What Mobil offers beyond the pump
Mobil is a gas station brand owned by ExxonMobil, operating thousands of locations across the United States. At most Mobil stations, you can buy fuel, pay for a car wash, and use a rewards program called Speedpass+ to earn points on purchases. Mobil also sells convenience items — snacks, drinks, coffee — and some locations have a Mobil On The Run convenience store attached.
The main financial tool Mobil offers is Speedpass+, a digital wallet and rewards program you access through a mobile app or a physical card. You earn points on fuel and in-store purchases, and those points convert to discounts on future fuel or merchandise. There is no annual fee to join, and you do not have to use a Mobil credit card to participate.
Key Takeaways
- Speedpass+ is Mobil's free rewards program that earns points on fuel and convenience store purchases, redeemable for fuel discounts or merchandise.
- You can link a personal debit card, credit card, or Mobil-branded credit card to Speedpass+ to earn rewards without carrying a separate card.
- Mobil also offers a co-branded credit card through U.S. Bank that earns bonus points on fuel and car washes, though it carries a $95 annual fee.
- Fuel prices at Mobil stations vary by location and change daily, just like other major brands, and are not locked in through the rewards program.
How Speedpass+ rewards work
When you enroll in Speedpass+, you link a payment method — a debit card, credit card, or the Mobil credit card — to the app or physical card. At the pump or inside the store, you scan the Speedpass+ card or app barcode to pay and earn points simultaneously. The points rate varies: Mobil typically offers 5 points per gallon of fuel and 1 point per dollar spent on other purchases, though these rates can change and may differ by promotion.
Points accumulate in your Speedpass+ account and can be redeemed for fuel discounts (usually 10 cents off per gallon at certain point thresholds) or merchandise from the Mobil rewards catalog. You check your balance and redeem rewards through the Speedpass+ app or at the pump. There is no expiration date on points as long as your account remains active, though Mobil may close inactive accounts after a set period.
The Mobil credit card option
Mobil offers a co-branded credit card issued by U.S. Bank. This card earns bonus points on Mobil fuel and car washes — typically 4 points per gallon on fuel and 4 points per dollar on car washes — compared to the standard 5 points per gallon through Speedpass+ alone. The card also earns 1 point per dollar on all other purchases. However, the card carries an annual fee, currently $95, which you pay once per year whether or not you use the card.
The card is a standard credit card, meaning you receive a monthly bill and can carry a balance (at interest). It is not a prepaid card or a debit card. If you use the card only at Mobil stations and car washes, the bonus points may offset the annual fee over time, depending on how much you spend. If you rarely visit Mobil, the annual fee may cost more than the rewards are worth.
Comparing Speedpass+ to the credit card
The choice between Speedpass+ and the Mobil credit card depends on how often you visit Mobil stations and whether you use car washes. Speedpass+ has no annual fee and earns 5 points per gallon on fuel, while the credit card costs $95 per year but earns only 4 points per gallon on fuel. However, the credit card earns 4 points per dollar on car washes instead of 1 point per dollar, which can add up if you wash your car frequently at Mobil.
To decide which is worth more, calculate your annual spending. If you spend $1,200 per year on fuel at Mobil, Speedpass+ earns you points worth roughly $12 in fuel discounts (at typical redemption rates), while the credit card earns slightly fewer fuel points but more car wash points. The $95 annual fee means the credit card needs to generate at least that much in extra rewards to break even.
| Feature | Speedpass+ (Free) | Mobil Credit Card |
|---|---|---|
| Annual fee | None | $95 |
| Points on Mobil fuel | 5 points per gallon | 4 points per gallon |
| Points on car wash | 1 point per dollar | 4 points per dollar |
| Points on other purchases | 1 point per dollar | 1 point per dollar |
| Payment method | Link your own card | Use the credit card |
| Billing | Charged to linked card when ready | Monthly credit card bill |
How fuel prices work at Mobil stations
Mobil fuel prices are set by each station owner or by ExxonMobil corporate policy and change daily based on crude oil costs, local market conditions, and supply. The Speedpass+ rewards program does not lock in a price or may provide a discount on the per-gallon cost. Instead, you pay the posted price at the pump and earn points that you later redeem for a discount on a future purchase.
Mobil stations may offer different grades of fuel — regular, mid-grade, and premium — at different prices. The points you earn are based on the number of gallons pumped, not the grade or price per gallon. Some Mobil stations also participate in temporary promotions that offer bonus points on certain days or for certain purchases.
Signing up and using Speedpass+
To enroll in Speedpass+, read the Mobil app from the Apple App Store or Google Play Store, or visit the Speedpass+ website. You provide your name, email address, and phone number, then link a payment method. You can use a debit card, credit card, or the Mobil credit card. Once enrolled, you receive a digital card in the app that you can scan at the pump, or you can request a physical card by mail.
At the pump, select your fuel grade, insert or scan your Speedpass+ card or app barcode, and complete the transaction. The payment is charged to your linked card when ready. Your points appear in your Speedpass+ account within a few minutes. You can check your balance, view your transaction history, and redeem rewards through the app at any time.
What happens to your rewards if you stop using Mobil
If you stop visiting Mobil stations, your Speedpass+ account and accumulated points remain in your account as long as the account is active. Mobil's policy allows you to keep points indefinitely, though the company may close accounts that show no activity for an extended period (the exact timeframe varies). If your account is closed, you typically lose any remaining points.
If you want to preserve your points, log into your Speedpass+ account periodically or redeem your points before you stop using Mobil. You can redeem points for fuel discounts even if you do not plan to visit soon — the discount is stored in your account and applied the next time you use Speedpass+ at a Mobil pump.
Frequently Asked Questions
Can I use Speedpass+ at other gas stations?
No, Speedpass+ is exclusive to Mobil and Exxon stations. If you want a rewards program that works at multiple gas station brands, you would need to enroll in a separate program or use a general cash-back credit card.
Do I have to use a credit card to earn Speedpass+ rewards?
No. You can link a debit card or any credit card to Speedpass+. The rewards program works the same way regardless of which payment method you use. You do not have to explore for or carry the Mobil credit card to earn points.
What is the difference between 5 points per gallon and 4 points per gallon?
If you buy 10 gallons of fuel, Speedpass+ earns you 50 points, while the credit card earns 40 points. However, the credit card earns 4 points per dollar on car washes instead of 1 point per dollar. Whether the credit card is worth the $95 annual fee depends on how much you spend on fuel and car washes at Mobil.
Can I redeem my Speedpass+ points for cash?
No. Speedpass+ points can only be redeemed for fuel discounts or merchandise from the Mobil rewards catalog. You cannot convert points to cash or transfer them to another account.
What if I lose my Speedpass+ card?
If you lose your physical card, log into the Speedpass+ app and report it lost or request a replacement card. Your digital card in the app remains active and can be used at the pump. A replacement physical card will be mailed to you.