| Last updated on November 13th, 2023
Simon® American Express® Credit Card
Simon® American Express® Credit Card
Simon® American Express® Credit Card
- 21.24% to 31.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
At a Glance
The Simon® American Express® Credit Card is a unique retail credit card that lets you maximize your rewards at the mall and anywhere else Amex is accepted. The card, from digital-first fintech Cardless, earns up to 5% cash back on all Simon Mall purchases – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- Earn 5% at any Simon Mall, Mills, or Premium Outlet in the U.S.
- Earn 1% on all your other card purchases
- Regular Purchase APR: 21.24% to 31.24% variable based on creditworthiness and the Prime Rate
- You love to shop – either in-person or online – for a wide variety of products
- You're brand-loyal to the type of stores you find in the mall
- You prefer card rewards in the form of statement credits
- You do't want to pay an annual fee
Simon® American Express® Credit Card Review
Malls have seemingly faded from the forefront of public life, with online shopping taking over much of our impulse and window-shopping duties. However, Cardless and Simon are looking to change this with the Simon® American Express® Credit Card.
The Simon® American Express® is a retail rewards credit card that provides exceptional savings at the mall. Simon Property Group, which co-brands the card with Cardless, is the largest owner of shopping malls in the United States, with over 230 locations as of 2023.
How to Earn Rewards
Earning rewards with the Simon Amex credit card is somewhat straightforward. Cardholders earn their best cash back rewards by shopping at Simon properties, with shopping at ANY Simon merchant earning 5% cash back. This broad bonus category includes hundreds (maybe thousands) of names nationwide, including the following brands:
| Aeropostale | Brooks Brothers | Eddie Bauer | Forever 21 |
| Reebok | JCPenney | Nautica | Lucky Brand |
Cardholders also earn 1% back back on all other purchases. Previously, the card offered 3% back on in-store purchases at other retailers found at Simon Mall and 1.5% back on mobile wallet purchases (Apple Pay, Google Pay, etc.), in-person gift card purchases at a Simon Center.
Before you get too excited about those categories, remember that the 5% back categories is capped at the first $10,000 in spending per calendar year. Additionally, you must use your Simon Malls Amex at least five (5) times per billing cycle to qualify for rewards.
How to Redeem Rewards
If the rewards earned with the Simon® American Express® are slightly confusing, redeeming those rewards is a breeze. Rewards earned with the card are redeemable as statement credits. Since credits are automatically added to the account, there is no worry about expired points or lackluster value.
Card Comparison
Here’s how the Simon American Express compares with another shopper-centric credit card, the U.S. Bank Shopper Cash Rewards™ Visa Signature® Card:
 Simon® American Express® Card |
 U.S. Bank Shopper Cash Rewards™ |
| Earn 5% back with any merchant at Simon Malls locations | Earn up to 6% cash back at 24 brands |
| 1% all other purchases | 3% back on your first $1,500 in eligible purchases on your choice of one everyday category |
| Up to 10% back on gift cards | 1.5% back on all other purchases |
| No annual fee | No annual fee |
Other Card Features
Cardless also charges no foreign transaction fees, meaning cardholders can earn up to 1.5% cash back internationally with no hidden fees. Other notable features of the Simon® American Express® Credit Card include no late fees, no annual fee, and Amex protections and benefits, including:
| Extended Warranty | Return Protection | Car Rental Loss & Damage Insurance | Amex Concierge |
| Purchase Protection | Zero Fraud Liability | Trip Delay Insurance | Amex Offers |
Should You Apply for the Simon® American Express® Credit Card?
Overall, the Simon® American Express® from Cardless is an interesting and versatile rewards card for those who still like to get out and shop. The card’s 5% back on 11 leading brands is a great feature – as is the 3% back when shopping in-store at your favorite Simon location. For anyone who prefers to shop in person, the card is something of a no-brainer – but for everyone else, the U.S. Bank Shopper Cash Rewards™ Visa Signature® Card might provide greater value every day.
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