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Owner’s rewardS card

Earn up to 10% cash back

Get a credit card 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.

Owner's Rewards Card in sleek black

Subject to Credit Approval

Owner's Rewards Card in sleek black

The Owner’s Rewards Program

M1 Plus members earn bigger rewards when shopping with select brands. Purchases made with brands in the Owner’s Rewards Program can earn you 2.5%, 5%, or 10% cash back.1

Big brands.
Big rewards.

Spend with the 70+ popular brands included in Owner’s Rewards to earn extra cash back. The tiered rewards program includes grocery stores, travel companies, fuel brands, restaurants, and more.

Invest your cash back

Using M1 automation, you can invest your rewards to help your portfolio continue to grow. That’s the long-term mindset at work.

Owner's Rewards Card in sleek black

No annual fee2

There’s no annual fee associated with the Owner’s Rewards Card.

Contactless card
Tap-to-pay or use Apple Pay or Google Pay for a contactless shopping experience.

Enhanced rewards with M1 Plus

M1 Plus membership unlocks 2.5%, 5%, and 10% cash back rewards tiers.1

Advanced security

Manage and freeze your card easily from your M1 account. Plus, with Visa Signature® benefits you get added protection with Visa® Zero Liability.

Owner's Rewards Card in sleek black
Bankrate logo

“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

CNBC logo

“You save on your purchases, support the businesses you have a financial stake in and increase your ownership along the way.”

CNBC, 2021

Business Insider logo

“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

It’s time to start earning like an owner.

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 $95 annually or at $10 monthly).

2 APR ranges from 19.99% – 29.99% 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 June 2, 2023.