Cash back for qualifying M1 Spend Visa™ Debit Card purchases

M1 Plus members get 1% cash back on qualifying debit card purchases.  


Qualifying purchases 

Qualifying purchases are purchases for goods and services minus returns and other credits. 

Cash back from the previous month will be paid out by the 10th of the following month. 


What doesn’t qualify  

  • Fees 
  • Interest charges 
  • ATM transactions 
  • Cash over portions of point-of-sale transactions 
  • Peer-to-Peer (P2P) payments (such as Apple Pay) 
  • Loan payments  
  • Account funding  

In addition, purchases made using third-party payment accounts (services such as Venmo® and PayPal™, who also provide P2P payments) may not be eligible for cash back rewards. 


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