The Owner’s Rewards Card by M1

    Credit Needed
    Purchase APR
    16.49% - 26.49%
    Annual Fee
    $95, $0 M1 Plus Intro Fee
    Intro Purchase APR
    Intro Purchase Period
    Balance Transfer APR
    Intro BT APR
    Intro BT Period
    Cash Advance APR
    Balance Transfer Fee
    Cash Advance Fee
    Late Payment Fee
    Up to $25
    Foreign Transaction Fee
    See terms
    Terms and Conditions
    Top Features
    • Earn up to 10% cash back* with the Owner's Rewards Cardby M1. Then, reinvest your rewards for long-term growth.
    • Shop with select brands you hold in an eligible portfolio to earn 2.5%, 5%, or 10% cash back. Get 1.5% cash back on everything else.
    • Use M1 automation to easily reinvest your rewards for longterm impact.
    • Integrate even more of your financial life in one place, while helping you grow and maximize your wealth with everyday transactions
    • Visa Signature® benefits including Zero Liability, exclusive experiences, and more
    • The credit card for investors is here. Invest when you spend and build your wealth with everyday transactions.
    • $95 credit card annual fee waived for active M1 plusmembers.
    • Your first three months of M1 Plus is free.* Get exclusivefeatures and discounts to help you build your wealth.

    Not available for US territory residents. Owner’s RewardsCard by M1 is Powered by Deserve and issued by Celtic Bank,a Utah-Chartered Industrial Bank, Member FDIC. M1 Spend is a wholly-owned operating subsidiary of M1Holdings Inc.M1 Spend checking accounts furnished by Lincoln SavingsBank, Member FDIC. M1 Visa® Debit Card is issued by LincolnSavings Bank, Member FDIC. Brokerage products are offered by M1 Finance LLC, MemberFINRA/ SIPC.All investing involves risk, including the risk of losing themoney you invest, borrowing on margin adds to those risks.Rates may vary. Review Cardholder Agreement and Rewards Terms forimportant information about the Owner’s Rewards Card byM1. Cardholder Agreement. Rewards Terms. 1.5%-10% credit card cash back rewards earned on eligiblepurchases subject to a maximum of $200 cash back percalendar month. For informational purposes only and not a traderecommendation. All product and company names aretrademarks or registered trademarks of their respectiveholders. Use of them does not imply any affiliation with orendorsement by them. All investing involves risk, including the risk of loss. Brokerage products are offered by M1 Finance LLC, MemberFINRA/SIPC. M1 Plus is a $125 annual subscription offering products andservices from M1 Spend LLC and M1 Finance LLC, both whollyowned, separate but affiliated subsidiaries of M1 Holdings Inc.*Your free trial (a $31.25 value) begins the date you enroll inthe M1 Plus subscription, and ends 90 days after ("FreeTrial"). Upon expiry of the Free Trial, your account isautomatically billed an annual subscription fee of $125 unlessyou cancel under your Membership details in the M1Platform.

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