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 simon.com/mall for a detailed list of all eligible merchants. Once a Cardmember makes $10,000 of Eligible Purchases in the 5% back category, then any Eligible Purchases beyond $10,000 in a calendar year will earn 1% back in any statement cycle in which you make at least 5 (five) transactions.