M1 Plus

New members can try Plus free for three months

You deserve the best of everything. As an M1 Plus member, you’ll get an edge when using Invest, Borrow, and Spend. Only $125/year after trial. Cancel anytime.4

M1 plus logo

Earn more. Access more. Do more.

By joining M1 Plus, you’ll get an edge on your money
moves when it’s time to invest, borrow, or spend.


More ways to grow.

  • Smart transfers
  • Custodial accounts
  • AM or PM trading window6
  • $0 trading commissions

Without M1 Plus

  • $0 trading commissions
  • AM trade window only


M1 users pay just 5.00%
6.50% without M1 Plus

  • No application
  • Pay at your own pace
  • $2,000 balance minimum1


2.50% APY.2
1% cash back.5

  • Send recurring paper check
  • 4 monthly ATM fee reimbursements
  • 0% (international fees reimbursed)

Without M1 Plus

  • $0 balance minimum
  • 1 monthly fee reimbursement
  • 0.8% – 1% international fees


$95 fee waived
for members7

  • Apply to earn 1.5% – 10% cash back3
  • Reinvest rewards in eligible accounts
  • Visa Signature® benefits
M1 Plus logo

Look for the M1 Plus symbol while using the M1 app.
It means you’re enjoying a premium perk!

Join an exclusive club

Plus members get special privileges. As a member of the Plus community, you’ll have access to the latest and greatest tools, upcoming webinars, and offers tailored to the Plus experience.

Sign up in minutes for the best perks

Cancel anytime from your account settings.

Free for the first three months

You deserve the best of everything. As an M1 Plus member, you’ll get an edge when using Invest, Borrow, and Spend. Only $125/year after trial. Cancel anytime.

$125 for returning members

That’s about $10.42 each month, for the best of everything we offer. The cost of Plus is billed annually.

Total control, total automation for
your wealth today and tomorrow

Three phones in a row each displaying different dashboards from the M1 app.

1M1 Borrow available on margin accounts with a balance of at least $2,000. Not available for retirement and custodial accounts. Rates may vary. 

2No minimum balance to open account or to obtain APY (annual percentage yield). APY valid from account opening. Fees may reduce earnings. Rates may vary. National average is 0.04% APY as of September, 2022. Obtained from the FDIC.

3Must own securities in a qualified M1 investment account as explained in M1’s Owner’s Rewards Terms & Conditions to be eligible for 2.5%, 5%, & 10% categories. Credit card cash back rewards earned on eligible purchases subject to a maximum of $200 cash back per calendar month.

4Your free trial (a $31.25 value) begins the date you enroll in the M1 Plus subscription, and ends 90 days after (“Free Trial”). Upon expiry of the Free Trial, your account is automatically billed an annual subscription fee of $125 unless you cancel under your Membership details in the M1 Platform.

5Debit card purchases are when the card is swiped, or its 16-digit number is entered online. Any fund transfers, including via card transactions such as P2P or third party processors, are not eligible for cash back.

6Participate in both trade windows when you have $25,000 or more equity to comply with pattern-day trading regulations.

7Standard Purchase APR ranges from 17.24% – 27.24% 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 August 3, 2022.