THE SIMON REWARDCARD
VISA® PREPAID CARD



You hold in your hands the ultimate expression of gratitude. We want to help you make the most of your card, so follow the helpful links below, and happy shopping.

  • $3.95 monthly maintenance fee starting 13 months after Card issuance, subject to applicable law
  • $10 fee to replace a Card for any reason
  • Good anywhere Visa® debit Cards are accepted throughout the world

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Contact Us By Phone:

To review account activity, report your card as stolen, or all other customer service inquiries,
please call the phone number on the back of your Simon Rewardcard.


Contact Us By Postal Mail:

For general correspondence or to dispute a transaction, please use the address below.

Simon Property Group
Attn: Rewardcard Department
225 West Washington Street
Indianapolis, IN 46204


Contact Us By Email:

For general correspondence, comments or questions about the Simon Rewardcard, please email us at RewardcardCS@simon.com.

Cardholder Agreement/Rewardcard Terms and Conditions

Select One Of The Following To Review The Applicable Terms & Conditions:


Fees and Expiration Dates Associated with your Simon Rewardcard Visa® Prepaid Card
Maintenance Fee
Subject to applicable law, starting 13 months after Card issuance, a monthly maintenance fee of $3.95 will be deducted from the balance available in your card account. This fee will be assessed so long as there are funds remaining in your card account.
Replacement Card Fee: $10.00, when your Card is replaced for any reason.
Foreign Transactions Fee: 2% of Transaction as identified in Paragraph 5

The “Valid Thru” date indicated on the front of your Card is not an expiration date. After the “Valid Thru” date, your available funds will be temporarily unavailable until you request a replacement card. To request a replacement card, call 866-325-6238, A Replacement Card Fee of $10 will apply.

1. Terms and Conditions for this Card

This document constitutes the agreement (“Agreement”) outlining the terms and conditions under which this Card has been issued to you. By accepting and using this card, signing the back of the Card, activating the Card, or authorizing any person to use the Card, you agree to be bound by the terms and conditions contained in this Agreement. Please sign your card immediately. In this Agreement, "Card" means the Card issued to you by MetaBank®. The Card will remain the property of MetaBank and must be surrendered upon demand. The Card is nontransferable, and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law. Funds will not be available to you until you activate your Card. Please read this Agreement carefully and keep it for future reference.

2. Definitions

“You” and “your” means the person or persons who have received the Card and are authorized to use the Card as provided for in this Agreement. “We,” “us,” “our,” and “Bank” mean MetaBank, our successors, affiliates or assignees. The Card is a prepaid card that has been provided pursuant to a conditional offer. In order to obtain the Card, you understand and agree that all conditions of the offer must be met. The Card allows you to access funds on the Card. The Card is issued for loyalty, award, or promotional purposes and is not a gift card; nor is it intended for gifting purposes. The Card does not constitute a checking, savings or other bank account and is not connected in any way to any other account you may have. The Card is not a credit card. You will not receive any interest on the funds on the Card. This Card is not connected in any way to any other account and no additional funds may be added to the Card. The funds in your card account will be FDIC insured, provided your Card is registered. You may register your Card by visiting www.simon.com/myrewardcard or by calling us at 866-325-6238. For purposes of these disclosures, our business days are Monday through Friday. Holidays are not included.

3. Using Your Card

The funds accessible to you after activation are provided by the manufacturer, retailer, distributor, or marketer of the product you have purchased, not the card issuer. That manufacturer, retailer, distributor, or marketer is fully responsible for ensuring funds are available to be loaded to your Card. You must activate your Card prior to use by calling the number or going to the website indicated on the Card.

Making Purchases: You may use your Card to purchase or lease goods or services wherever the Card is honored as long as you do not exceed the value available in your card account. You may not use your Card or card account for any illegal transactions, at casinos, or for any gambling activity. You are responsible for all transactions initiated by use of your Card. If you permit someone else to use your Card, we will treat this as if you have authorized such use and you will be responsible for any transactions made subject to such use. If you do not have sufficient funds available in your card account, you can instruct the merchant to charge a part of the purchase to the Card and pay the remaining amount with another form of payment. These are called “split transactions.” Some merchants do not allow cardholders to conduct split transactions. Some merchants will only allow you to do a split transaction if you pay the remaining amount in cash. If you fail to tell the merchant in advance that you wish to make a “split transaction,” your Card is likely to be declined. Each time you use your Card, you represent and warrant to us that you are either the Cardholder or an authorized user of the Card.

If you use your Card number without presenting your Card (such as for a mail order or telephone purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of transactions you can make on your Card.

Personal Identification Number: Your personal identification number (“PIN”) for making PIN debit purchases is initially set to the last four digits of your Card number. If you wish to change your PIN, you may do so by calling 866-325-6238 or visiting www.simon.com/myrewardcard. You will not be able to receive any cash back from any funds in your card account, at an ATM, or at any point of sale device. You should not write or keep your PIN with your Card. Never share your PIN with anyone. When entering your PIN, be sure it cannot be observed by others and do not enter your PIN into any terminal that appears to be modified or suspicious. If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately following the procedures in the paragraph labeled “Your Liability for Unauthorized Transactions.”

No Cash Redemption: Your Card cannot be redeemed for cash. CARDS ARE NOT ACCEPTED AT ATMs AND CANNOT BE USED TO ACCESS CASH OR OBTAIN CASH BACK IN ANY PURCHASE TRANSACTION.

Finding Your Available Balance. You should keep track of the amount of value loaded or available in your card account. You may obtain the current available balance in your card account by visiting www.simon.com/myrewardcard or by calling us at the Customer Service number shown on your Card. If you have questions on Card usage, please call us at 866-325-6238.

Negative Balances. Each time you use your Card, you authorize us to reduce the value available in your card account by the amount of the transaction. YOU ARE NOT ALLOWED TO EXCEED THE AVAILABLE AMOUNT IN YOUR CARD ACCOUNT THROUGH AN INDIVIDUAL TRANSACTION OR A SERIES OF TRANSACTIONS. Nevertheless, if a transaction exceeds the balance of the funds available in your card account (creating a “negative balance”), you shall remain fully liable to us for the amount of the transaction. You agree to pay us promptly for the negative balance. We also reserve the right to cancel this Card and card account should you create one or more negative balances.

Stop Payments; Authorizations; Authorization Holds: You do not have the right to stop payment on any purchase transaction originated by use of your Card. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to 10 days. Certain merchants may require verification of your address during certain types of transactions. Some merchants may check to make sure the name and mailing address indicated for purchases matches the Card address. Therefore, if you have not registered your Card of if you do not supply the address currently on file for the Card, you may not be able to complete a transaction for which this information has been requested. If you wish to make a transaction where this is the case, you will need to visit www.simon.com/myrewardcard or call 866-325-6238 to register your Card. Car rentals, hotels, and other service-oriented merchants my choose to factor in additional amounts upon check in, and it may take up to sixty (60) days after your stay or your rental to have any excess amounts held by the hotel or rental company added back to your available balance. Similarly, some gas stations may factor in additional amounts to cover potential filling of the tank; if you want to avoid such a hold, you may want to pay inside the gas station instead of paying at the pump.

YOUR CARD HAS A “VALID THRU” DATE EMBOSSED ON THE FRONT OF THE CARD.BEGINNING 13 MONTHS AFTER CARD ISSUANCE, YOUR CARD AND CARD ACCOUNT WILL BE SUBJECT TO A MONTHLY FEE, SUBJECT TO APPLICABLE LAW.

Replacement Card: The funds on your Card do not expire. The “valid thru” date indicated on the front of your Card is not an expiration date, but is intended primarily for fraud protection purposes. After the “valid thru” date, your available funds will be temporarily unavailable until you contact 866-325-6238 for a replacement Card with a new “valid thru” date. Please report any lost/stolen Cards immediately by calling the number on the back of your Card.

4. Returns and Refunds

If you are entitled to a refund for any reason for goods or services obtained with your Card, you agree to accept credits to your card account for such refunds. The amounts credited to your card account for refunds may not be available for up to five (5) days from the date the refund transaction occurs.

5. Foreign Transactions Fee

If you make a transaction outside the United States or in a currency other than United States dollars, a foreign transaction fee equal to 2% of your transaction amount will be deducted from the balance in your card account. This fee is independent of the currency conversion rate established by the network or association that processes the transaction. If you return an item for credit in a foreign transaction, we will not refund any foreign transaction fee that may have been charged on your original purchase.

6. Receipts

You should get a receipt at the time you make a transaction using your Card. You agree to retain your receipt to verify your transactions.

7. Transaction History

You may obtain information about the remaining balance in your card account by calling 866-325-6238. This information, along with a sixty (60) day history of account transactions, is also available online at www.simon.com/myrewardcard. You also have the right to obtain a sixty (60) day written history of account transactions by calling 866-325-6238 or by writing us at Customer Service, 10615 Professional Circle Suite 102, Reno NV 89521.

8. Confidentiality

We may disclose information to third parties about your Card, your card account, or the transactions you make:
(1) Where it is necessary for completing transactions;
(2) In order to verify the existence and condition of your card account for a third party, such as a merchant;
(3) In order to comply with any government agency, court order, or other legal reporting requirements;
(4) If you give us your written permission;
(5) To our employees, auditors, affiliates, service providers, or attorneys as needed; or
(6) To our agent, Blackhawk Network, Inc., in accordance with the terms of this Agreement as described in Section 14.

9. Our Liability for Failure to Complete Transactions

If we do not complete a transaction to or from your card account on time, or in the correct amount according to our Agreement with you, after your correct and proper instruction, we will be liable for transferring the correct amount or otherwise completing the service, according to your direction. However, there are some exceptions. For example, we will not be liable:

(1) If, through no fault of ours, you do not have enough funds available in your card account to complete the transaction;
(2) If a merchant refuses to accept your Card;
(3) If an electronic terminal where you are making a transaction does not operate properly, and you knew about the problem when you initiated the transaction;
(4) If access to your card account has been blocked after you reported your Card lost or stolen;
(5) If there is a hold or your funds are subject to legal process or other encumbrance restricting their use;
(6) If we have reason to believe the requested transaction is unauthorized;
(7) If circumstances beyond our control (such as fire, flood, computer, or communication failure) prevent the completion of the transactions, despite reasonable precautions that we have taken; or
(8) Any other exception stated in our Agreement with you.

In no event will we be liable for consequential damages (including lost profits), extraordinary damages, special or punitive damages.

10. Your Liability for Unauthorized Transfers; Disputed Transactions

You agree to safeguard the Card and treat it like cash. The Card can be replaced if it is lost or stolen and the Card has not expired, or if you believe that a purchase or transaction has occurred without your permission, with certain restrictions.

Tell us, AT ONCE, if you believe your Card has been lost or stolen or of any unauthorized transactions. You should call 866-325-6238 immediately to report a lost or stolen Card. You will be required to provide your name, the Card number, original value, and transaction history. Telephoning toll-free the number listed on the back of your Card is the best way of keeping your possible losses down. If your Card has been lost or stolen, we will close your Card to keep losses down. We reserve the right to investigate any claim you may make with respect to a lost or stolen Card, and you agree to cooperate with such investigation. We may ask you for a written statement, affidavit or other information in support of the claim. We will charge a Lost/Stolen Card Replacement Fee of $10 (subject to applicable law) for any lost/stolen Card, which will be deducted from the balance on the Card. A reissued Card may take up to 30 days to process. You acknowledge that purchases made with prepaid Cards, such as theRewardcard™, are similar to those made with cash. You cannot “stop payment” or lodge a “billing dispute” on such transactions. Any problems or disputes you may have regarding a purchase should be addressed directly with the merchant.

Your liability for unauthorized transactions that take place on the Visa system is zero dollars ($0). We may require you to provide a written statement regarding claims of unauthorized transactions. These provisions limiting your liability do not apply to POS, PINless, or any other debit transactions not processed by Visa. You may not be entitled to zero dollar liability in the event you did not exercise reasonable care in safeguarding your Card from unauthorized use. For example, if you directly gave permission or implied that a person had the right to use your Card, that use is not unauthorized. Additionally, if you received benefit from the purchase, the use is not unauthorized, and you may not be eligible for this zero liability coverage.

11. Information About Your Right to Dispute Errors

In case of errors or questions about your Card transactions, call 866-325-6238 or write to Customer Service, 10615 Professional Circle Suite 102, Reno NV 89521. Contact us if you think your transaction history or receipt is wrong or if you need more information about a transaction listed on the transaction history. You must contact us within one hundred twenty (120) days after the transfer allegedly in error was credited or debited to your card account.

When you contact us, please:

(1) Provide your name and Card number (if any);
(2) Describe the error or the transaction you are unsure about, and explain why you believe it is an error or why you need more information;
(3) Provide the dollar amount of the suspected error.

You agree to cooperate with any investigation we may make. We will tell you the results within three (3) business days after completing our investigation.

12. Unclaimed Property

Your Card is subject to unclaimed property laws where your card has been registered, or the laws of the state where we are located/incorporated if the card is not registered. Should your card have a remaining balance after a certain period of time, we may be required to remit remaining funds to the appropriate state agency.

13. Other Terms

Your Card and your obligations under this Agreement may not be assigned. We may transfer our rights under this Agreement. Use of your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. We do not waive our rights by delaying or failing to exercise them at any time. If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected. This Agreement will be governed by the law of the State of South Dakota except to the extent governed by federal law. We may, in our sole discretion, adjust the value of the Card to correct transactional or issuance errors or discrepancies.

14. Amendment and Cancellation

We may amend or change the terms of this Agreement at any time, subject to applicable law. You will be notified of any change in the manner provided by applicable law prior to the effective date of the change. However, if the change is made for security purposes, we can implement such change without prior notice.

We may cancel or suspend your card account at any time without notice for any reason (for example, if we suspect fraud or unauthorized activity on your card account), subject to applicable law. You may cancel this Agreement by returning the Card to us.

Termination of this Agreement will not affect any of our rights or your obligations arising under this Agreement prior to termination. You agree that we will not be liable to you or any third party for any modification or discontinuation of your card account.

15. Privacy and Data Protection

Our Privacy Policy explains in detail how we collect your personal information and with whom we may share it. You may view our Privacy Policy by visiting www.simon.com/myrewardcard and clicking the “Privacy Policy” link at the bottom of the page.

Here is a general description of how we collect and handle your personal information:

(i) Information We Collect (“Cardholder Information”):
(a) Information about purchases made with the Card, such as date of purchase, amount and place of purchase
(b) Information you provide to us when apply for a Card, or call for a replacement Card, or when you contact us with customer service issues, such as name, address, or phone number.

(ii) Information Security: Except at otherwise disclosed in this Agreement, only those persons who need it to perform their job responsibilities are authorized to have access to Cardholder Information. In addition, we maintain physical, electronic and procedural security measures that comply with federal regulations to safeguard Cardholder Information.

(iii) Disclosure: We may use Cardholder Information to provide customer services, to process claims for lost or stolen Cards, to develop marketing programs, to help protect against fraud, and to conduct research and analysis. In addition, it is often necessary for us to disclose Cardholder Information for the same purposes to companies that work with us. For example, we may provide certain Cardholder Information to companies that perform business operations or services, including marketing services, on our behalf, or other institutions with which we have a joint marketing agreement. We may also provide certain Cardholder Information to others as permitted by law, such as government entities or other third parties in response to subpoenas. Without limiting the foregoing, subject to applicable law, we may disclose information to third parties about you, your Card, or the transactions you make: (1) where it is necessary for completing transactions; (2) in order to verify the existence and condition of your Card for a third party, such as a merchant; (3) in order to comply with government agency, court order, or other legal reporting requirements; (4) with your permission; or (5) to our employees, auditors, affiliates, service providers, or attorneys as needed.

16. Telephone Monitoring/Recording

From time to time, in accordance with applicable law, we may monitor and/or record telephone calls between you and us to assure the quality of our customer service or as required by applicable law.

17. Telephone Communications.

From time to time, we may need to contact you about your card account. You authorize us to call you at any number you provide or at any number at which we reasonably believe we can contact you, including calls or text messages to mobile, cellular, or similar devices, for any lawful purpose, including but not limited to: (1) suspected fraud or identity theft; (2) servicing your card account and (3) obtaining necessary information. You authorize us to use automated dialers and/or recorded messages when making such calls. You agree to pay (without reimbusement from us) any fees or charges you may incur for any such calls we make to you.

18. No Warranty Regarding Goods and Services or Uninterrupted Use

We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card. From time to time, the Card service may be inoperative, and when this happens, you may be unable to use your Card or obtain information about your balance. Please notify us if you have any problems using your Card. You agree that we are not responsible for any interruption of service.

19. Arbitration

(a) Purpose: This section (“Arbitration Provision”) sets forth the circumstances and procedures under which claims (as defined below) may be arbitrated instead of litigated in court.

(b) Definitions: As used in this Arbitration Provision, the term “Claim” means any claim, dispute or controversy between you and us arising from or relating to the Card or this Agreement including the validity, enforceability or scope of this Arbitration Provision or the Agreement. Claim includes claims of every kind and nature and is to be given the broadest possible meaning that will be enforced. We shall not elect to use arbitration under the Arbitration Provision for any Claim that you properly file and pursue in a small claims court of your state or municipality so long as the Claim is individual and pending only in the court.

As used in the Arbitration Provision, the terms “we” and “us” shall for all purposes mean the Bank, wholly or majority owned subsidiaries, affiliates, licensees, predecessors, successors, and assigns; and all of their agents, employees, directors and representatives. In addition, “we” or “us” shall include any third party using or providing any product, service or benefit in connection with any Cards (including, but not limited to merchants who accept the Card, third parties who use or provide services, debt collectors and all of their agents, employees, directors and representatives) if, and only if, such third party is named as a co-party with us (or files a Claim with or against us) in connection with a Claim asserted by you. As solely used in this Arbitration Provision, the terms “you” or ”yours” shall mean all persons or entities approved by us to have and/or use a Card.

(c) Initiation of Arbitration Proceeding/Selection of Administrator: Any Claim shall be resolved, upon the election by you or us, by arbitration pursuant to this Arbitration Provision and the code of procedures of the national arbitration organization to which the Claim is referred in effect at the time the Claim is filed, as selected by the party electing to use arbitration. If a selection by us of one of the following organizations is unacceptable to you, you shall have the right within 30 days after you receive notice of our election to select either of the other organizations listed. For a copy of the procedures, to file a Claim or for other information about these organizations, contact them as follows: Judicial Arbitration and Mediation Services (“JAMS”) at 1920 Main Street, Suite 300, Los Angeles, CA 92614; website at www.jamsadr.com; or the American Arbitration Association (“AAA”) at 335 Madison Avenue, New York, NY 10017; website at www.adr.org.

(d) Significance of Arbitration: IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM, OR TO ENGAGE IN DISCOVERY EXCEPT AS PROVIDED FOR IN THE CODE OF PROCEDURES OF THE JAMS, OR AAA, AS APPLICABLE (THE “PROCEDURES”). FURTHER, YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE IN A REPRESENTATIVE CAPACITY OR AS A MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION. EXCEPT AS SET FORTH BELOW, THE ARBITRATOR’S DECISION WILL BE FINAL AND BINDING.CODE”). NOTE THAT OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT ALSO MAY NOT BE AVAILABLE IN ARBITRATION, INCLUDING BEING A MEMBER OF A CLASS.

(e) Restrictions on Arbitration: If either party elects to resolve a Claim by arbitration, that Claim shall be arbitrated on an individual basis. There shall be no right or authority for any Claims to be arbitrated on a class action basis or on bases involving Claims brought in a purported representative capacity on behalf of the general public, other Cardholders or other persons similarly situated. Furthermore, Claims brought by you against us or by us against you may not be joined or consolidated in arbitration with Claims brought by or against someone other than you, unless otherwise agreed to in writing by all parties.

(f) Payment of Fees: At your written request, we will consider in good faith making a temporary advance of all or part of the filing administrative and/or hearing fees for any Claim you initiate as to which you or we seek arbitration. The arbitrator (or panel) will decide who will ultimately be responsible for paying the filing, administrative and/or hearing fees in connection with the arbitration (or appeal).

(g) Arbitration Procedures: This Arbitration Provision is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16, as it may be amended (the “FAA”). The arbitration shall be governed by the applicable Code, except that (to the extent enforceable under the FAA) this arbitration Provision shall control if it is inconsistent with the applicable Code. Judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction. The arbitrator’s decision will be final and binding, except you may have a right to appeal any decision entered in Arbitration.

(h) Continuation: This Arbitration Provision shall survive termination of your Card and any bankruptcy by you or us. If any portion of this Arbitration Provision is deemed invalid or unenforceable under any principle or provision of law or equity, consistent with the FAA, it shall not invalidate the remaining portions of this Arbitration Provision, the Agreement or any prior agreement you may have had with us, each of which shall be enforceable regardless of such invalidity.

Your Card is issued by MetaBank, Member FDIC, 5501 S. Broadband Lane, Sioux Falls, SD 57108. For additional support, please call 866-325-6238 or visit www.simon.com/myrewardcard.

© 2014 MetaBank. All rights reserved.

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U.S. Bank® Rewardcard Cardholder Agreement (Effective 8/01/12)
Read this Cardholder Agreement carefully and keep it for future reference.
  • Remember to record your Rewardcard number in a safe place.
  • You can check your balance or obtain other customer service at:
  • The value of your Rewardcard may be reduced by the following U.S. Bank® fees:
    • $3.95 monthly administrative fee beginning with the thirteenth month from the month of card issuance.
    • $15.00 fee to replace a lost or stolen Rewardcard
    • $15.00 fee to replace an expired Rewardcard
  • There is a purchase fee paid by the purchaser when the Rewardcard is purchased.

The U.S. Bank Rewardcard is a Visa prepaid card issued by U.S. Bank National Association that is loaded with value and given to you as authorized and determined solely by an organization on a loyalty, award or promotional basis, and may be used at any merchant that accepts Visa debit cards. Signing the back of the Rewardcard, using the Rewardcard, or allowing someone else to use the Rewardcard means that you accept this Agreement and you are responsible for all transactions. In this Agreement the terms “we”, “us”, and “our” mean U.S. Bank and “you” or “your” mean anyone who has received the Rewardcard or is authorized to use it. Keep a record of your Rewardcard number in case of loss or theft. Your Rewardcard cannot be used for any illegal transaction, cash advances, money orders, travelers checks or gambling transactions. We may decline authorization for any of these prohibited transactions. Additional value cannot be added to this Rewardcard. All transactions will be declined once the Rewardcard balance reaches zero. The laws of the state of Ohio govern interpretation of this Rewardcard Agreement. We may change the terms of , or add new terms to, this Rewardcard Agreement at any time, with or without cause, and without giving you notice, in accordance with applicable law. Check www.simon.com/myrewardcard for posting of the most recent terms. This Agreement contains an arbitration provision (including a class action arbitration waiver). It is important that you read the Arbitration Provision carefully.


Fees

U.S. Bank Fees
The U.S. Bank fees disclosed with this Agreement and the foreign transaction fee described below will be deducted from the value of the Rewardcard, except where provided otherwise by applicable law.

Administrative Fee: After the first twelve calendar months following the issue date of your Rewardcard, a $3.95 fee will be charged to your Rewardcard each month until the Rewardcard expires or the balance reaches $0.00. In some states this fee may not be charged until after a stated number of months of non-use.

Transaction Fee: There are no transaction fees when using the Rewardcard to purchase goods and services from merchants located in the United States.

Rewardcard Replacement Fee: A $15.00 fee will be charged to your Rewardcard if it is replaced at any time before expiration, or escheated according to applicable law.

Foreign Transaction Fee: Transactions made in a foreign currency will be converted into U.S. dollars under the applicable rules of Visa USA. As of August 1, 2006, Visa rules provide that the amount of your transaction in dollars will be the amount of the foreign currency times: (a) a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives; or (b) the government-mandated rate in effect for the applicable central processing date. We may charge a fee of up to 3% of the transaction amount for transactions with merchants located outside of the U.S., even if currency is not converted.


No Sale or Transfer

Sale or transfer of Rewardcards is strictly prohibited.


Expiration and Revocation

The Rewardcard plastic is valid through the expiration date shown on the front of the Rewardcard or until the value on the Rewardcard reaches $0, except where otherwise provided by applicable law. You cannot use the Rewardcard after the expiration date. After the expiration date, you can call 1-866-300-9401 to request that a new Rewardcard be issued. The new Rewardcard will have an expiration date at least 20 months from the date of reissue and a value equal to the remaining balance of the expired Rewardcard minus a $15.00 fee to replace it. If you do not request a new Rewardcard, any unused balance on the expired Rewardcard will be handled in accordance with state escheatment law. Your Rewardcard is not redeemable for cash.

U.S. Bank may revoke the Rewardcard at any time without cause or notice. You must surrender a revoked Rewardcard and may not use it to make purchases. You may not sell your Rewardcard and U.S. Bank is not liable for the revocation of funds on Rewardcards that have been sold or transferred by you.


Internet, Mail, and Phone-Order Purchases

Internet, mail and phone order purchases may require that we have the name and address of the Rewardcard owner on file. If you wish to make Internet, mail or phone order purchases, you will need to go to www.simon.com/myrewardcard and enter your name and address prior to performing the purchase transaction.


Personal Identification Number (PIN) Purchases

After March 31, 2013, if you would like to use the Card for making purchases where entering a PIN is allowed, you can obtain a PIN by calling 866-300-9401. The Card and PIN are provided for your use and protection, and you will:

  1. Not disclose the PIN nor record it on the Card or otherwise make it available to anyone else;
  2. Use the Card and the PIN as instructed (Card cannot be used to obtain cash);
  3. Promptly notify us of any loss or theft of your Card or PIN (see Liability for Lost/Stolen Rewardcard and Unauthorized Transactions); and
  4. Be liable for any transactions made by a person you authorize or permit to use your Card and/or PIN. If you permit someone else to use your Card, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card.

Liability for Lost/Stolen Rewardcard and Unauthorized Transactions

Inform Cardholder Services immediately at 866-300-9401, 24 hours a day, 7 days a week, if your Rewardcard has been lost, stolen, or subject to unauthorized use. You will be required to provide your name, the Rewardcard number, original value, and transaction history. You are liable for all transactions that occur on your Rewardcard before you report it lost or stolen. You may also be liable for transactions that occur on your Rewardcard after you report your card lost or stolen unless (1) you signed the signature panel on the back of the card in permanent ink, (2) you promptly report all facts relating to a loss or theft of your card, and (3) if we ask for your cooperation in our investigation of your lost or stolen card, you fully cooperate with our request. If you comply with these procedures and we determine there is a balance remaining on your lost or stolen Rewardcard, you may request a replacement Rewardcard. We will charge a $15.00 fee to replace a lost or stolen Rewardcard, which will be deducted from the balance of your Rewardcard. A reissued Rewardcard may take up to 30 days to process.


Liability for Failure to Complete Transactions

U.S. Bank is not liable for any failed transaction if you do not have enough money on your Rewardcard to cover a transaction, the terminal or system is not working properly, circumstances beyond our control prevent the transaction, or the merchant authorizes an amount greater than the purchase amount.


Liability and Error Resolution Procedures

If there is a problem or dispute with a purchase of goods or services, you must address it directly with the merchant involved. Refunds and returns are subject to the merchant’s policies or applicable laws. In case of any other errors on your card account, call Cardholder Services immediately at 866-300-9401. You must call within 30 days of the date of the transaction. If you need more information about error resolution procedures please call Cardholder Services at 866-300-9401.


Disclosure of Information to Third Parties

We may disclose information to third parties about your Rewardcard or the transactions you make: (a) where it is necessary for completing transactions; (b) to verify the existence and condition of your Rewardcard to a third party; (c) to utilize services of third parties and affiliate entities who assist us in providing the Rewardcard and related services; (d) to comply with government agency rules or court orders; (e) if you give us your permission; (f) if you owe us money or there are legal proceedings in connection with your Rewardcard, in which case information may be released to attorneys, accountants, collection bureaus, financial institutions, and others involved in collection, adjustment, settlement or reporting; (g) to protect against potential fraud and other crimes; or (h) when otherwise permitted by law. We may also share information about you and your Rewardcard, based on our transactions and experiences with you, with our parent, affiliate and subsidiary companies.


Arbitration Provision

  1. You agree that either you or we can choose to have binding arbitration resolve any claim, dispute or controversy between you and us that arises from or relates to this Agreement or your Card and account (individually and collectively, a “Claim”). This does not apply to any Claim in which the relief sought is within the jurisdictional limits of, and could be fully and properly adjudicated by, a small claims court. If arbitration is chosen by any party, the following will apply:
    1. NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE A CLAIM IN COURT OR TO ENGAGE IN PRE-ARBITRATION DISCOVERY, EXCEPT AS PROVIDED FOR IN THE APPLICABLE ARBITRATION RULES.
    2. Arbitration will only decide our or your Claim, and you may not consolidate or join the claims of other persons who may have similar claims. YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE AS A REPRESENTATIVE OR MEMBER OF ANY CLASS OF CLAIMANTS, OR AS A PRIVATE ATTORNEY GENERAL, PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION.
    3. The arbitration will be performed in accordance with this Arbitration Provision and the rules of the chosen arbitrator in effect when the Claim is filed.
    4. The arbitrator’s decision will generally be final and binding, except for the limited right of appeal provided by the Federal Arbitration Act.
    5. Other rights that you would have if you went to court might also not be available in arbitration.
  2. The party commencing the arbitration may select to use either JAMS or the American Arbitration Association (“AAA”) (or, if neither of these arbitration organizations will serve, then a comparable substitute arbitration organization agreed upon by the parties, or if the parties cannot agree, chosen by a court of competent jurisdiction.). If JAMS is selected, the arbitration will be handled according to its Streamlined Arbitration Rules unless the Claim is for $250,000 or more, in which case its Comprehensive Arbitration Rules shall apply. If the AAA is selected, the arbitration will be handled according to its Commercial Arbitration Rules. You may obtain rules and forms for JAMS by contacting JAMS at 1-800-352-5267 or www.jamsadr.com and for the AAA by contacting the AAA at 1-800-778-7879 or www.adr.org. Any arbitration hearing that you attend will take place in the federal judicial district where you reside. At your request, we will advance your filing and hearing fees for any Claim you may file against us. If you prevail on your Claim, we will pay your arbitration costs and fees, other than attorney, expert, and witness fees and expenses. We will also pay any fees or expenses that applicable law requires us to pay. The arbitrator shall apply applicable substantive law consistent with the Federal Arbitration Act, 9 U.S.C. §§ 1 through 16, including but not limited to applicable statutes of limitation, and shall honor claims of privilege recognized at law. Judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction.
  3. This Arbitration Provision shall survive termination of this Agreement and your Card and account. This Arbitration Provision shall be governed by federal law, including the Federal Arbitration Act, and by Ohio law, without regard to its internal conflict of law principles, to the extent such state law does not conflict with federal law or this Arbitration Provision. Notwithstanding any language of this Agreement to the contrary, should any portion of this Arbitration Provision be held invalid or unenforceable by a court or other body of competent jurisdiction, this entire Arbitration Provision shall be automatically terminated and all other provisions of this Agreement shall remain in full force and effect.


Here are Some Helpful Tips on How to Use Your U.S. Bank Rewardcard
  • Know Your Balance: The Rewardcard transaction will be declined if you attempt to make a purchase in excess of your card balance. If your Rewardcard value is not enough to cover the full amount of your purchase, ask the cashier to split the transaction between the remaining card balance and another form of payment. Tell the cashier how much is on your Rewardcard since many merchants cannot tell what the balance is. Visit www.simon.com/myrewardcard for balance information.
  • Most restaurants, salons and other services where you typically tip may temporarily add approximately 20% to your bill to cover the tip. Make sure your balance can cover the 20% or your transaction will be declined.
  • Companies specializing in travel services, such as hotels or car rental agencies may temporarily add an additional 15% to your bill to cover incidental charges that you might incur. Make sure your balance can cover the 15%, or your transaction will be declined.
  • Pay inside for gas purchases. Do not pay at the pump.
  • Go to www.simon.com/myrewardcard to register your card with your name and address before you make any purchases over the web, phone or through the mail. Many merchants do an address match to make sure that the card belongs to the person making the purchase.
  • Visit www.simon.com/myrewardcard for additional helpful tips on how to use your U.S. Bank Rewardcard.

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Frequently Asked Questions

Select One Of The Following To Review The Applicable FAQs:


What is the Rewardcard®?
What makes the Visa® Rewardcard® different from other gift cards or gift certificates?
Is the Visa Rewardcard® a credit card?
Shipping Fees
How much will it cost to process an order?
Number of Cards Fee
1-24 $10.00
25-99 $15.00
100-249 $20.00
250-999 $25.00
1,000-4,000 $30.00

How do I place a Rewardcard Volume Order?
  1. Your (or your Company) name, address, and telephone number.
  2. Name, address, and telephone number of each recipient.
  3. Your payment information.
  4. Your order information - how many Rewardcards and for what denomination


What is the minimum order size, and what is the maximum order size?


Can I cancel an order?


What payment options are available?


What should I do if I am having trouble purchasing a Rewardcard® with my American Express®,  Visa® or MasterCard® on-line?

Where can I download the Customer Initiated ACH payment instructions?

How long does it take to receive a Rewardcard?

Is the Rewardcard sent to the recipient or to me?

Can I send the Rewardcard to anyone in the United States?

What should I do if my recipient does not receive his or her Rewardcard?

Call us toll free at 1-877-746-6642  Monday through Friday 9:00 am to 5:00 pm EST for assistance. 

How do I activate my order once I receive my cards?

How can I increase the number of Rewardcards I can order in a single order?

What should I do if I do not receive my order?

What if I want to buy something that costs more than the value of the Rewardcard?
  • Inform cashier in advance you will be using two forms of payment..
  • Pay the cashier the difference with the alternate form of payment.
  • Present the Rewardcard and state specific amount to be used.

Can I use my Rewardcard at more than one merchant?

Can I add more money to the Rewardcard?

Can the Visa® Rewardcard® be replaced if lost or stolen?

What happens when I spend all the funds on my Rewardcard?

Why do I sometimes have problems spending my Rewardcard at restaurants, hair and nail salons, when I have enough money left on my Rewardcard to cover the bill for food / service?

Why do I sometimes have problems using my Visa® Rewardcard® at pay at the pump at gasoline stations?

What happens if I need to return something I purchased with my Rewardcard?

How will I know the original value of my Rewardcard?

How can I check the balance on my Rewardcard?

Can I activate my Rewardcard on-line?
Can I register my Rewardcard on-line?

Why should I register my Rewardcard for internet purchases?

My internet purchase was declined even though there was a sufficient balance - but my Rewardcard was still debited. Why?

Why is there a $1 transaction on my card that I did not make?

Who issues the Rewardcard?
What is the Rewardcard®?

The Rewardcard® is a prepaid card that can be used to purchase gifts and services anywhere Visa debit cards are accepted in the world.

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What makes the Visa® Rewardcard® different from other gift cards or gift certificates?

Your Rewardcard can be used anywhere Visa® debit cards are accepted in the world, unlike a store gift card or certificate which limits you to purchases only at that store.

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Is the Visa Rewardcard® a credit card?

No, the Visa® Rewardcard® is a prepaid Visa® card with the value of any amount you select between $10 and $1,000. Visa® Rewardcards® are non-reloadable.

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Shipping Fees:

Express shipping rates will apply. You will be shown your shipping charges during the order process.

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How much will it cost to process an order?

Here is the Processing Fee Schedule:

Number of cardsFee
1 - 24$10.00
25 - 99$15.00
100 - 249$20.00
250 - 999$25.00
1,000 - 4,000$30.00

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Rewardcard® Corporate Sales Ordering FAQs:
How do I place a Rewardcard Volume Order?

You can order Rewardcards by visiting www.simon.com/volume. After registering your account with you will be given access to the Corporate Sales website where you will place your order. To register and place your order Simon you will need the following information:

  1. Your (or your Company) name, address, and telephone number.
  2. Name, address, and telephone number of each recipient.
  3. Your payment information.
  4. Your order information - how many Rewardcards and for what denomination

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What is the minimum order size, and what is the maximum order size?

The minimum number of Rewardcards that you can order through the Rewardcard Volume Sales website is 1. The Maximum number of Rewardcards that you can order through the Rewardcard Corporate Sales website will be based on your program needs.

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Can I cancel an order?

Once you complete your order, you cannot cancel it. Please be certain that you've entered the correct information before submitting your order.

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What payment options are available?

You may pay via Credit Card (American Express®, Visa®, and MasterCard®), Customer Initiated ACH, Wire Transfer or Check. Please note that each of these payment methods must be approved by your account representative prior to your placing an order.

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What should I do if I am having trouble purchasing a Rewardcard® with my American Express®,  Visa® or MasterCard® on-line?

Be sure to check the following:

  1. Credit Card Expiration Date. Make sure the expiration date on your card matches the expiration date in your issuer's system.
  2. Address. The address on your Credit or Debit Card statement needs to be exactly the same as the one you enter on the order.

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Where can I download the Customer Initiated ACH payment instructions?

Click here to download the Customer Initiated ACH payment instructions.

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How long does it take to receive a Rewardcard?

Your order will be processed within 48 hours, Monday through Friday. Note: Cards cannot be shipped to a P.O. or APO Box. Once the order has been processed the Rewardcards will be shipped.

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Is the Rewardcard sent to the recipient or to me?

You are able to specify the shipping address when you place your order.

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Can I send the Rewardcard to anyone in the United States?

Yes, the card can be delivered to anyone within the United States (excluding below). However, we do not send Rewardcards to post office boxes, APO or FPO addresses, or international addresses.

The American Express Rewardcard cannot be ordered from or shipped to Delaware, Maine, or New Hampshire.

There are no state restrictions on the Rewardcard (a Visa prepaid card).

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What should I do if my recipient does not receive his or her Rewardcard?

If the Rewardcard has not arrived at the recipient's address within 5 business days, please:

Call us toll free at 1-877-746-6642  Monday through Friday 9:00 am to 5:00 pm EST for assistance. 

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How do I activate my order once I receive my cards?

Most orders will automatically activate based on a set number of days, however some orders must be manually activated. Please refer to the order confirmation emails you received after placing your order to determine how your cards will be activated. If you are directed to activate them yourself by logging back in to the Simon Volume Sales web site, then you will follow the directions below. Otherwise, activation will be automatic based on the date printed in your order confirmation email.

  1. 1. Login to the Volume Rewardcard website at http://www.simon.com/volume/login.
  2. 2. Click on the link labeled Activate Order and wait for your order history to appear.
  3. 3. Locate the order you just received and click the 'Ready To Activate' link. If you are having trouble locating your order, you can use one of the Rewardcards from the order to search for the order.
  4. 4. Click the Activate Cards button, then enter one of the Rewardcard numbers you received in the order to initiate the activation process (activation can take up to 24 hours, but is typically only a few hours).
  5. 5. You should receive a success message confirming the activation process was initiated -- click the Continue button to return the details page of your order and note the activation status should now read 'Activation Requested'. 
  6. At this point the activation request will be completed within the next 12-24 hours (but is typically completed in only a few hours). The cards will be ready to use once activation is complete. If you would like to check the status of the activation process, you can log in to your account at http://www.simon.com/volume/, click on order history, click on the order you want to check, and click the 'Check Activation Status' button to see the current status of your activation request.

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How can I increase the number of Rewardcards I can order in a single order?

If you need to increase these approval limits or have any questions about our products and services, please contact Jerry Leuthold at jleuthold@simon.com

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What should I do if I do not receive my order?

If you have not received your order within 5 business days, please log in to your account, open your order, and click on the tracking number. This will show the status of your shipment. You can also contact us at 1-877-746-6642 Monday thru Friday, 9:00am to 5:00pm EST for assistance.

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Using a Rewardcard® and Customer Service FAQs:
What if I want to buy something that costs more than the value of the Rewardcard?

If you try to spend more than the amount available on your Rewardcard, the transaction will be declined. To purchase an item that costs more than the available amount on your Rewardcard, you will need to combine the value of your Rewardcard with another form of payment. Follow these simple steps for a smooth transaction:

  • Inform cashier in advance you will be using two forms of payment..
  • Pay the cashier the difference with the alternate form of payment.
  • Present the Rewardcard and state specific amount to be used.

Note: It's important to keep track of your Rewardcard balance so you do not try to make purchases for more than the amount remaining on the Rewardcard. There are several ways you can keep track of your balance: Call the toll-free number printed on the back of the Rewardcard anytime, or stop by Simon Guest Services at your nearest Simon mall and we will look up your balance. You can also check your balance online:

For American Express Rewardcards: www.simon.com/rewardcard

For Rewardcards (a VISA prepaid card): www.simon.com/myrewardcardd

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Can I use my Rewardcard at more than one merchant?

Yes, as long as there are sufficient funds remaining on the Rewardcard.

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Can I add more money to the Rewardcard?

No, Rewarcards are non-reloadable. You can purchase a variety of Giftcards at www.simon.com or by visiting your local Simon mall.

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Can the Visa® Rewardcard® be replaced if lost or stolen?

Yes. Call Customer Service toll-free at 1-866-325-6328 to cancel the Rewardcard as soon as you can, 24 hours a day, seven days a week. You will need to know your Rewardcard number, so be sure to record it in a safe place. You may also be required to provide additional information. After you cancel the Rewardcard, we will send you a replacement Rewardcard with the remaining balance minus a $10 replacement fee.

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What happens when I spend all the funds on my Rewardcard?

Your Rewardcard will no longer be accepted as a form of payment.

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Why do I sometimes have problems spending my Rewardcard at restaurants, hair and nail salons, when I have enough money left on my Rewardcard to cover the bill for food / service?

It's customary for restaurants and some other service-oriented merchants to factor in an additional 20% to cover any tip you may leave on the Rewardcard. If your total bill, after adding in the additional 20%, exceeds the amount on the Rewardcard, it will be declined. You should ensure that your Rewardcard has an available balance that is 20% greater than your total bill.

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Why do I sometimes have problems using my Visa® Rewardcard® at pay at the pump at gasoline stations?

Always pay inside and tell the operator how much you want taken from your card. When you pay at the pump $75 is automatically deducted from your card, until the actual transaction posts (typically within three business days). If you have less than $75 on your card, your transaction will be declined at the pump.

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What happens if I need to return something I purchased with my Rewardcard?

Keep your Rewardcard in case you need to return merchandise for credit. Merchandise return and refund policies vary by merchant. If a credit is issued to the cardholder, the credit may not be added to the available funds for up to seven business days. Check your balance regularly at  www.simon.com/myrewardcard (Visa) to determine when your card has been credited for the return.

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How will I know the original value of my Rewardcard?

We provide a card carrier sleeve with purchase date and original value. You can also go to www.simon.com/myrewardcard (Visa) to check purchase date and value.

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How can I check the balance on my Rewardcard?

There are several ways you can keep track of your balance: Visit www.simon.com/myrewardcard (Visa), call the toll-free number located on the back of the card, anytime, 24 hours a day, to make automated balance inquiries; or stop by the Simon Guest Services at your nearest Simon mall. For the Rewardcard® (a Visa prepaid card), make sure you have the full card number (16 digits) and the 3-digit code on back of the card.

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Can I activate my Rewardcard on-line?

Most Rewardcards ordered through the Rewardcard Corporate Sales website are activated within seven (7) days after your order is received. If you are required to activate your order once you receive the cards, you will be notified by email with instructions on how to activate your order. You can also find activation instructions in this FAQ by clicking Here.

If you are having trouble activating your card on-line or you do not know the home telephone entered by the card purchaser, please contact Card Services at 1-877-746-6642 Monday thru Friday, 9:00am to 5:00pm EST.

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Can I register my Rewardcard on-line?

Yes. Once you receive a Rewardcard® (A Visa prepaid card) you can visit www.simon.com/myrewardcard to register your card. You'll need 3 things to register your card on-line:

  1. 1. Your personal information - name, address, email, etc.
  2. 2. 16-digit Card Number.
  3. 3. 3-digit CVV2 Number on the back of the Rewardcard.

If you are having trouble registering your card on-line please contact Card Services at the toll-free number printed on the back of the Rewardcard, 24 hours a day, seven days a week. You will need to know your Rewardcard number, so be sure to record it in a safe place. You may also be required to provide additional information. After you cancel the Rewardcard, we will send you a replacement Rewardcard with the remaining balance minus a $10 replacement fee.

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Why should I register my Rewardcard for internet purchases?

Internet, mail and telephone order merchants often require that personal information, including name, address, telephone number and email address, of the Rewardcard owner be verified with the card-issuing bank. If you wish to make internet, mail or telephone order purchases, you will need to register your Rewardcard prior to making an internet, mail or telephone order purchase.

This is important because internet, mail and telephone order purchases are subject to the merchant's security policy governing the acceptance of bank cards. What this means is that many merchants won't complete an internet, mail or telephone transaction if the data provided by the purchaser does not match with the information that the Bank has on file about the cardholder. Unless you register your Card in advance, there will be no way an internet, mail or telephone order merchant can confirm your identity. Without such confirmation, the merchant might decline your purchase even if there are sufficient funds on the card.

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My internet purchase was declined even though there was a sufficient balance - but my Rewardcard was still debited. Why?

If you had sufficient funds on the Rewardcard when the purchase was attempted, then the debit is a temporary debit. Your Rewardcard will be reimbursed for the amount debited within 6-8 days. The debit occurs because even though our Rewardcard system had approved the purchase, the merchant subsequently declined to complete the transaction under its security policies. (This probably occurred because you had not registered your Rewardcard in advance. See previous question above.) Once a purchase transaction is approved by the Rewardcard system, the funds are debited - and can only be replaced later, when the data indicating that no purchase was completed is received. Please note that Simon Property Group, Visa®, MetaBank or American Express® and their affiliates, employees, and agents have no control over merchant's security policies and cannot reverse or overrule a decline based on the merchant's security policies.

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Why is there a $1 transaction on my card that I did not make?

A $1.00 pre-authorization hold is a form of security validation used by many Internet merchants to ensure the credit/debit card or Rewardcard presented at the time of purchase is valid. The $1.00 pre-authorization hold is temporary and will be released and credited back to your card within 8 business days.

All Internet merchants do not use the method of validation for Internet purchases. Unfortunately, Simon has no way of distinguishing which merchants use the $1.00 pre-authorization hold. To ensure you have sufficient funds available when making Internet purchases, the purchase amount should be $1.00 less than the available balance on the Rewardcard.

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Who issues the Rewardcard?

Visa® Rewardcards® sold through the on-line Corporate Sales website are issued by MetaBank.

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