While APR (Annual Percentage Rate) is based on your creditworthiness when you open your account, APR will vary with the market based on the Prime Rate.
For more information about APR, please review the Cardholder Agreement or reach out to the Owner’s Rewards Card by M1 team at (833) 978-3351. They are available Monday-Friday from 8 am-8 pm CT and Saturday from 9 am-2 pm CT.