Simon® American Express®

This card is built for someone who wants a no-annual-fee payment card tied to the American Express network and does not need bonus categories or extra perks. It works as a simple everyday cash back card, but its flat 1% return makes it a modest option rather than one to center a rewards strategy around.

Annual Fee

Rec. Credit Score

Good

Good For

Basic everyday spending

How to Apply Estimate your value

All information about Simon® American Express® has been collected independently by MaxRewards. Simon® American Express® is no longer available through MaxRewards.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the Simon® American Express® worth it?

This card is great for...

General purchases

No annual fee holding

The Simon® American Express® is worth considering only if your priority is simplicity and a $0 annual fee, and you are comfortable earning a flat 1% cash back on everything. There are no rotating categories to track, no annual fee to justify, and no listed benefits to learn or use.

That same simplicity is also the main limitation. For most readers, 1% cash back is a low return for an everyday card, especially when many no-annual-fee cards offer stronger flat-rate rewards or bonus categories on common spending. This card makes the most sense for someone who specifically wants a straightforward American Express card and is not choosing based on rewards depth or added features.

MaxRewards Verdict

This is a very simple no-fee card for basic spending and little else. If rewards are your main goal, most cardholders will likely find better long-term value with a stronger cash back card.

Earning

Rewards

The rewards setup is as straightforward as it gets: 1% cash back on purchases, with no bonus categories to track. That makes it easy to use, but it also means your return stays limited no matter where you spend.

CategoryRate

Everywhere

Eligibility

Recommended Minimum Credit

Min: Good

Poor

Fair

Good

Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing