person payments. Online, phone, and mail payments are more widely available and faster.
What if I pay online but my payment does not show up?
Online payments typically post within one to two business days. If more than two business days have passed and you do not see the payment in your account, log back in and check your payment history to confirm the transaction went through. If the payment was processed but has not posted, call customer service with your confirmation number. If the payment was not processed, try again using a different payment method.
Can I change my automatic payment date?
Yes. Log into your account and select the automatic payment you want to change, then choose a new date. You can also call customer service to make the change over the phone. Changes usually take effect within one to two business days, so update your automatic payment at least a week before you want the new date to take effect.
What is the difference between the minimum payment and the full balance?
The minimum payment is the smallest amount you can pay without triggering a late fee, but it does not cover your full balance. Any unpaid balance carries interest at your card's annual percentage rate (APR). Paying the full balance each month avoids interest charges. Paying only the minimum means you will owe interest on the remaining balance.
Is there a fee for paying online or by phone?
No. ExxonMobil does not charge a fee for online payments, phone payments, or mail payments. The only cost of paying is the interest you owe if you carry a balance. Some third-party payment services may charge a fee to process your payment, but paying directly through ExxonMobil's website or by calling their customer service number is always free.