Will you run a credit check when I apply? 

When you apply for the Owner’s Rewards Card, a soft credit report is pulled to determine if you’re eligible. 

Soft credit report checks do not affect your credit score. 


If you’re provisionally approved for the Owner’s Rewards Card 

If you’re provisionally approved and accept your offer, we’ll run a hard credit inquiry. 

This hard check can affect your credit score. 


For more information about credit checks, please reach out to the M1 Owner’s Rewards Card team at (833) 978-3351 

They are available Monday-Friday from 8 am-8 pm CT and Saturday from 9 am-2 pm CT.


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