Simon AmEx Credit Card From Cardless: 5% Back at Simon Centers

Jaime Hanson
By Jaime Hanson 
Edited by Kenley Young

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UPDATE September 2023: This article was originally published on Oct. 18, 2022, and has been updated to reflect the latest information about the card.

For frequent mall and outlet shoppers interested in big savings, the Simon American Express Credit Card from Cardless could be a great fit. It offers the following rewards in the form of statement credit or cash back:

  • 5% back on all in-store purchases within Simon Malls, Simon Mills and Simon Premium Outlets, and on certain online purchases.

  • Up to 10% back on gift cards from select Simon retailers, when purchased through the Cardless app.

  • 1% back on all other qualifying purchases.

Cardholders must use their Simon American Express Credit Card five times per billing cycle to receive rewards on that statement. The 5% bonus category is also subject to a $10,000 annual spending cap.

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Earn 5% back at all Simon retailers

As of September 2023, purchases made from any of Simon's nearly 200 locations within the U.S. and Puerto Rico are now eligible to earn 5% back on up to $10,000 in combined annual spending. (Previously, the card offered 5% back only at a handful eligible Simon merchants, with all other purchases at Simon properties earning 3% back.)

Up to 10% back on gift cards

Not making a mall visit anytime soon? You can still earn big rewards and meet that five-purchase minimum per billing cycle. Use your Simon American Express Credit Card through the Cardless app to purchase store gift cards from retailers like Gap, H&M, Adidas and more, and you'll get up to 10% cash back.

More about the card

This is the first Cardless product that runs on the American Express payment network. Previously, Cardless has offered Mastercard products co-branded primarily with professional sports teams, including the NBA's Cleveland Cavaliers and MLB’s Miami Marlins.

You can apply for the Simon AmEx from your smartphone and, if approved, have the new product in your mobile wallet and ready for use virtually instantly.

A physical card will still be sent to you via the mail.

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