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Owner’s Rewards Card by M1

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The Owner’s Rewards Card by M1 works as an extension of your M1 investments. You can earn up to 10% in cash back rewards by making purchases at the companies you own shares of within your M1 investment account. The card has yet to be released, but you can join the waitlist for updates and early access when it comes out.

Our rating
Min. credit level: Good

Owner’s Rewards Card by M1

Our rating
Good Min. credit level
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Highlights & Features

Rewards

Spending Rewards
  • Up to 10% cash back at eligible companies you hold shares of in M1 investment accounts
  • 1.5% cash back on all other purchases

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card

Fees

Penalty APR N/A
Late Fee N/A
Returned Payment Fee N/A
Additional Cards Annual Fee N/A
Foreign Transaction Fee N/A
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR N/A
Cash Advance Fee N/A
How to Get a Cash Advance with a Credit Card
Owner’s Rewards Card by M1

Highlights

  • Up to 10% cash back at eligible companies you hold shares of in M1 investment accounts
  • 1.5% cash back on all other purchases
  • Made of metal
  • Contactless payments
  • Join the waitlist to get updates and early access to apply
ABOUT THE ISSUER

Celtic Bank

The Owner’s Rewards Card by M1 is out to please a different market compared to your typical credit card, offering rewards based on companies you’re invested in.

You can earn 2.5%, 5%, or 10% cash back with companies you hold in an eligible M1 investment account. Rewards are automatically reinvested back into your account. You’ll get 1.5% cash back on all other purchases.

They’re subject to change, but here’s a list of just a few of the companies you can earn cash back at (as of August 2021):

Rate Brands
2.5% Apple Airbnb Amazon & Whole Foods Costco Ebay McDonald’s Target
5% Delta Airlines FedEx Starbucks Reverb & Etsy Marshalls Nike Domino’s Pizza
10% GameStop Netflix Tesla Peloton Wayfair Adobe Victoria’s Secret

The card is not yet available to the public, but you can join the waitlist to get updates and early access to apply.

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