The Owner’s Rewards Program

Shop with select brands you believe in (and invest in) to earn cash back. You’ll get 10%, 5%, or 2.5% cash back with select brands you hold in an eligible portfolio—and 1.5% standard rewards on everything iconReview card disclosures for more details.

Product mockup of Spend screen
rotating GIF of logos included in the Owner's Rewards Card brands, including, Apple, Tesla, Chipotle, JetBlue, Target, Home Depot and more

Big brands. Big rewards.

Spend with the 70+ popular brands (50+ tickers) included in Owner’s Rewards to earn extra cash back. The tiered rewards program includes grocery stores, travel companies, fuel brands, restaurants, and 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.

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.

Screen shot of M1 invest portfolio tab
The Owner's Rewards Card by M1 is a sleek, black metal credit card.

Contactless card

Tap-to-pay or use Apple Pay or Google Pay for a contactless shopping experience. 

$95 annual fee

The Owner’s Rewards Card has a $95 annual fee, waived with an active M1 Plus membership. 

Advanced security

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

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

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

It’s time to start earning like an owner.

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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.

Commission-free trading of stocks and ETFs refers to $0 commissions charged by M1 Finance LLC for self-directed brokerage accounts. Other fees may apply such as regulatory, M1 Plus membership, account closures and ADR fees. For complete list of fees, visit M1 Fee Schedule.

M1 is not a bank. 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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