EARN LIKE YOU OWN THE PLACE


UP TO 10% CASH BACK

Earn up to $200 a month when you spend with select brands you hold in an eligible portfolio.


REINVEST REWARDS

Use M1 Invest to automatically reinvest your cash back for long-term impact.


METAL CARD

Not to brag, but it’s a beauty. You’ll love paying with this unique contactless card.



50+ tickers. 70+ brands.

THE OWNER’S REWARDS PROGRAM

Get extra cash back when you spend with select brands you hold in eligible accounts. See full list.


10% CASH BACK

on select brands, including

GIF of the Owner's Rewards Credit Card 10% brand tier

See all 10% brands

5% CASH BACK

on select brands, including

GIF of the Owner's Rewards Credit Card 5% brand tier

See all 5% brands

2.5% CASH BACK

on select brands, including

GIF of the Owner's Rewards Credit Card 2.5% brand tier

See all 5% brands


1.5% CASH BACK ON EVERYTHING ELSE

Pay for gas, groceries,  travel, and more.



Disclosure: For informational purposes only and not a trade recommendation. 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. 


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ACCOUNT PROTECTION WITH PEACE OF MIND


SIPC logo

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


Graphic of a lock

Manage and freeze your credit 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.

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



GET EXCLUSIVE PERKS WITH M1 PLUS

UNLOCK OWNER’S REWARDS —AND SO MUCH MORE

M1 Plus lets you apply for the credit card and access exclusive perks across the M1 platform. We want everyone to try it, so when you first join M1, you’ll be eligible for a free year of Plus (a $125 value). Sign up in seconds and change your membership settings anytime.


SPEND: CREDIT

Earn up to 10% cash back with the Owner’s Rewards Card by M1 and reinvest your rewards for long-term growth.





Application

Annual fee

M1 BASIC
Free


$95

M1 PLUS
$125/year
(first year is FREE)

Waived

SPEND: DEBIT

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





Online checking

Monthly ATM fees reimbursed 

APY info icon

Cash back

Early direct deposit

Send check

M1 BASIC
Free


1

0%

0%

M1 PLUS
$125/year
(first year is FREE)

4

1%

1%

BORROW

A flexible line of credit at a low, low rate. Borrow against your investments without extra paperwork. Learn more about Borrow.





Rate info icon

5,000 minimum balance

M1 BASIC
Free


3.5%

M1 PLUS
$125/year
(first year is FREE)

2%

INVEST

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





$0 trading commissions

AM trade window

PM trade window info icon

Custodial brokerage accounts

Smart transfers

M1 BASIC
Free


M1 PLUS
$125/year
(first year is FREE)

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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