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  Owners Reward Card By M1
Owners Reward Card By M1
in Credit Cards from M1 Holdings Inc
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Owners Reward Card By M1

Unaffiliated
in Credit Cards from M1 Holdings Inc
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Highlights
Purchase APR  (Variable APR) 15.24% - 25.24%
Balance Transfer APR N/A
Credit Score Range 670 - 850
Annual Fee $95

Owners Reward Card By M1 Review

This is a cashback credit card issued by M1 Holdings Inc. If you're wondering whether Owners Reward Card By M1 is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways

  • Competitive APRs. Owners Reward Card By M1 has a variable purchase APR that ranges from 15.24% up to 25.24%.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Good or better credit required. You will have low approval odds if your credit score is below 670.

Pros & Cons of Owners Reward Card By M1

The Good The Bad
  • Potentially lower than average purchase APRs.
  • Identity Theft Protection.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • Owners Reward Card By M1 reports to multiple credit bureaus.
  • You need good credit to qualify.
  • Charges an annual fee of $95
  • Does not offer a signup bonus.
  • Does not include many credit card benefits.

Owners Reward Card By M1 FAQ

Does Owners Reward Card By M1 have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

Owners Reward Card By M1 Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does Owners Reward Card By M1 have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Owners Reward Card By M1 offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Owners Reward Card By M1 benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Owners Reward Card By M1?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

Owners Reward Card By M1 has a variable purchase APR that ranges from 15.24% up to 25.24%.

Does Owners Reward Card By M1 have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Owners Reward Card By M1 have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Owners Reward Card By M1?

The following fees apply:

  • There is no overlimit fee
Owners Reward Card By M1 Fees
Fees Amount
Annual Fee $95
Overlimit Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee $37
Late Payment Fee $25

Does Owners Reward Card By M1 have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Owners Reward Card By M1?

The Owners Reward Card By M1 customer service number is (312) 600-2883.

What is the support contact email for Owners Reward Card By M1?

The support contact email for Owners Reward Card By M1 is support@m1finance.com.

What is the Owners Reward Card By M1 login page?

You can access the Owners Reward Card By M1 login page here.

How do people rate the customer service and user experience of Owners Reward Card By M1?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Owners Reward Card By M1 report your account activity to credit bureaus?

Yes, Owners Reward Card By M1 reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Owners Reward Card By M1

  • Visit the Owners Reward Card By M1 website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 9:00pm
  • Tuesday 9:00am - 9:00pm
  • Wednesday 9:00am - 9:00pm
  • Thursday 9:00am - 9:00pm
  • Friday 9:00am - 9:00pm
  • Saturday Closed

About Owners Reward Card By M1

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
Annual Fee $95
Minimum Interest Charge $1
Over-Limit Fee $0
No Interest Grace Period for Late Payment 23 days
Returned Payment Fee $37
Late Fee Amount $25
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Checking Account Required
Credit Score Range 670 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Categories
  • 1.5% Cash Back on Every Purchase
  • 10% Cash Back on Select Merchants
Purchase APR (Variable APR) 15.24% - 25.24%
Card Type
  • Rewards
  • Cashback
Card Network Visa

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