M1 Plus

New members can try M1 Plus free for three months

You deserve the best of everything. As an M1 Plus member, you’ll get an edge when you invest, borrow, and spend. Only $125/year after trial. Cancel anytime.1

M1 plus logo

Earn more. Access more. Do more.

By becoming a member of M1 Plus, you’ll get
an edge on every money move you make.

Invest Accounts

More ways to grow.

  • Smart Transfers
  • M1 Custodial Accounts
  • AM or PM trading window2

Margin Loans

Pay just 6.75%3

  • No application
  • Pay at your own pace
  • Borrow up to 40% of your portfolio’s value

Owner’s Rewards Card by M14

Earn up to 10% cash back5

  • Access higher rewards tiers, including 2.5%, 5%, and 10% cash back.


On-demand trading

  • Trade 24 hours a day, 7 days a week—up to 10x per month.6 

Personal Loans

1.50% discount7

  • Zero fees
  • Rates start at 7.49% with M1 Plus7 
  • Borrow up to $50k over 2–7-years 


3.30% APY8
1% cash back9

  • Send recurring payments via paper check 
  • 4 monthly ATM fee reimbursements 
  • All international fees reimbursed 

Savings (Coming in 2023)

4.50% APY10

  • FDIC-insured up to $250,000
  • No minimum deposit
  • No minimum balance
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

If you’ve never tried M1 Plus before, your first three months are free. This is a great way to try out our best features before paying for membership, which is $125/year after trial.

$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.

More control and automation,
for your wealth today and tomorrow

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

1Your 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.

2Participate in both trade windows when you have $25,000 or more equity to comply with pattern-day trading regulations.

3M1 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.

4APR ranges from 19.49% – 29.49% 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 March 1, 2023.

5Must 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.

624/7 availability subject to scheduled maintenance.

7Lowest fixed rates available to M1 Plus members only, subject to credit history, income, term of loan, and other factors. Rates are not guaranteed and are subject to change. Not all applicants qualify for the lowest available rate. 

8No 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 0.06% APY as of March, 2023. Obtained from the FDIC.

9Debit 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.

10Obtaining stated APY (annual percentage yield) or opening an account does not require a minimum account balance. Stated APY is valid from date of account opening. Account fees may reduce earnings. Variable APY rate subject to paid M1 Plus subscription.  

Stated APY (annual percentage yield) is subject to change prior to product launch due to changing federal funds rate. 

M1 Spend is a wholly-owned operating subsidiary of M1 Holdings Inc. M1 is not a bank. M1 Savings Accounts are furnished by B2 Bank, NA, Member FDIC.