Account protections to give you peace of mind
As a technology-first company, M1 utilizes the latest in information security to keep your private information secure.
Borrow on margin for as low as 7.25% 5
With M1 Margin Loans, you can put your portfolio to work. Borrow against 40% of your portfolio’s value and get one of the lowest rates on the market—all paperwork-free.
Get up to 10% cash back in credit card rewards
With the Owner’s Rewards Card in your wallet, you can pay yourself back as you spend. Earn up to 10% cash back2 and automatically re-invest your rewards in your portfolio. Better yet, there’s no annual fee.
Join hundreds of thousands
who trust us with $7 billion
Information as of August 2023
Build and manage your wealth, your way
1 Obtaining stated APY (annual percentage yield) or opening a savings account does not require a minimum account balance. Stated APY is valid from date of account opening. Account fees may reduce earnings. Higher APY rate subject to paid M1 Plus subscription. Rates are subject to change.
2 1.5% – 10% Owner’s Rewards cash back earned on eligible purchases subject to a maximum of $200 cash back per calendar month. Cash back rates of 2.5% – 10% require an active M1 Plus subscription (billed at $95 annually or at $10 monthly).
3 B2 Bank is a member FDIC institution and does not itself provide more than $250,000 of FDIC insurance per legal category of account ownership as described in FDIC regulations. Additional FDIC insurance coverage is provided through B2’s Insured Deposit Network Program involving other FDIC insured depository institutions. Deposits may be insured up to $5,000,000 through B2’s Insured Deposit Network Program. Full terms of the Program can be found at m1.com/legal/agreements/HYSA_Agreement and a complete list of participating banks in the program can be found at m1.com/legal/agreements/depositnetwork.
APR ranges from 19.99% – 29.99% based on creditworthiness of the applicant. APR will vary with the market based on the Prime Rate. There is no Annual Fee for the Owner’s Rewards Card. Rates as of June 2, 2023.
5 M1 Margin Loans are available on margin accounts with at least $2,000 invested per account. Not all securities are available for M1 Margin Loans and the amount that may be borrowed against a security is subject to change without notice. Available margin amount(s) of M1 Margin Loans may require greater than $2,000 per Brokerage Account. Not available for Retirement and Custodial accounts. Margin rates may vary.