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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

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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!



3% back

On purchases with retailers at any Simon Mall, Mills, or Premium Outlet in the U.S.*


5% back

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.


1.5% back

On in-store purchases using Apple Pay or Google Wallet*


1% back

On everything else*


See all benefitsLearn how to make the most of your Simon® Credit Card

*See Offer Terms

Available at a Simon Center near you

Shop at any Simon Center in the U.S and earn up to 5% back

Discover all locations

Shop at your favorite stores

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Redeem rewards for statement credits

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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.

mobile device using digital card reader
$0

Annual fee

$0

Late fee

$0

Foreign transaction fee

Rates & Fees

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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.

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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

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.


You can apply directly through the Cardless website, at app.cardless.com/apply/simon/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.


You must be a U.S. resident to be approved for an account.


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.


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.


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.


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.


Cardless does not charge foreign transaction fees on any credit cards, including the Simon® Credit Card.


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.


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.


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.


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.


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.


Cardmembers can earn an unlimited 1% back in redeemable statement credits on all other eligible purchases.


Please see the Simon Credit Card Program Terms and Conditions for details on what qualifies as an eligible purchase.


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.


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.


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.


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


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.


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.


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.


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.

© 2023 Cardless, Inc., all rights reserved.
Issued by First Electronic Bank, Member FDIC. Offers subject to credit approval. Cardless, Inc. 350 Townsend St., #610 San Francisco, CA 94107
Cardless reserves the right to terminate or modify these offers at any time. For promotional purposes only. Mastercard, World Elite and the circles design are registered trademarks of Mastercard International Incorporated. Apple, Apple Pay, and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries. Android, Google Pay, Google Play, the Google logo and the Google Play logo are trademarks of Google LLC.

Accounts subject to credit approval. Terms, restrictions, and limitations apply. The Simon® American Express® Card from Cardless is issued by First Electronic Bank, Member FDIC. Offers subject to change.

Simon® is a registered trademark of Simon Property Group, L.P. All Rights Reserved. American Express is a registered trademark of American Express and is used by the issuer pursuant to a license.

All trademarks, logos and brand names are the property of their respective owners. Use of these names, trademarks, and brands does not imply endorsement, and are used for identification purposes only. Any third parties listed are not affiliated with Cardless and are solely responsible for their products and services.