Shop more.
Earn more.
Simon® American Express® Credit Card
No annual fee†
$150
Special welcome offer. Redeemable in statement credits*
Apply now →
*After spending $1,000 in the first 90 days.
See Offer Terms for more. †Rates & Fees
Earn with every purchase you make at Simon Centers
Shop at any Simon Center in the U.S. and earn 3% back*, plus more at select stores!
On purchases with retailers at any Simon Mall, Mills, or Premium Outlet in the U.S.*
At participating retailers*Explore more →
*Up to $10,000 in combined spend per calendar year for both 5% and 3% categories. Not all retailers may accept American Express cards. See Offer Terms
And everywhere else
No matter where you use your Simon® Credit Card, you will earn rewards.
On in-store purchases using Apple Pay or Google Wallet*
On everything else*
Available at a Simon Center near you
Shop at any Simon Center in the U.S and earn up to 5% back
Shop at your favorite stores
Example transaction
Redeem rewards for statement credits
Use your card immediately
Once approved, add your Simon® Credit Card to your mobile wallet and start earning up to 5% back at Simon Centers nationwide.
$0
Annual fee
$0
Late fee
$0
Foreign transaction fee
Modern credit cards from Cardless
The Simon® Credit Card is offered by Cardless. Easily manage your card account, redeem rewards, and access benefits from the palm of your hand.
Backed by the safety and security of American Express
Safely use your Simon® Credit Card no matter where you are in the world.
Learn more
How do I add my card to my digital wallet?
You’ll be able to begin making in-person purchases with your compatible smartphone immediately after your account is approved. To add your card to your digital wallet, download the Cardless mobile app and complete the card activation process. Then, navigate to the Card tab and note the account number, expiration date and CVV for your virtual card.
On your iPhone, open the Apple Wallet app and tap the + button. Select “Debit or Credit Card” and tap the option to enter your card details manually. Enter your name, card number, expiration date and four-digit security code. After accepting the terms and conditions you’ll be ready to make contactless purchases.
On your Android device, open the Google Wallet app and tap the “Add to Wallet” button. Select “Payment card,” tap “New credit or debit card” and select the option to enter your card details manually. Enter your card number, expiration date and four-digit security code, along with your billing address, and scroll to read the disclaimer text. After tapping “Save” and accepting the terms and conditions you’ll be ready to make contactless purchases.
If you encounter an issue activating your digital wallet, please contact the Cardless customer service team at (888) 310-6377 and speak with an agent. Our hours of operation are Monday-Friday 8:00AM-9:30PM ET and Saturday-Sunday 8AM-5PM ET.
Where can I apply for the Simon® Credit Card?
You can apply directly through the Cardless website, at app.cardless.com/apply/simon/application.
What information do you need to process my application?
Our simple application form will collect a small amount of personal information, including your legal name, SSN, date of birth, phone number, email address, mailing address, and brief income and housing information. The application process only takes a few minutes, and can be completed via a desktop web browser or on your mobile device.
Am I eligible if I live outside of the United States?
You must be a U.S. resident to be approved for an account.
Do I need to select the mall I shop at most when I apply?
We’ll automatically select the center closest to the mailing address you provide with your application. For Simon Mall Insider members, you can change your preferred center by updating your account and for Simon Premium Outlets VIP Club members, you can change your preferred center by updating your profile. Regardless of which Simon location you select as your primary preferred center, you’ll be eligible to earn up to 5% back at any Simon location in the United States and U.S. territories.
Can I earn points on purchases made outside of the United States?
Cardmembers will earn 1% back on all eligible purchases made outside of the United States, or 1.5% back if on all eligible in-person purchases completed with an Apple Pay or Google Pay digital wallet.
How long does the approval process take?
In many cases, we’ll be able to share a decision in just a few seconds. If approved, you’ll receive instant access to your virtual card, which you can use for online purchases, as well as in-person transactions after activating the card in your smartphone’s digital wallet. You’ll receive a physical card via postal mail.
How do I activate my virtual card?
Your virtual card number will be displayed immediately after approval. You can return to view your number anytime via the Cardless mobile app, or by visiting app.cardless.com and logging into your account. You can open your smartphone’s digital wallet and enter the required account details to activate your virtual card for in-person contactless purchases.
Will I pay a foreign transaction fee if I use my card outside of the U.S.?
Cardless does not charge foreign transaction fees on any credit cards, including the Simon® Credit Card.
Where will I earn 5% back on purchases?
Cardmembers can earn 5% back in redeemable statement credits on purchases at eligible retailers located at Simon properties in the U.S. and U.S. territories, including JCPenney, Aéropostale, Brooks Brothers, Eddie Bauer, Forever 21, Lucky Brand Jeans, Nautica and Reebok, along with online purchases at Gilt Groupe, Rue La La and Shop Premium Outlets. Cardmembers will earn at a reduced rate of up to 1.5% back after the first $10,000 spent on purchases that earn 3% or 5% back each calendar year.
Can I earn 5% back on online purchases at select retailers as well?
Yes! You can also earn up to 5% back on online purchases at JCPenney, Aéropostale, Brooks Brothers, Eddie Bauer, Forever 21, Lucky Brand Jeans, Nautica and Reebok, along with Gilt Groupe, Rue La La and Shop Premium Outlets (retailers subject to change). Cardmembers will earn at a reduced rate of up to 1.5% back after the first $10,000 spent on purchases that earn 3% or 5% back each calendar year.
Where will I earn 3% back on purchases?
Cardmembers can earn 3% back in redeemable statement credits on all other eligible purchases made at Simon properties in the U.S. and U.S. territories, excluding purchases of Simon Giftcards® and purchases made at Simon Guest Services. Cardmembers will earn at a reduced rate of up to 1.5% back after the first $10,000 spent on purchases that earn 3% or 5% back each calendar year.
Will I earn 3% back in the food court? Or at a store across the parking lot?
All merchants listed in the mall directory qualify, with the exception of Simon Guest Services counters. Note that retailers listed in the directory will qualify even if they’re detached from the mall building. Visit the “USA” tab at simon.com/mall for a detailed list of all eligible merchants. Cardmembers will earn at a reduced rate of up to 1.5% back after the first $10,000 spent on purchases that earn 3% or 5% back each calendar year.
Where will I earn 1.5% back on purchases?
Cardmembers can earn an unlimited 1.5% back in redeemable statement credits on all eligible in-person purchases completed with an Apple Pay or Google Pay digital wallet.
Where will I earn 1% back on purchases?
Cardmembers can earn an unlimited 1% back in redeemable statement credits on all other eligible purchases.
What qualifies as an eligible purchase?
Please see the Simon Credit Card Program Terms and Conditions for details on what qualifies as an eligible purchase.
Can a single transaction earn rewards in multiple categories?
Cardmembers will earn at the highest applicable rate. For example, if you make an in-person mobile wallet purchase at a retailer that awards 5% back, you’d earn a total of 5% back for that transaction, up to the $10,000 annual limit.
If I spend $5,000 on purchases that earn 5% back will I still earn 3% back on $10,000 in purchases?
No, the same $10,000 annual limit applies to purchases made in both categories. This rewards cap resets on January 1 of each calendar year.
Will I continue to earn rewards after I reach the $10,000 annual limit?
Cardmembers will continue to earn points for all eligible purchases at standard rates, including those made at Simon centers. Customers will earn 1.5% back on all eligible in-person mobile wallet purchases, and 1% back on all other eligible purchases.
Can I earn rewards when I purchase Simon Giftcards®?
While Simon Giftcard® purchases are excluded from the 3% bonus category, customers can earn 1.5% back on gift card purchases completed in person via Apple Pay or Google Pay, and 1% back on gift card purchases completed with a physical credit card or online
How long after a purchase will my rewards be reflected?
Rewards are generally credited to your account after the end of each billing cycle but may take up to 12 weeks after the close of the billing cycle.
When will I receive my welcome bonus?
To receive a $150 redeemable statement credit, you must be a new cardholder with no other open Cardless credit card accounts and you must complete $1,000 in eligible purchases within 90 days of account opening. Allow up to 2 statement cycles for the bonus to appear in your rewards account. Note that this product is not available to current cardholders of any Cardless credit card or previous Cardless credit cardholders who received a new cardholder bonus for their Cardless credit card. Other restrictions apply.
Can I earn a bonus for referring family members and friends?
Yes! Visit the Cardless app to share your custom referral link. You’ll earn a bonus worth $50, redeemable in statement credits, for each friend or family member who’s approved for an account, up to 10 friends or family members per calendar year.
Who do I contact if I have questions about my account?
Please contact the Cardless customer service team at (888) 310-6377 and speak with an agent. Our hours of operation are Monday-Friday 8:00AM-9:30PM ET and Saturday-Sunday 8AM-5PM ET.
