M1 Plus perks



Afternoon trade window 

This trade window, exclusively for M1 Plus members, begins at 3pm ET*.  


Smart Transfers 

Plus members can create Smart Transfers, or cash sweeps, to automatically move money between their M1 Spend and taxable Invest accounts based on customizable rules.   


Custodial accounts 

Plus members get access to create a Custodial account. Learn how to open a Custodial account. 



2.25% rate 

You can borrow up to 40% of your portfolio value via a margin loan at 4.25% interest rate, or 2.75%* if you are an M1 Plus member**.

Learn more about M1 Borrow.


Spend: Checking 

1% APY**** checking & cash back 

Plus members get 1% cash back on qualifying debit card purchases.***** 

Any transfers of funds, including those facilitated via a card transaction, are not eligible for cash back. Cash back from the previous month will be paid out by the 10th of the following month.   


4 monthly ATM fee reimbursements 

All M1 members get 1 monthly ATM fee reimbursement, while M1 Plus members get 4 monthly reimbursements. 


0 international fees on debit card purchases 

Standard M1 members are charged 0.8-1% international fees. M1 Plus members are reimbursed for those fees the following month.  


Send Check 

Send Check is M1's check-writing feature that allows Plus members to send money and pay bills with a traditional paper check , straight from the M1 app. 



Spend: Credit

Apply for the Owner’s Rewards Card by M1 

Apply for the Owner’s Rewards Card by M1. 


Annual fee waived with membership 

The Owner's Rewards Card by M1 has a $95 annual fee which is charged every 12th billing cycle. This yearly fee is waived if you’re an active M1 Plus member at the time of renewal. 


Earn 1.5-10% cash back 

Earn 10%, 5%, or 2.5% cash back on purchases with 70+  brands included in the Owner’s Rewards program, and 1.5% standard cash back on everything else. 


Automatically re-invest rewards in eligible accounts 

Using M1 auto-invest, you can reinvest your rewards in your portfolio.  




* Participate in both windows daily when you have $25,000+ in your investment portfolio to comply with pattern-day-trading regulations.   

**M1 Borrow available on margin accounts with at least $2000 invested. Not available for all account types. Investing involves risk, including the risk of loss. Using M1 Borrow’s margin account can add to these risks. Brokerage products and services offered by M1 Finance LLC, Member FINRA/ SIPC. 

***M1 Plus Borrow rate is a reduction of the M1 Borrow base rate of 4.25%, which is variable and tracks the Federal Funds Rate. When the Federal Funds Rate goes up or down, the M1 Borrow base rate may follow.  

***** Debit card purchases are when the card is swiped, or its 16-digit number is entered online. Any fund transfers, including via card transactions, are not eligible for cash back. 

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