THINK LIKE AN OWNER. EARN LIKE ONE TOO.  

Make every swipe an investing opportunity with the Owner’s Rewards Card by M1. Our new, unique credit card rewards program is created for investors info icon to help build wealth with everyday purchases. Must be an M1 Plus member to apply, your first year is free after you join (a $125 value).


EARN UP TO 10% CASH BACK

Shop with certain brands you believe in and invest in with M1 to earn cash back. Get 10%, 5% or 2.5% cash back on purchases with some of the most popular brands—and 1.5% standard cash back on everything else. info icon


BIG BRANDS, BIG REWARDS

From Apple to Amazon, Walmart to Target, Spotify to Netflix, Peloton to Popeyes, Victoria’s Secret to Converse and so many more—if they’re in your eligible portfolio, you’ll get rewarded when you spend there info icon See the full list here.


REINVEST YOUR CASH BACK

Using M1 automation, you can reinvest your rewards in your portfolio for continued growth. That’s the long-term mindset at work. 


CONTACTLESS METAL CARD

Shop any way you like: show off your sleek metal card or pay with tap-to-pay, Apple Pay and Google Pay for a contactless shopping experience.  



MORE TOOLS FOR GROWTH

M1 is the all-in-one, Finance Super App. Everything you need to build and manage your money is at your fingertips in a sleek, intuitive platform.  


INVEST

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Flexible, customizable, and automated. It’s your money, intelligently invested the way you want, for free.

LEARN MORE ABOUT INVEST

BORROW

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A flexible line of credit at a low, low rate. Borrow against your investments at 2-3.5% without extra paperwork. info icon

LEARN MORE ABOUT BORROW

SPEND:
CREDIT

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Earn up to 10% cash back info icon with the Owner’s Rewards Card by M1. Then, reinvest your rewards for long-term growth. Exclusively available for M1 Plus members.

LEARN MORE ABOUT CREDIT

SPEND: CHECKING

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The best of digital banking, seamlessly integrated with your investments. Empowered to make every cent work hard for you.

LEARN MORE ABOUT CHECKING



UNLOCK THE OWNER’S REWARDS CARD—AND SO MUCH MORE

When you first join M1, you’ll be eligible for a free year of M1 Plus (a $125) value. With M1 Plus, you’ll have exclusive access to apply for the Owner’s Rewards Card by M1, on top of the other premium perks, tools, and rewards. 

There’s no catch. Sign up in seconds and change your membership settings anytime.


M1 logo

M1 BASIC

FREE

INVEST

  • $0 trading commissions
  • AM trade window

BORROW info icon

  • 3.5% rate
  • $5,000 minimum balance

SPEND

  • Free digital checking
M1 Plus logo

M1 PLUS

$125/YEAR (FIRST YEAR IS FREE)

INVEST

  • $0 trading commissions
  • AM or PM trade window info icon
  • Smart Transfers
  • Custodial accounts

BORROW

  • 2% rate
  • $5,000 minimum balance

SPEND: CHECKING

  • Digital checking included
  • 1% APY info icon
  • 1% cash back on debit
  • Send checks

SPEND: CREDIT

  • Exclusive access to apply for the Owner’s Rewards Card by M1
  • Up to 10% cash back when you spend at brands in eligible portfolios
  • 1.5% cash back everywhere else

WHAT THE WORLD IS SAYING 


CNBC logo

“You save on your purchases, support the businesses you have a financial stake in and increase your ownership along the way.”

CNBC, 2021

Business Insider logo

“So while M1 isn’t the first card to focus on investing instead of spending your rewards, the elevated bonus opportunities will position it at the front of the race.

Business Insider, 2021

Bankrate logo

“There aren’t many offers that make it easy for you to invest your cash back rewards into the stock market. That’s where the Owner’s Rewards Card by M1 comes in.” 

Bankrate, 2021



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ACCOUNT PROTECTION WITH PEACE OF MIND


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Securities in M1 Invest accounts are insured up to $500,000 by the SIPC.


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Manage and freeze your card easily from your M1 account. Plus, with Visa Signature® benefits you get added benefits like Visa® Zero Liability.  


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We are a technology-first company that utilizes the latest in information security.

POWERFUL INVESTING, YOUR WAY

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By using this website, you accept our Terms of Use and Privacy Policy and acknowledge receipt of all disclosures in our Disclosure Library. All agreements are available in our Agreement Library. M1 relies on information from various sources believed to be reliable, including clients and third parties, but cannot guarantee the accuracy and completeness of that information.

M1 refers to M1 Holdings Inc., and its affiliates. M1 Holdings is a technology company offering a range of financial products and services through its wholly-owned, separate but affiliated operating subsidiaries, M1 Finance LLC and M1 Spend LLC.

M1 Plus is an annual membership that confers benefits for products and services offered by M1 Finance LLC and M1 Spend LLC.

All investing involves risk, including the risk of losing the money you invest. Past performance does not guarantee future performance. Using M1 Borrow’s margin account can add to these risks, and you should learn more before borrowing. Nothing in this informational site is an offer, solicitation of an offer, or advice to buy or sell any security and you are encouraged to consult your personal investment, legal, or tax advisors.

Brokerage products and services are not FDIC insured, no bank guarantee, and may lose value. Brokerage products and services are offered by M1 Finance LLC, an SEC registered broker-dealer, Member FINRA / SIPC.

M1 Spend checking accounts furnished by Lincoln Savings Bank, Member FDIC. M1 Visa® Debit Card is issued by Lincoln Savings Bank, Member FDIC.

Credit Card not available for US Territory Residents. Review Cardholder Agreement and Rewards Terms for important information about the Owner’s Rewards Card by M1. The Owner’s Rewards Card by M1 is Powered by Deserve and issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC.

All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.

App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC.

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