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Capital One 360 Promotions: $100, $200, Up To $1,000 In Bonuses

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Capital One 360
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Find new Capital One 360 promotions, bonuses and offers here.

Capital One 360 is the online suite of accounts (i.e. Savings, Checking, Business,etc.) available from Capital One bank.

Online checking and savings accounts are becoming more and more popular now, due to the convenience and lack of many fees familiar with the local banks. By cutting many costs involved with traditional face-to-face banking, Capital One 360 can provide money saving options.

The Capital One 360 Checking and Savings accounts are two of the best options available today from a major reputable bank. I’ll go over the current available bonus opportunities, and well as your account options.

Rates are constantly changing, but the Savings and CD rates from Capital One 360 tend to stay somewhat competitive (rarely market-leading though). Compare rates at this Savings Rates page and this CD Rates page.

 

Capital One 360 $25 Checking/Savings & $100 Money Market Bonus

Capital One 360 Checking, Savings, Money Market Bonuses

If you’ve never had a Capital One 360 account before, you can earn a $25 bonus for a new Capital One 360 Checking and/or Capital One 360 Savings account. For the Money Market account, the bonus can range from $25 to $100 depending on your deposit amount.

  • Expiration: Offer is ongoing
  • Bonus Amount: $25 Checking, $25 Savings, or $25-$100 Money Market
  • Account(s) Eligible: Capital One 360 Checking, Savings, Money Market
  • Availability: Nationwide
  • Hard/Soft Inquiry: Soft
  • Direct Deposit Requirement: No
  • Monthly Service Fee: None
Learn More

How To Earn The Bonuses

  • 360 Savings account: Bonuses are only paid for accounts that are opened with an initial deposit of at least $250 from a non-Capital One 360 account. Initial deposit does not include bonus. The $25 bonus is available only for new 360 Savings accounts with a new Capital One 360 Customer as the primary account holder. Your $25 bonus will automatically be deposited into your account upon account opening. Bonus starts earning interest upon account opening, but is unavailable for withdrawal for 30 days, once the requirements are met.
  • 360 Money Market account: Bonuses are only paid for accounts that are opened with an initial deposit of at least $250 from a non-Capital One 360 account. Initial deposit does not include bonus. Bonuses are only available for new 360 Money Market accounts with a new Capital One 360 Customer as the primary account holder. The balance/bonus tiers are: $250-$9,999.99 earns a $25 bonus; and deposits of $10,000 or more earn a $100 bonus. The maximum bonus you can earn is $100. Your bonus will automatically be deposited into your account upon account opening. Bonus starts earning interest upon account opening, but is unavailable for withdrawal for 30 days, once the requirements are met.
  • 360 Checking account: Bonuses are only paid for accounts that are opened with an initial deposit of at least $250 from a non-Capital One 360 account, and that have a total of 3 Debit Card purchases or Person2Person Payments (or any combo of the two) post to the account within 45 days of account opening. Initial deposit does not include bonus. The $25 bonus is available only for new 360 Checking accounts with a new Capital One 360 Customer as the primary account holder. The $25 bonus will automatically be deposited into your account on day 50, once the requirements are met. Bonus starts earning interest upon deposit and is available for withdrawal immediately upon deposit.

Capital One 360 $1,000 In Referral Bonus Money

Once you have either(or both) the Capital One 360 Checking or Savings account open, you can refer friends and family. All you have to do is log in to your account online, click on the “Refer a Friend” link, and start referring via Facebook, Twitter, and Email with your own referral link.

You can earn $20 per referral, up to a total of $1,000 in bonus money. And to help entice your friends and family, they can also earn a sign-up bonuses by meeting the requirements on the offer page.

  • Expiration: None
  • Bonus Amount: Up To $1,000 Total
  • Account(s) Eligible: You can make referrals if you have any Capital One 360 account
  • Availability: Nationwide
  • Minimum Opening Deposit: The referred must make an initial deposit of at least $250.
  • Bonus Requirements:
    • The referred must open an account using your referral link and make an initial deposit of $250.
    • The $250 will be unavailable for withdrawal for 30 days.
    • After the referred meets those requirements, your bonus will be deposited into your own open account.

More Bank Offers:
See our Bank Bonuses page here, where you’ll find top offers from HSBC Bank, Chase Bank, TD Bank, Simple Bank and more.

Capital One 360 Money Market $200 To $500 Bonuses

Capital One 360 Money Market Bonuses

Open a new 360 Money Market account and earn a $200 or $500 bonus with this offer.

  • $200/$500 bonus offer expires February 28, 2019
  • 360 Money Market account qualifies for this promo
  • Offer available nationwide
  • Application triggers a Soft Pull, which does not affect your credit
  • No Monthly Fees with this account
Learn More

How To Earn The $200 Or $500 Bonus

  • Open a 360 Money Market account between 12:00 a.m. ET on January 1, 2019, and 11:59 p.m. ET on February 28, 2019. When you open your account, enter your promotional code—CELEBRATE.
  • If you have or had an open savings product with Capital One after January 1, 2016, you’re ineligible for the bonus.
  • Deposit $10,000 or more of new money from an external bank (transfers between Capital One accounts will not qualify) within the first 10 days of account opening (Initial Funding Period).
  • The amount of your bonus will be determined as follows:
    • $200 bonus — you maintained a daily balance of $10,000 – $49,999.99 for the first 90 days following the Initial Funding Period
    • $500 bonus — you maintained a daily balance of $50,000 or more for the first 90 days following the Initial Funding Period
  • If your daily balance drops to a lower tier at any point during the 90-day period, you’ll earn the lower tier bonus.
  • If you make additional deposits during the 90-day period to reach the next tier, you’ll only be eligible for the lower tier bonus.
  • This offer cannot be combined with any other Capital One Bank or Capital One 360 new savings account opening offer.
  • Bonus is only valid for one account.
  • Capital One will deposit the bonus into your account within 60 days following the 90-day period.
  • If your account is in default, closed, or suspended, or otherwise not in good standing, you will not receive the bonus.

Capital One 360 $200 Money Market Bonus

Capital One 360 Money Market Bonus

Open a new 360 Money Market account with Capital One 360 and earn a $200 bonus with this offer.

  • $200 bonus offer expires March 31, 2019
  • 360 Money Market account qualifies for this promo
  • Offer available nationwide
  • Application triggers a Soft Pull, which does not affect your credit
  • No Monthly Fees with this account
Learn More

How To Earn The $200 Bonus

  • Open a 360 Money Market account and deposit at least $10,000 between 12:00 a.m. ET on between December 12, 2018, and 11:59 p.m. ET on March 31, 2019.
  • When you open your account, enter your promotional code—OFFER200.
  • Deposits must be from another bank (transfers between Capital One accounts will not qualify).
  • If you have or had an open savings product with Capital One after January 1, 2016, you’re ineligible for the bonus.
  • This offer cannot be combined with any other Capital One Bank or Capital One 360 new account opening offer.
  • Bonus is only valid for one account.
  • Capital One will deposit the $200 bonus into your account within 60 days after completing the above conditions.
  • If your account is in default, closed, or suspended, or otherwise not in good standing, you will not receive the bonus.

Capital One 360 Accounts Review

When you browse the Capital One 360 website, you’ll see the product portfolio includes checking, savings, CDs, home loans, business accounts, and more.

I’ll talk about their most popular accounts types below.

CheckingSavingsCDsMoney Market

The Capital One 360 Checking is a good option for online checking. It’s also one of the best accounts for using foreign ATMs.

There is no minimum balance to worry about, no monthly maintenance fees, and you get to use the 38,000 Allpoint ATMs along with the 2,000 Capital One ATMs nationwide, for free. Allpoint ATMs can be found at well-known businesses like 7-Eleven, Walgreens, CVS, Target, Tom Thumb, etc. Basically, you’ll have more options for free ATM use than with your local bank.

You’ll get a free MasterCard debit card, just like you would with your local bank.

How do you make deposits with an online checking account? Well, they have a mobile app that can handle that, along with all your common banking transactions. If you’ve never made a deposit through your smartphone before, you will learn to love the convenience it provides.

capital-one-mobile-app

You can protect yourself from insufficient funds by linking a free 360 Savings account, or by applying for an Overdraft Line of Credit (you borrow money to pay for insufficient funds).

Lastly, one of the coolest features of the Capital One 360 online checking account is that you actually earn a decent interest rate on your balance. There’s simply no comparison versus the local banks.

Learn More

Update History:
12/28/2017: Savings Account finally gets a rate increase to 1.00% APY –  a modest increase for an online Savings account
More History
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The Capital One 360 Savings is a very popular online Savings account option when there’s a bonus offer available. Otherwise, the highest rate is just 1.00% APY (at the time of this article update).

Just like with the checking account, there are no fees and no minimums to worry about here either.

You can use the mobile app to make deposits here also. You can also make deposits over the phone or by mailing in a paper check.

If your company does Direct Deposit, it might be a good idea to have your paycheck go straight into the Capital One 360 Savings account and just transfer over to your linked checking account as needed. The checking account can be a local bank or the Capital One 360 checking. Either way, the transfers are free of charge.

Of course, you’ll earn a much better interest rate compared to your local bank.

Learn More

Here’s another area where Capital One 360 shines. Their CDs are becoming very popular with very competitive rates and just a $1 minimum balance requirement to earn the rate.

Update History:
12/18/2018: Capital One 360 decreases rates on 12, 18, 24, 30, 36, 48, 60 Month CD terms.
11/25/2018: Capital One 360 increases rates on 12, 18, 24, 30, 36, 48, 60 Month CD terms.
10/12/2018: Capital One 360 increases rates on 12, 18, 24, 30, 36, 48 Month CD terms.
08/06/2018: Capital One 360 updates rates on 12 Month and 60 Month CD terms.
07/02/2018: Capital One 360 updates rates on 12 to 60 Month CD terms.
05/29/2018: Capital One 360 raises rates on all CD terms.
04/27/2018: Capital One 360 raises rates on 12-36 Month and 60 Month CD terms.
03/15/2018: 12/18 Month CD terms get rate increases
02/18/2018: 12 Month to 60 Month CD terms get rate updates
More History
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  • Deposits are FDIC insured up to $250,000 per depositor
  • Terms from 6 months to 60 months
  • You can choose to get interest paid at the end of the term, monthly, or annually.
Current CD Rates
Term APY
6 Month 0.60%
9 Month 0.75%
12 Month 2.70%
18 Month 2.70%
24 Month 2.80%
30 Month 2.80%
36 Month 2.85%
48 Month 2.90%
60 Month 3.10%
*I keep these rates updated daily, but always check directly with the bank for confirmation.

Learn More

*Be sure to read my guide on CDs to find the best rates.

Top CD Accounts For Comparison:

CIT Bank and BBVA Compass have good CD accounts options, but view the ones offered by the following banks before deciding:

Capital One 360 currently offers some of the best rates with their Money Market account. This online account is also fee-free and FDIC insured.

Update History:
11/25/2018: Capital One 360 raises Money Market rate to 2.00% APY.
08/23/2018: Capital One 360 raises Money Market rate from 1.75% APY to 1.85% APY.
07/17/2018: Capital One 360 raises Money Market rate from 1.60% APY to 1.75% APY.
04/27/2018: Capital One 360 raises Money Market rate to 1.60% APY.
02/18/2018: Money Market rate increases from 1.40% APY to 1.50% APY for $10k+ balances
01/19/2018: Money Market rate increases from 1.30% APY to 1.40% APY for $10k+ balances
10/31/2017: Money Market rate increases from 1.20% APY to 1.30% APY for $10k+ balances
08/28/2017: Money Market rate increases to 1.20% APY for $10k+ balances
07/09/2017: Money Market rate increases to 1.10% APY for $10k+ balances
More History
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360 Money Market Rates
Account Balance APY
$0-$9,999.99 0.85%
$10,000 or more 2.00%

Learn More

Top Savings/Money Market Accounts For Comparison:

The CIT Money Market and BBVA Compass Money Market accounts have great ongoing rates. For a great online Savings account from a big bank, HSBC’s is a good one. The banks below have the best Money Market accounts currently:


Check back at this page for the latest Capital One 360 promotions, bonuses and offers!

FEATURED PROMOTIONS
OFFER LINKOFFEROUR REVIEW
Chase Premier Plus Checking℠$300 CashReview
Chase Total Checking® + Chase Savings℠$350 CashReview
Chase Sapphire℠ Checking60,000 PointsReview
Chase College Checking℠$100 CashReview
Chase Total Business Checking®$200 CashReview
HSBC Premier Checking$750 CashReview
HSBC Advance Checking$350 CashReview
HSBC Direct Savings2.22% APYReview
HSBC Cash Rewards Mastercard® credit card$150 CashReview
TD Bank Premier Checking℠$300 CashReview
CIT Bank Savings Builder2.45% APYReview
Barclaycard Arrival Plus® World Elite Mastercard®70,000 MilesReview
Ally Invest$3,500 CashReview
TD Ameritrade$600 CashReview
Chase Premier Plus Checking $300 Bonus

*These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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