Owner’s rewardS card
Earn up to 10% cash back
Get a unique credit card for investors that rewards you for thinking like an owner. It’s the only card that integrates with your portfolio to help you grow your wealth, long-term.
Subject to Credit Approval
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 back1 with select brands you hold in an eligible portfolio—and 1.5% standard rewards on everything else.
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 more.
Reinvest your cash back
Using M1 automation, you can reinvest your rewards to help your portfolio continue to grow. That’s the long-term mindset at work.
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.2
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.
“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
“You save on your purchases, support the businesses you have a financial stake in and increase your ownership along the way.”
CNBC, 2021
“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
11.5% – 10% credit card cash back rewards earned on eligible purchases subject to a maximum of $200 cash back per calendar month. Trust and custodial account holdings are not eligible to qualify for Owner’s Rewards.
2Standard 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.