Will you run a credit check when I apply? 

When you apply for the Owner’s Rewards Card, a soft credit report is pulled to determine if you’re eligible.  

Soft credit report checks do not affect your credit score.  


If you’re provisionally approved for the Owner’s Rewards Card  

If you’re provisionally approved and accept your offer, a hard credit inquiry through Experian will be run.  

This hard check can affect your credit score. 


Will my Owner’s Rewards Card account be reported to any credit bureaus? 

Yes, your Owner’s Rewards Card account will be reported to TransUnion, Experian, and Equifax.  

A report of your account will be sent to TransUnion, Experian, and Equifax monthly.  

For more information about credit checks, please reach out to the M1 Owner’s Rewards Card team at (833) 978-3351.  

They are available Monday-Friday from 8 am-8 pm CT and Saturday from 9 am-2 pm CT. 

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