Updated July 5, 2020

M1 Finance Review: Pros and Cons

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M1 Finance lets you invest in stocks and ETFs without fees. But is it safe? Find out the pros and cons, and if it's legit.

M1 Finance Promo Code
Transfer Your Account and Earn Up to $2,500

Overall Score

4.5

Annual Fee

5.0

Minimum Deposit

5.0

Customer Service

3.5
5-point scale (the higher, the better)

Pros and Cons

  • Choose your own investments
  • Can invest in individual stocks
  • No account fees
  • Not beginner friendly
  • No human advisors
  • Can only trade once a day

Bottom Line

No-fee robo-advisor that allows you to choose your own investments.

If you want to be hands-off, but still with a say in your investments, M1 Finance may perfectly bridge the gap between robo and DIY investing.

It stands out from other robo-advisors by letting your create and customize your own portfolio. Then the automated service will manage your account.

And what's more? It's free to use. There are no commission or management fees.

Does its service live up to what it promises? Keep reading to find out.

What is M1 Finance: Overview

M1 Finance offers 3 main services:

  • M1 Invest: M1 Finance is an online brokerage and robo advisor combined. You can choose your own stocks & ETFs and/or invest in premade portfolios. M1 will manage it for you. It's ideal for those who want control over their investments, but want to be hands-off.

    The minimum investment is $100 ($500 for retirement accounts). There are no trade fees and no management fee.

  • M1 Spend: An online banking account that comes with a free debit card. There is no minimum balance requirement.

  • M1 Borrow: A loan service that lets you borrow up to 35% of your portfolio's value at a low interest rate.

M1 also offers a premium M1 Plus membership for $125/year. Extra benefits include interest on your M1 Spend balance, cash back on debit purchases, lower M1 Borrow loan rate, and an extra afternoon trading window.

Who M1 Finance Best For

  • DIY investors. M1 gives you the best of both worlds. You can customize your portfolio and invest in any individual stocks and ETFs you wish. M1 manages it all for you.

  • Semi-experienced investors. M1 will not provide portfolio advice or recommendations. It's best if you have an idea of what you want to invest in.

  • Long-term investors. It's not for day traders or frequent traders, as M1 only trades once a day.

Get started with M1 Finance: Earn up to $2,500 bonus

    M1 Finance

    Transfer Your Account and Earn Up to $2,500

    Initiate your transfer of another brokerage account within 60 days of signing up for M1 to receive a bonus.

    TransferBonus
    $100,000 – $250,000$250
    $250,001 – $500,000$500
    $500,001 – $1,000,000$1,000
    $1,000,001+$2,500

    Payments for eligible transfers will be paid 90 days after the account transfer is received. Offer is valid for direct broker transfers received through the Automated Customer Account Transfer Service (ACATS) only. Offer is not valid with ACH deposits, wire transfers or direct 401k rollovers.

Pros & Cons

PROS:

  • Create custom portfolios with robo management
  • Just $100 to start
  • $0 commission or management fees
  • Buy fractional shares
  • Automatic rebalancing
  • Pre-made portfolios created by M1's experts
  • Borrow against your portfolio balance
  • See M1 Finance Deal >>

CONS:

  • Learning curve for beginners
  • No human financial advisors
  • No tax loss harvesting
  • Only offers stocks and ETFs (no mutual funds)
  • Only one trading window per day

Read on to learn more about M1 Finance in detail.

How M1 Finance Works

© CreditDonkey

M1 Finance allows you create a super customized portfolio. This may be a bit overwhelming beginners, but the process is straightforward.

Here is how M1's Pie investing works:

1. Create Your Investment Portfolio

M1 lets users build what they call "Pies." Your Pie is a visual representation of your portfolio. Each Pie can consist of up to 100 "slices", or investments. Each slice can be a stock, ETF, or even another Pie.

You can invest in more than 6,000 stocks and ETFs. This is different from other robo-advisors, which don't let you choose individual stocks.

An investment portfolio is a basket of different assets, like stocks, bonds, and more. Just like the saying "don't put all your eggs in one basket," It's important to diversify your portfolio so you spread out the risk. If one investment doesn't do well, you still have others, so you don't lose too much.

You set the percentage for each slice. For example, if you want 10% of your investment to be in Apple, that will be 10% of your Pie.

screenshot from m1finance.com

If you're not sure what to invest in, you can invest in one of the 80+ prebuilt Pies created by their experts. You can also add Expert Pies as slices into your custom portfolio.

M1's Expert Pies portfolios are built around the following themes or goals:

  • General Investing: Portfolio is based on your risk tolerance
  • Plan for Retirement: Portfolio will adjust to your goals as you age
  • Responsible Investing: Socially responsible portfolio
  • Income Earners: More focused on dividends and income returns
  • Hedge Fund Followers: Mimics the investment strategies of reputable hedge funds
  • Stocks & Bonds: Just two ETFs; focuses on stocks and bonds
  • Other Strategies: Additional investment strategies.

You can create multiple pies for different goals. Each additional pie appears as a slice of your overall pie.

2. Fund Your Account

When you add money to your account, M1 Finance will automatically buy shares of your investments according to the percentages you set.

Using the above example, you've set 10% of your pie for Apple. If you add $1,000 to your portfolio. M1 would use $100 to purchase Apple stocks.

You can also set up automatic contributions if you want to "set it and forget it". M1 will withdraw the funds from your linked bank account and invest accordingly.

3. Modify Your Pie

You can make changes to your Pies at any time. Simply remove a slice if you want to sell an investment. Add another slice to invest in something new.

screenshot from m1finance.com

It's super simple. You don't have to worry about the trading yourself.

M1 will also automatically rebalance your portfolio. Keep reading to learn what this means and other features.

See Current Offer >>

Does M1 offer tax loss harvesting?
M1 Finance does not offer tax loss harvesting, but it does use tax minimization when selling securities. When you request a withdrawal, M1 will sell securities in an order to help reduce the amount of taxes you'll owe. Losses that offset future gains will be sold first.

Portfolio Features

© CreditDonkey

Here are some advantages of M1's investing service:

Automatic Rebalancing

© CreditDonkey

Overtime, your pie may shift from what you originally set. Investments that do well will grow, while slices with losses will shrink.

Let's say your pie has 2 investments. 50% is a high-risk stock and 50% is a low-risk bond. But after some time, the high-risk stock does well and accounts for 65%. Now, your portfolio is more risky.

To stay at the same risk level, you'll have to rebalance your portfolio. This means bringing it back to 50/50.

With a DIY broker, you have to rebalance yourself. This means calculating how much to buy or sell for each investment. And then manually placing the trades. Imagine if you have multiple stocks. It can be very time-consuming and confusing.

M1 Finance automatically rebalances your portfolio for free. You don't have to worry about doing calculations or placing trades.

As you add or withdraw funds, M1 will automatically buy and sell investments for you. This brings your pie back to your original percentages.

Fractional Shares

You can buy just a small fraction of a stock if you don't have enough for a full share. This means that every penny is invested. You won't have any uninvested cash sitting around.

For example, Stock A costs $500 per share, but you only have $100 to invest. M1 will just purchase $100 worth of Stock A for you (1/5 of a share).

Tax-Efficient Investing

© CreditDonkey

When you withdraw funds from a taxable account, any gains will be taxed. M1 has a built-in tax efficiency strategy to help reduce taxes as much as possible, so you can keep more of your money.

When you request a withdrawal, M1 will sell securities in order of priority, based on how they affect taxes:

  1. Losses are sold first, as this reduces your gains
  2. Long-term gains, as they're taxed at a lower rate
  3. Finally short-term gains are sold last because these are taxed at the highest rate

Long term investments held for more than a year have lower tax rates (0%, 15%, or 20% depending on your tax bracket). Investments held for less than a year can be taxed at as high as 37%. So short-term investments are only sold as a last resort.

Dividend Reinvestment

M1 Finance automatically reinvests your dividends once they reach $10. This helps increase your earnings. Your dividends will buy more shares, which will generate more returns.

Dividends are reinvested back into the entire pie (as opposed to back into the specific stock). So if you have $20 worth of dividends, that'll be split up among all your investments.

How to Get Started

Getting started with M1 is different than with other robo-advisors. You won't see the typical questionnaire about your risk tolerance, goals, net worth, and income.

The process of creating a M1 investment account is:

  1. Sign up. At this stage, you only need your email address and a password.

  2. Create Pie. The system will guide you through your first practice pie.

  3. Open official account: You'll need to verify your identity via your phone number. Then you'll officially sign up with your personal information (name, address, birthdate, and Social Security number).

  4. Select account type. You can select from an individual taxable account, joint, IRAs (Traditional, Roth, or SEP), and Trust. After this, go on to create your pie(s)

  5. Fund account. You'll need to link a bank account to fund your account.

And that's it. Once the funds are transferred, M1 will do all the work. M1 will buy the investments for you according to your Pie. You can make changes at any time.

    M1 Finance

    Transfer Your Account and Earn Up to $2,500

    Initiate your transfer of another brokerage account within 60 days of signing up for M1 to receive a bonus.

    TransferBonus
    $100,000 – $250,000$250
    $250,001 – $500,000$500
    $500,001 – $1,000,000$1,000
    $1,000,001+$2,500

    Payments for eligible transfers will be paid 90 days after the account transfer is received. Offer is valid for direct broker transfers received through the Automated Customer Account Transfer Service (ACATS) only. Offer is not valid with ACH deposits, wire transfers or direct 401k rollovers.

Test Before Using

You have to register for an M1 account with your email. However, you have time to play around with the pie system before opening an official account. Here's what it'll look like:

Once you sign up, the tutorial starts. M1 will ask you to pick at least 3 investments to start your pie. It has a list of popular stocks, funds, and Expert Pies. Or you can enter a specific stock in the search.

After you've chosen some investments, it's time to set the percentages. As default, your investments are equally weighted. You can change the numbers.

When you're happy with your pie, hit continue. M1 will come up with a projection of how well this portfolio would have done.

After this, you can go on to officially open your account with a phone verification and personal info.

M1 Platform and App

M1 Finance is strictly an online program. You can access the platform via your PC or the mobile app. It's available for both iOS and Android devices.

The platform itself is very user-friendly. You'll see a summary of your portfolio including its value, gain or loss, and return.

screenshot from m1finance.com

If you want to edit your Pie, simply press the "edit" button. You'll be taken to a page where you can change the target percentages and add or delete slices. M1 Finance will automatically readjust as you do so.

screenshot from m1finance.com

To add a new investment, just click on the "add" button. This will take you to the "Research" tab where you can search for any stock on the major U.S. stock exchanges.

screenshot from m1finance.com

To get more information about a certain stock, just click on it to find the stock's performance data, price history, and more.

screenshot from m1finance.com

Overall, the platform is very easy to navigate and creating the pies is intuitive. The mobile app is an excellent companion and works pretty much the same way.

When does M1 Finance trade?
Free M1 users have one trading window at 9am CT when the New York Stock Exchange is open. Having only one trading window helps keep costs lower for users.

M1 Plus members with at least $25,000 in their account have access to another trading window at 2pm CT. If you're looking to stay more up to date with your investing, it may be worthwhile to become a Plus member.

Fees

M1 is pretty close to being free to use. M1 charges:

  • No account opening fees
  • No trade fees
  • No management fees
  • No deposit or withdrawal fees to/from your linked bank

(Compare plans)

There are some services that may cost you. For example, they will charge you for an account statement or wire transfer. M1 is transparent with their fees, as you can see here.

And there is a $20 inactivity fee for any account with less than $20 and no activity for 90 days.

If you invest in ETFs, you will also pay fees called expense ratios. This is the operating cost of the fund, such as for administration, compliance, marketing, etc. M1 has no control over these fees and does not profit from them. Expense ratio fees are deducted directly from the funds.

M1 Plus: Premium Account
M1 Plus is an optional premium membership. This has a fee of $125 per year. It includes extra perks such as:

  • An extra afternoon trading window for accounts $25,000+
  • Interest on your M1 Spend balance
  • Cash back on debit card purchases
  • Lower M1 Borrow loan rate

How does M1 Finance make money if it's free to use?
  • From the premium M1 Plus membership.
  • When users make purchases on the M1 Spend debit card.
  • Charging interest on loans from M1 Borrow.
  • Lending shares (to short sellers and earning a small profit from this).
  • Earning interest from the uninvested cash in your account (instead of giving the interest to you).

M1 Borrow

Imagine if you need some money for a large purchase, like for a house down payment, upcoming wedding, or kitchen remodel.

Normally, you can either save up, get a loan (which is a hassle), or sell off some of your investments. But that'll knock you off track, not to mention having tax consequences.

M1 Borrow provides a super simple and flexible way to borrow money. You can borrow up to 35% of your portfolio balance at an interest rate much lower than traditional loans. This allows you to get access to funds while staying invested.

Other benefits include:

  • Low 3.5% interest rate (or 2% for M1 Plus members)
  • Get a loan instantly with no credit check
  • No payment schedule; pay back on your terms

The only requirement is that you have a taxable account with at least $10,000 balance (IRAs don't qualify).

If used responsibly, M1 Borrow can be a convenient tool to borrow money quickly without affecting your credit. However, there is still interest, so be sure to pay it back as soon as possible.

You can even use your M1 Borrow loan to buy more investments in your M1 portfolio (this is called trading on margin). This increases your buying power, but this could be very risky too. If you have any losses, your losses will be multiplied.

M1 Spend

M1 Spend is M1's online banking account. It's available to all users at no cost. There is no monthly service fee or minimum balance requirements.

It's a very basic checking account, but could be a good option if you want to manage your banking and investments all in one place.

One benefit is that it integrates with your other M1 accounts. It can detect extra cash and automatically move it into your M1 portfolios to be invested. Transfers between your M1 accounts usually take just 1 business day.

Features include:

  • Free debit card
  • Direct deposit
  • Online bill pay
  • One ATM fee reimbursed each month
  • FDIC insured up to $250,000

For M1 Plus members, you get 1% APY, 1% cash back, and ATM fees reimbursed 4x monthly. But the $125/yr membership price is expensive, and may not be worth it just for these banking perks.

Another drawback is that M1 doesn't have an ATM network. And it only reimburses one ATM fee per month for a standard account. So it may not be ideal as your primary checking account.

Compare Robo-Advisors

Downsides

  • Not for beginners. While the platform is straightforward, creating the pies may take some time to learn. M1 doesn't provide any guidance to beginners, so it's best if you have an idea of what you want to invest in.

    If you want a platform that will do all the work for you, other robo-advisors may be a better choice.

  • No human financial advisors. While you can ask customer service reps about your account, they are not licensed financial advisors who can offer investment advice.

  • Can only trade once per day. M1 offers only one trading window at 9am CT (everyday the New York Stock Exchange is open). This is how M1 keeps the platform free for investors. M1 is not for active day traders.

  • Limited investment options. M1 only offers stocks and ETFs - no mutual funds, options, or cryptocurrencies.

  • No tax loss harvesting. While M1 does tax-efficient trading, it doesn't offer tax loss harvesting, which is a standard feature for many robo-advisors.

Is M1 Finance a robo-advisor or an online brokerage?
M1 Finance offers the best of both worlds. Like most brokerages, M1 gives you control of which investments you make. On the other hand, they automatically rebalance your investment portfolio and provide similar tools to most robo advisors.

Is M1 Finance Safe?

© CreditDonkey

M1 is a safe investment robo-advisor with reliable customer service for beginners. The investment platform gives you control over your money as you save for the long term. It's a registered broker/dealer with FINRA and a member of SIPC. You can have peace of mind that your assets and information are secure with M1.

  • SIPC Insured. If M1 goes out of business, your securities are protected up to $500,000 per account. SIPC does NOT protect you from losing money through investing. M1's clearing firm has supplemental insurance to over beyond the SIPC limits.

  • Military-grade encryption. All data transferred and stored within M1's system is protected with 4096-bit encryption.

  • Extra login security M1 uses two-factor authentication and fingerprint ID/face ID login to keep your account secure.

Is M1 Finance FDIC insured?
M1 Finance is not a bank so it is not FDIC insured. However, the SIPC would cover your losses (up to $500,000 per account) should the platform go out of business. Keep in mind that SIPC does not protect against investing losses.

How It Compares

M1 vs Betterment:
Betterment is often the robo-advisor of choice for beginners. It's completely hands-off. It chooses investments for you according to your risk level. Unlike M1, you don't have the ability to buy individual stocks.

There is no minimum investment. The annual management fee is 0.25% based on assets under management.

Betterment also offers a premium account option for those with $100,000+. This gives you unlimited access to financial professionals. They can provide guidance on life events and other investments.

 M1 FinanceBetterment
 Visit SiteVisit Site
 

M1 Finance

Betterment

SPECIAL OFFER
Transfer Your Account and Earn Up to $2,500 - Learn More

SPECIAL OFFER
Get up to 1 Year Managed Free - Learn More

 

Benefits and Features

Stock Trading
$0
 
Annual Fee
None
0.25% for accounts under $100,000; 0.40% for accounts $100,000+
Minimum Deposit
$100
$0
Phone SupportMonday - Friday 9:30 am to 4 pm EST
Yes
Live Chat Support
No
No
Email Support
Yes
Yes
Human Advisors
No
Yes ($100k minimum)
Robo Advisor
Assets Under Management
$1 Billion
$14 Billion
Tax Loss Harvesting
Offers tax-efficient investing
Yes
Goal Tracker
No
Yes
Automatic Deposits
Yes
Yes
Online Platform
Yes
Yes
iPhone App
Yes
Yes
Android App
Yes
Yes
BankingAll users can open a M1 Spend account with free debit card. No monthly service fees and no balance requirements. 
Mobile App
Yes
Yes
Fractional Shares
Yes
Yes
Taxable Accounts
Yes
Yes
401k Plans
No
Yes
IRA Accounts
Yes
Yes
Roth IRA Accounts
Yes
Yes
SEP IRA Accounts
Yes
Yes
Trust Accounts
Yes
Yes
529 Plans
No
No
 Visit SiteVisit Site

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

M1 Finance: Pricing information from published website as of 02/28/2020

Betterment: Pricing information from published website as of 04/04/2018

M1 vs Robinhood:
Robinhood is a basic online brokerage that offers commission-free trades. It's completely DIY. You're in charge of making trades and managing your own portfolio.

Robinhood offers more investment options. You can trade stocks, ETFs, options, and cryptocurrencies. However, it only offers individual taxable accounts.

Robinhood is better for active traders. You get free extended trading hours from 9:00 am to 6:00 pm. And certain accounts even allow for unlimited day trades.

 M1 FinanceRobinhood
 Visit SiteVisit Site
 

M1 Finance

Robinhood

SPECIAL OFFER
Transfer Your Account and Earn Up to $2,500 - Learn More

OFFER
Get a Free Stock (worth between $2.50 and $200) - Learn More

 

Benefits and Features

Stock Trading
$0
$0
Annual Fee
None
All trades are commission-free. No platform fees.
Minimum Deposit
$100
$0
Phone SupportMonday - Friday 9:30 am to 4 pm EST
No
Good ForDIY investing with passive portfolio management
Beginners; Active traders
BankingAll users can open a M1 Spend account with free debit card. No monthly service fees and no balance requirements.
Coming soon
Mobile App
Yes
Yes
Fractional Shares
Yes
Yes
Taxable Accounts
Yes
Yes
IRA Accounts
Yes
No
 Visit SiteVisit Site

M1 Finance: Pricing information from published website as of 02/28/2020

Robinhood: Pricing information from published websites as of 04/18/2020.

M1 vs Acorns:
Acorns is a spare change robo-advisor. It's geared towards beginners who have trouble saving. You link up your cards and it automatically rounds up your purchases and invests the change into diversified portfolios.

M1 has no account fees, while Acorns does have a $1 monthly fee for the basic investing account.

 M1 FinanceAcorns
 Visit SiteVisit Site
 

M1 Finance

Acorns

SPECIAL OFFER
Transfer Your Account and Earn Up to $2,500 - Learn More

SPECIAL OFFER
$10 Sign-Up Bonus - Learn More

 

Benefits and Features

Stock Trading
$0
Part of service fee. No add-on trading fees.
Annual Fee
None
$1/mo for Acorns Lite (taxable account only)
$3/mo for Acorns Personal (includes IRA and checking account)
$5/mo for Acorns Family (includes investment accounts for kids)
Minimum Deposit
$100
$0
Phone SupportMonday - Friday 9:30 am to 4 pm EST
Yes
Live Chat Support
No
No
Email Support
Yes
Yes
Human Advisors
No
No
Assets Under Management
$1 Billion
$1.2 Billion
Tax Loss Harvesting
Offers tax-efficient investing
No
Goal Tracker
No
Yes
Automatic Deposits
Yes
Yes
Online Platform
Yes
Yes
iPhone App
Yes
Yes
Android App
Yes
Yes
BankingAll users can open a M1 Spend account with free debit card. No monthly service fees and no balance requirements.$3/mo for Acorns + Acorns Later + Acorns Spend checking. Free debit card, no minimum balance, no overdraft fees, and unlimited free or fee-reimbursed ATMs nationwide.
Mobile App
Yes
Yes
Fractional Shares
Yes
Yes
Taxable Accounts
Yes
Yes
401k Plans
No
No
IRA Accounts
Yes
Yes
Roth IRA Accounts
Yes
Yes
SEP IRA Accounts
Yes
Yes
Trust Accounts
Yes
No
529 Plans
No
No
 Visit SiteVisit Site

M1 Finance: Pricing information from published website as of 02/28/2020

Acorns: Pricing information from published website as of 09/28/2020.

M1 vs Wealthfront:
Wealthfront is another completely hands-off robo-advisor. You don't get to choose individual stocks. It charges a 0.25% annual fee and has a $500 minimum investment.

One disadvantage of Wealthfront is that it doesn't support fractional shares. So you could just have uninvested cash sitting around. But it does offer automatic tax loss harvesting.

Wealthfront also has a college 529 savings plan, which can be beneficial for parents saving for college.

 M1 Finance
 Visit SiteLearn More
 

M1 Finance

Wealthfront

SPECIAL OFFER
Transfer Your Account and Earn Up to $2,500 - Learn More

 

Benefits and Features

Stock Trading
$0
 
Annual Fee
None
0.25%
Minimum Deposit
$100
$500
Phone SupportMonday - Friday 9:30 am to 4 pm EST
Yes
Live Chat Support
No
No
Email Support
Yes
Yes
Human Advisors
No
No
Robo Advisor
Assets Under Management
$1 Billion
$10+ Billion
Tax Loss Harvesting
Offers tax-efficient investing
Yes
Goal Tracker
No
Yes
Automatic Deposits
Yes
Yes
Online Platform
Yes
Yes
iPhone App
Yes
Yes
Android App
Yes
Yes
BankingAll users can open a M1 Spend account with free debit card. No monthly service fees and no balance requirements. 
Mobile App
Yes
Yes
Fractional Shares
Yes
No
Taxable Accounts
Yes
Yes
401k Plans
No
No
IRA Accounts
Yes
Yes
Roth IRA Accounts
Yes
Yes
SEP IRA Accounts
Yes
Yes
Trust Accounts
Yes
Yes
529 Plans
No
Yes
 Visit SiteLearn More

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

M1 Finance: Pricing information from published website as of 02/28/2020

Wealthfront: Pricing information from published website as of 04/04/2018

Bottom Line

M1 Finance is best for the DIY investor who also wants to be hands-off. You get to choose your own investments but don't have to handle tedious tasks, like performing manual trades and rebalancing (+1 for ease of use). It's also great that there are no trade or management fees.

However, it could be overwhelming for the beginner.

If you're not sure about making your own choices or you really just want the software to do the job for you, a different robo-advisor may be the better option for you. And if you're an investing expert looking for a wider variety of investment options, like mutual funds, you may want to look elsewhere, as well.

Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.

More from CreditDonkey:


How to Make Money Work for You


How to Invest $10k


How to Start Investing

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