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Owner’s rewardS card

Earn or reinvest up to 10% cash back 

Work toward your long-term investing goals, even as you spend. The Owner’s Rewards card by M1 works seamlessly with your profile—so you can redeem or reinvest your cash back rewards as you see fit.

Owner's Rewards Card in sleek black

Subject to Credit Approval

Owner's Rewards Card in sleek black

Big brands.
Big rewards.

Spend with the 70+ popular brands including airlines, grocery stores, fuel brands, restaurants and more to earn extra cash back. M1 Plus membership unlocks 10%, 5% and 2.5% cash back rewards tiers.1 

Manage your card with M1 automation

It’s the only card that meshes seamlessly with your M1 profile. Automate your cash back rewards to reinvest in your M1 portfolio. Customize your payment schedule with your own rules. And reap bigger, better rewards from brands you actually buy. 

Your wallet’s slick investing sidekick

Owner's Rewards Card in sleek black

No annual fee2

Enjoy big rewards without the yearly overhead.  

Go contactless  
Tap to pay or add to your digital wallet. 

Simple integration

Manage, freeze and set automation rules for your card in M1.  

Visa Signature® perks  

Get added protection with Visa® Zero Liability.

M1 Plus exclusives 
Membership unlocks up to 10% cash back. 

Owner's Rewards Card in sleek black

Get the Owner’s Rewards Card by M1

Subject to Credit Approval

1 1.5% – 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 $36 annually or at $3 monthly).

2 APR ranges from 20.24% – 30.24% 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 January 2024.