M1 Plus
Get the best of M1 for just $10 a month
M1 Plus is a membership that gives you the best rates and tools that M1 has to offer. Your first 3 months† are free, then it’s just $10 a month.
Cancel anytime
Higher yields on savings
Save smarter with 5.00% APY1 on your cash with an M1 High Yield Savings Account
Bigger cash back rewards
Spend smarter with 2.5%, 5%, or 10% cash back2 at 70+ brands with the Owner’s Rewards Card by M1 (no annual fee)
Lower loan rates
Borrow for less with a discount* on M1 Margin Loans and M1 Personal Loan rates. To see the difference between personal loans and margin loans, click here.
3 ways to
score M1 Plus
$10
a month
Get some of the best rates on the market—for the same price as a Spotify subscription.
$95
a year
Save a $25 when you choose to pay annually (and put that toward your long-term goals).
6 months
Free
Refer a friend for 6 months free. There’s no limit—each referral adds six months to your subscription.
See Details.
Here’s how M1 Plus can pay you back
Earn 5.00% APY1 with the M1 High-Yield Savings Account
Have $10,000 in savings? At 5.00% APY1 you’ll earn over $500 in interest in a single year. That covers the cost of M1 Plus for four years—and you’ll keep accruing interest the longer you save.
Calculate your interest →
Spend on brands you already buy
The Owner’s Rewards Card by M1 gives you 10% cash back2 on major brands like Tesla and Peloton7—with no annual fee. A new Peloton bike purchase would rack up $144.50 in rewards.
See full reward tiers →
Borrow at a big discount
Avoid paying steep interest with competitors. For Margin Loans, borrow against 40% of your portfolio’s value on margin for 6.95%5. And enjoy a 1.50% discount* on M1 Personal Loans.
Explore Margin Loans →
Explore Personal Loans→
Take a closer look at the benefits of M1 Plus
Earn up to 10% cash back with the Owner’s Rewards Card by M1
• Access higher rewards tiers, up to 10% cash back2 (see brands)
• Plus 1.5% cash back on everything
• Automatically reinvest your cash back rewards into your portfolio
Borrow on margin for 6.95%5
• Get a 1.55% discount compared to non-Plus members
• Borrow up to 40% of your portfolio’s value
• No application required
Enjoy a 1.50% discount* on M1 Personal Loans
• Get a Personal Loan starting at 7.49%
• Zero fees
• Borrow up to $50,000 over 2–7 years
Look for the M1 Plus symbol while using the M1 app.
It means you’re enjoying a premium benefit!
†Your free trial (a $30 value) begins the date you enroll in the M1 Plus subscription, and ends 3 month after (“Free Trial”). Upon expiry of the Free Trial, your account is automatically billed a monthly subscription fee of $10 unless you elect annual billing of $95 or cancel your subscription under your Membership details in the M1 Platform.
1Obtaining 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.
21.5% – 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).
3Participate in both trade windows when you have $25,000 or more equity to comply with pattern-day trading regulations.
*Lowest 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.
5Brokerage accounts on the M1 platform are either fully disclosed to APEX Clearing or cleared through M1 Finance LLC. Accounts numbers cleared by M1 begin with the letters GM. More information about finding your account number can be found in our Help Center.
All investing involves risk, including the risk of losing the money you invest. Past performance does not guarantee future performance. Using margin can add to these risks. Users utilizing APEX cleared margin accounts should review the M1 APEX margin account risk disclosure before borrowing. Users utilizing cleared margin accounts should review the M1 margin account risk disclosure before borrowing. M1 Margin Loans are available on margin accounts with at least $2,000 invested per account. Not available for Retirement or Custodial accounts. Margin rates may vary.
Brokerage products and services are offered by M1 Finance LLC, Member FINRA / SIPC, and a wholly owned subsidiary of M1 Holdings, Inc
6On-demand trading for M1 Plus members only, limited to 10 on-demand trades per calendar month. 24/7 availability is subject to scheduled maintenance.
7For 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.
8B2 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.