Bank
M1 Credit Card Rates
M1 credit card rates start at 19.24% APR. Rates checked October 26, 2026.
How M1’s credit card rates compare
Compared with banks and credit unions nationwide. Ongoing purchase APR, lowest first.
This bank’s lowest
M1
– –
- Up to
- —
No ongoing APR published
Lowest rate
Harris County Federal Credit Union
5.90%APR
- Up to
- —
2nd-lowest rate
Rio Grande Valley Credit Union
5.90%APR
- Up to
- 18.00% APR
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Owner's Rewards Card by M1
The Owner's Rewards Card by M1 is no longer accepting new applications. Serviced by M1 Spend LLC on behalf of M1 Credit Receivables LLC / Powered by Deserve.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 19.24%–29.24% | None | Based on creditworthiness when opening account. Variable APR based on the Prime Rate (currently 11.74% to 21.74% added to the Prime Rate). Minimum interest charge of $1.00. |
Sources (2)
All captured Oct 26, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.