This offer is not available in U.S. territories. See offers for your state

Card
Network

Visa®
Bank

Celtic Bank
Issuing
Country

United States
User
Category

Consumer
Card
Type

Unsecured
Credit
Recommended

Excellent/Good

This offer is not available in U.S. territories. See offers for your state

Interest Rates
Maintenance Fees
Customer Service
Features & Benefits
Reward Program
Card Overall Rating

This offer is not available in U.S. territories. See offers for your state

MAIN CARD FEATURE

Earn cash back on everyday purchases with the Owner's Rewards Card by M1. Then, reinvest your rewards for long-term growth.

CARD DETAILS

  • Earn cash back on everyday purchases with the Owner's Rewards Card by M1. Then, reinvest your rewards for long-term growth.
  • Get a baseline of 1.5% cash back on everyday purchases, and unlock higher rewards tiers of 2.5%, 5%, and 10% cash back** with M1 Plus.
  • Use M1 automation to easily reinvest your rewards for long-term impact.
  • Integrate even more of your financial life in one place, while M1 helps you grow your wealth with everyday transactions.
  • Visa Signature® benefits including Zero Liability, exclusive experiences, and more.
  • The credit card for investors is here. Invest when you spend and build your wealth with everyday transactions.
  • There is no annual fee.
  • Your first three months of M1 Plus is free.* Get exclusive features and discounts to help you build your wealth.
+ Pros
  • Cash back rewards.
  • Possibility to reinvest your cash back.
  • No annual fee.
  • Exclusive features and discounts with M1 Plus.

REWARDS: Cash Back

Rewards Program
  • Earn cash back on everyday purchases with the Owner's Rewards Card by M1. Then, reinvest your rewards for long-term growth.
  • Get a baseline of 1.5% cash back on everyday purchases, and unlock higher rewards tiers of 2.5%, 5%, and 10% cash back** with M1 Plus.
Rewards Bonus
No Rewards Bonus

PURCHASES

Intro
APR

N/A
Ongoing
APR

20.24% - 30.24% APR
Penalty
APR

N/A
Minimum Grace
Period

See terms
Minimum Interest
Charge

$1.00

BALANCE TRANSFERS

Intro
APR

N/A
Ongoing
APR

N/A
Balance Transfer
Fee

N/A
Penalty
APR

N/A
Minimum Grace
Period

See terms

CASH ADVANCE

Intro
APR

N/A
Ongoing
APR

N/A
Cash Advance
Fee

N/A
Penalty
APR

N/A
Minimum Grace
Period

See terms

GENERAL FEES

Application Processing
Fee

See terms
Annual
Fee

$0
Foreign Transaction
Fee

$0
Late Payment
Fee

Up to $25
Card Overall Rating
APPLY
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