How do I apply for the Owner's Rewards Card by M1? 


Who is eligible?  

To be eligible to apply for the Owner’s Rewards Card by M1, you must:  

  1. Have an active M1 Invest Account.  
  2. Have an address located in one of the 50 US states. US territories are not supported at this time.  

If you meet the application eligibility, follow these steps to apply  

  1. Click “Spend”   
  2. Click the credit card icon  
  3. Click “Apply”   
  4. Follow the prompts   

Some of your personal information will be pre-filled using your current account information.   

If this information is incorrect, please select “Update Profile Information” to make sure your profile is updated before you continue with the application.  


Next steps  

If you’re provisionally approved  

You can read the terms of the offer and accept or decline.  

If you were denied  

You can apply again at a later date which will be displayed on-screen.  

If you aren’t provisionally approved  

Please follow prompts to submit additional documents needed to complete the application process. Your application will remain pending until a decision is made.   

The manual review process typically takes two business days but can take up to 30 days.  

To check on the status of your application at any time, go back to the “Spend” tab and select the credit card icon.   


For questions on the status of your application, please reach out to the Owner's Rewards Card by M1 Team at (833) 978-3351. They are available Monday-Friday between 8 am-8 pm CT and Saturday between 9 am-2 pm CT. 

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