How Exxon Mobil Rewards+ card bill payment works
The Exxon Mobil Rewards+ card is a co-branded credit card issued by U.S. Bank. You pay the bill the same way you would any other credit card — by sending a payment to U.S. Bank, the card issuer, not to Exxon Mobil. The payment goes toward your credit line balance, not toward your gas purchases directly.
U.S. Bank offers several ways to make a payment: online through their website, by phone, by mail, or in person at a U.S. Bank branch. The method you choose affects how quickly the payment posts to your account and whether you pay a fee.
Your monthly statement will show a due date, usually 21 to 25 days after the statement closes. Payments received by that date will not trigger a late fee. If you pay after the due date, U.S. Bank will report the late payment to credit bureaus and may charge a late fee — typically $25 to $40 for the first late payment, higher for subsequent ones.
Key Takeaways
- You pay U.S. Bank, not Exxon Mobil, and the payment covers your entire credit card balance, not just gas purchases.
- Online and phone payments usually post within one to two business days, while mail payments take seven to ten business days.
- Paying after your due date triggers a late fee and a report to credit bureaus that can lower your credit score.
- Setting up automatic payments through U.S. Bank removes the risk of forgetting a due date, though you can choose the payment amount.
Payment methods and how long each takes
Online payment through U.S. Bank's website or mobile app is the fastest and most common method. You log in with your username and password, enter the amount you want to pay, and confirm. The payment typically posts to your account within one business day. There is no fee for online payments.
Phone payments go through U.S. Bank's automated system or a customer service representative. Call the number on the back of your card. You will need your card number and routing information for your bank account. Phone payments also post within one business day and carry no fee.
Mail payments take longer because the check must travel to U.S. Bank's processing center, be opened, and be deposited. Allow seven to ten business days for a mailed check to post. Send your payment to the address shown on your statement under "Payment Address" — do not send it to an Exxon location.
In-person payments at a U.S. Bank branch are possible if you have a U.S. Bank account at that branch. The payment posts the same day. If you do not have a U.S. Bank account, this option is not available.
Setting up automatic payments to avoid late fees
U.S. Bank allows you to set up automatic payments from your checking or savings account. You choose the payment amount — full balance, minimum payment, or a fixed dollar amount — and the date each month when the payment should be withdrawn. This removes the risk of missing a due date.
To set up automatic payments, log into your U.S. Bank online account, go to the payment settings, and select "Automatic Payments." You will need to provide your bank account number and routing number. The system will verify your account with two small deposits, which you then confirm.
If you choose to pay the full balance automatically each month, your credit utilization ratio — the percentage of your credit limit you are using — will reset to zero each cycle. This can help your credit score. However, if you carry a balance intentionally, automatic full-balance payments will prevent that.
What happens if you miss a payment or pay late
A payment is considered late if it arrives after the due date shown on your statement. U.S. Bank will charge a late fee, usually $25 for the first late payment and up to $40 for subsequent ones within six months. The late fee is added to your balance and accrues interest.
More importantly, U.S. Bank reports late payments to the three major credit bureaus — Equifax, Experian, and TransUnion — within 30 days of the due date. A single late payment can lower your credit score by 50 to 100 points or more, depending on your current score and credit history. The impact is largest immediately after the late payment and gradually fades over time, but the late payment remains on your credit report for seven years.
If you are more than 60 days late, U.S. Bank may freeze your account and stop allowing new charges. If you reach 180 days late, the account may be closed and sent to collections. At that point, a debt collector may contact you, and the debt may appear on your credit report as a charge-off.
If you realize you will miss a due date, contact U.S. Bank before the date arrives. Explain your situation. While they cannot erase a late fee, they may be willing to waive it if you have a good payment history and this is your first miss. They cannot prevent the late payment from being reported to credit bureaus once it occurs.
Rewards points and how they work with bill payment
The Exxon Mobil Rewards+ card earns points on every purchase. At Exxon and Mobil stations, you earn points at a higher rate than you do elsewhere. These points accumulate in your rewards account and can be redeemed for discounts on fuel or other rewards.
Paying your bill does not earn rewards points — only purchases earn points. If you use the card to buy gas or other items, those transactions generate points. The payment itself is simply money moving from your bank account to U.S. Bank and does not trigger any rewards.
Your rewards balance is separate from your bill balance. Even if you carry a balance on your card and pay interest, you still own the points you have earned. If your account is closed or sent to collections, however, you may lose access to your rewards.
Paying off a balance versus making minimum payments
Your statement will show a minimum payment, usually 1 to 3 percent of your balance. Paying only the minimum keeps your account in good standing and avoids a late fee, but you will pay interest on the remaining balance.
U.S. Bank charges interest on balances carried from month to month. The interest rate — called the Annual Percentage Rate, or APR — varies based on your creditworthiness and current market conditions. The Exxon Mobil Rewards+ card APR typically ranges from 18 to 27 percent, though your actual rate depends on your credit score and history.
Interest is calculated daily on your balance. If you carry $1,000 at 20 percent APR, you will owe roughly $17 in interest that month. The longer you carry the balance, the more interest accumulates. Paying the full balance each month avoids all interest charges.
If you are carrying a balance and want to pay it down faster, paying more than the minimum each month reduces the total interest you will owe. Even an extra $50 per month can save you hundreds in interest over time.
Frequently Asked Questions
Can I pay my Exxon Mobil card bill at an Exxon or Mobil gas station?
No. Exxon and Mobil stations do not accept bill payments for the Exxon Mobil Rewards+ card. You must pay U.S. Bank directly through their website, phone line, mail, or a U.S. Bank branch. The card issuer and the gas station are separate entities.
What is the difference between my statement balance and my current balance?
Your statement balance is what you owed on the date your statement closed — usually the last day of the month. Your current balance includes any new purchases or payments made after the statement closed. You can pay either amount, but paying the full statement balance ensures you do not carry interest into the next cycle.
If I pay online, will the payment post before my due date?
Online payments typically post within one business day. If you pay on a Friday, it may not post until Monday. To be safe, submit online payments at least two business days before your due date. If your due date falls on a weekend or holiday, U.S. Bank extends the deadline to the next business day.
Can I change my payment due date?
Yes. Log into your U.S. Bank account online, go to account settings, and look for "Payment Due Date" or "Billing Cycle." You can request a change to a date that works better with your pay schedule. The change usually takes effect within one or two billing cycles.
What happens to my rewards points if I do not pay my bill?
As long as your account is open and in good standing, you keep your rewards points even if you carry a balance. However, if your account is closed due to non-payment or sent to collections, you may lose access to your rewards account and any points you have accumulated.