The Owner’s Rewards Card by M1 is coming soon with a unique credit card rewards program created for investors. info icon

Early applications are now open to the waitlist! If you missed the waitlist, sign up to get notified when you can apply for the credit card in early November.


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 iconReview card disclosures for more details.


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 iconFor 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.


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

Owner's Rewards brand logos
CNBC logo with NBC peacock

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

CNBC, 2021


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.


Applying for the Owner’s Rewards Card by M1 is just one of the many perks that are available with a Plus membership. The first year of Plus is free, and it’s just $125 per year after that.

Learn more and sign up.


Going all-in-one with M1 helps make the big picture clear. And with a credit card in the mix, the connections between your M1 accounts get stronger. 


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

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

The Owner’s Rewards card is powered by Deserve. See Deserve’s Terms of Service.

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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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