What's the difference between the M1 Spend Checking Account and the Owner's Reward's Card by M1? 


M1 Spend Checking Account 

M1 Spend Checking Accounts are checking accounts that are issued by M1’s banking partner, Lincoln Savings Bank.

M1 Spend Checking Accounts are online checking accounts that are available for M1 Plus members which allow you to move money between InvestBorrow, and Spend easily. The M1 Visa® Debit card connects to your M1 Spend Checking Account. Learn more about M1 Spend Checking 


The Owner’s Rewards Card by M1 

The Owner’s Rewards Card by M1 is a credit card that offers cash rewards for participating brands and stocks you own in your M1 Invest account, exclusively available for M1 Plus members. With the Owner’s Rewards Card by M1 you’ll be able to get up to 10% cash back on these purchases*. More details about the Owner’s Rewards Card by M1 are coming soon. Learn more about the Owner's Rewards Card by M1. 



*Review card disclosures for details, disclosures will be accessible once credit card applications are made available and are subject to change. 


M1 Plus is an annual subscription that renews at $125/yr. 


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