In the digital era, the convenience and efficiency of online banking have made it a preferred choice for many, with Capital One 360 leading the charge. Known for its user-friendly platform and competitive offerings, Capital One 360 provides an array of financial products, including checking, savings, and CD accounts, designed to meet the diverse needs of its customers.
Whether you’re looking to grow your savings with minimal effort or seeking a checking account that works harder for you, Capital One 360’s latest promotions and bonuses offer compelling reasons to consider making the switch to online banking.
Let’s look into the most recent opportunities for earning bonus money and how you can take advantage of them.
See the offers below.
READ MORE: WELCOME OFFERS FROM AXOS AND BMO.
Capital One 360 Performance Savings: Earn Up To $1,500 Bonus With Promo Code BONUS1500 [Nationwide]
Capital One 360 Performance Savings is offering up to $1,500 cash bonus for opening a new account with a $20,000 or more deposit of new funds. They also offer a very competitive APY. See details below. Update 12/3/24: The offer… GET OFFER
Capital One 360 Checking: Earn $300 with This Bank Bonus Offer
If you're in the market for a new bank account, Capital One has a pretty sweet deal: you can earn a $300 bonus with their 360 Checking account. Sounds great, right? But what do you need to do to get… GET OFFER
Capital One 360 Performance Savings: 3.40% APY Rate [Nationwide]
Capital One 360 Performance Savings is a very competitive online savings account option. See the current rate details below. Update 12/4/25: Rates have been updated. You can find much higher rates with the savings accounts listed here. Update 7/11/25: The… GET OFFER
Earn Up To 4.20% APY: Capital One 360’s Best Online CD Account Offers (Available Nationwide)
Capital One 360 is offering great rates for their online certificate of deposit (CD) accounts. See the current rates below. Update12/4/25: Rates updated. You can find higher rates with the savings accounts listed in our best checking & savings accounts.… GET OFFER
Capital One’s $1,000 Business Banking Bonus – Ended
Looking at Capital One's $1,000 business banking bonus and wondering if it's worth pursuing? Here's the truth: most business banking bonuses have reasonable requirements that any business owner can meet. But Capital One's promotion has a restriction that immediately disqualifies… GET OFFER
Capital One 360 Money Account Review: Checking Account For Ages 13 To 17
The Capital One 360 Money account is like a regular checking account, but with training wheels. The student controls the bike, but good ol’ mom or dad is nearby and keeping a close eye. This is a Checking account for… GET OFFER
TRENDING DEAL:
Disclaimers:
The Annual Percentage Yield (APY) is accurate as of 12/5/2025. The base and promotional interest rate and corresponding APY for Axos ONE® Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE® Savings is variable and is set at our discretion. Axos ONE® Savings is a tiered variable rate account. Axos ONE® Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE® Checking account will earn a base rate of 0.00% APY. The Axos ONE® Savings account will earn a base rate of up to 1.00% APY.Axos ONE® accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE® Checking and Axos ONE® Savings, the Axos ONE® Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE® Checking account has received monthly qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE® Checking account is at least $1,500.Option 2Your Axos ONE® Checking account has received monthly qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE® Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE® Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE® Savings account will earn a promotional rate of up to 4.31% APY for the statement cycle in which the requirements are met.The Qualification Period begins on the first business day of the month and runs through the 25th of the month. If the 25th of the month is followed by a non-business day, the average daily balance will be calculated including the following non-business day(s). Any qualifying deposits or qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. The Qualification Period for new accounts will begin on the day the account is approved. New accounts opened on or after the 25th of the month will be eligible to earn the promotional APY starting in the following month.A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. International paychecks, international government benefits, other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.), or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the 25th of the month and on the date the interest is paid to receive the promotional APY for that statement cycle. If either account closes during the Qualification Period, neither account will be eligible to earn the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account. Show Less
Are Capital One’s Welcome Bonuses Worth It?
Capital One stands out among other banks with its competitive welcome bonuses, putting it in line with the best bank bonuses currently available in the market. If you’re comfortable with online banking, Capital One’s bonus offers present an excellent opportunity to earn some extra cash while transitioning your business to a bank that suits your needs.
To qualify for the bonus offered through Capital One’s 360 Performance Savings account, a significant deposit amount is required. If your balance falls below this threshold at any point during the qualification period, even for just a day, you may not receive the bonus. You’ll want to ensure that you can commit the required amount of money for a few months.
Here are some key points to consider about Capital One’s promotional welcome bonuses and the associated requirements:
- Capital One offers competitive welcome bonuses that are on par with the best bank bonuses available.
- These bonuses provide an opportunity to earn extra money while switching your business to a bank that suits your needs.
- Capital One’s bonus offers are particularly attractive if you’re comfortable with online banking.
- The 360 Performance Savings account is the account typically associated with the bonus offer.
- Qualifying for the bonus requires maintaining a high deposit amount during the qualification period.
- Even a single day with a balance below the required threshold can result in the forfeiture of the bonus.
- It’s crucial to carefully evaluate your financial situation and ensure that you can commit the necessary funds for the specified period.
- Before opening a Capital One savings account, make sure you can tie up the required amount of cash for a few months to secure the bonus.
READ MORE: GET THIS $150 BONUS FOR PERSONAL CHECKING BEFORE IT’S GONE
What Else Should You Know About Capital One Bonuses?
- Tax Implications: It’s essential to be aware that the bonus you earn from opening a Capital One checking or savings account may be considered taxable income. Capital One will report the bonus as interest income on a Form 1099-INT to the IRS, and if necessary, they will also provide this information to your state revenue authority.
- New Customer Requirement: To be eligible for the new account bonus, you must not have held or been a secondary account holder of a similar account with Capital One since the data stated in the terms.
- Checking Account Promotion: If you have previously held a 360 Checking account with Capital One, you will not qualify for the checking account promotion.
- Savings Account Bonus: Similarly, if you have previously held a 360 Performance Savings, 360 Savings, 360 Money Market, Savings Now, or Confidence Savings account with Capital One, you will not qualify for the savings account bonus.
READ MORE: THIS $500 BONUS OFFER IS SET TO EXPIRE SOON
Bottom Line
Capital One Bank, the fifth-largest consumer bank and eighth-largest financial institution in the United States, has gained recognition in recent years for its credit cards and the widely recognized slogan, “What’s in your wallet?”
Here are some key points to know about Capital One Bank:
- Physical Presence: The bank operates approximately 325 physical branches, primarily located in New York, Texas, and Virginia. Additionally, customers have access to a vast network of 70,000 fee-free ATMs.
- Competitive Products: Capital One offers a range of products for both personal and business needs. Despite being a national bank, their rates and fees are surprisingly competitive. Notably, their 360 Checking account stands out as it has no monthly fee and even provides a small amount of interest on the account balance, a feature that is rare among traditional banks.
- Digital Experience: Capital One prioritizes providing a solid digital experience to its customers. The bank’s online and mobile apps have received positive reviews, boasting a rating of 4.9 in the App Store with over 5.6 million ratings and 4.6 from 1.3 million Android users. These apps offer a host of features commonly found in online-focused banks, such as card lock, mobile check deposit, instant alerts, reward tracking and redemption, face ID, and Zelle transfers.
- Welcome Bonuses: As an added perk, Capital One occasionally offers welcome bonuses to attract new customers. These bonuses serve as an enticing perk for individuals considering opening an account with the bank.
- Overall Strength: With its solid product offerings, extensive physical presence, robust digital tools, and occasional welcome bonuses, Capital One Bank stands as a reliable and attractive choice for individuals seeking a dependable banking partner.
Capital One Bank’s position as a top consumer bank in the United States, its competitive rates and fees, comprehensive digital experience, and occasional welcome bonuses make it a highly regarded financial institution for both personal and business banking needs.
READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.
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Best Referral Bonus –
Earn $200 – Unlimited 1.5% cashbacks
https://capital.one/3bxokUl
Beware of this FALSE bonus!
I opened a new Capital One 360 savings account on 5/21/20. On 5/22 I received an email advertising the SCORE500 bonus. So of course I called and asked an agent if they would honor the bonus as I received the email the VERY NEXT DAY and was planning to transfer $40-$50k into the new account anyway. I was told a “note” would be made to my account and to call back after the 90 day waiting period at which point they would review my account and make a decision about the bonus. On 5/21 I had already set up an external account to transfer funds from another institution into my new Capital One. Due to the holiday 5/25-the external account was verified and ready to use on 5/26. So I made an electronic external transfer for $40k+ on 5/26 which exited the other bank on 5/27. Today (5/28) those funds show up on my Capital One account as a “pending transfer” to be completed/available on 6/1/20. I just called and spoke to another agent-who has just confirmed that I have 10 “calendar days” to make a deposit from an external account to my new Capital One account to qualify for the bonus-making that deadline 5/31. But it takes Capital One 2-3 “business days” to set up an external transfer account and another 2-3 “business days” to complete that transfer and make those funds available (or sometimes longer as I was told). So CONVENIENTLY enough-it will take over 10 calendar days to accept my $40k+ transfer which should have qualified me for a $400 bonus. And even worse is the fact that the agent wont just tell me I no longer qualify-but instead can only tell me to “call back after Oct 28th to have my account reviewed”. Absolutely worst experience I have ever gone through with a banking institution. So disappointed with the false advertising and poor handling of a new account/customer. I’m not hurting for their bonus-it’s the misleading advertising that bothers me. Hopefully this helps someone out there not get suckered in like I did!
They did the same thing to me. It took them 7 days to link my new account to my regular bank. Then another 4 days to transfer funds completely which makes 11 days. I guess I’ll find out if I get the bonus after about 4 to 5 months.
Capital One is also trying to screw me out of the $500 bonus and claiming it is for funding the account too early! These scumbags actually got my money too soon and now after completing the time requirements they are attempting to NOT pay the bonus money. I am filing a complaint with the state of Florida for deceptive practices as I continue to see posts of other people they have attempted to screw too. I would not have know that the bonus was not deposited had I not looked to deposit several hundred thousands dollars more into the account but that will now go to another bank. Capital One is a dishonest company and will no more of my family’s money.
I almost made the mistake of opening a new account with a large wire transfer, until I read your comment, thank you!
The Cap One Refer a Friend option is not available and hasn’t been available for about a month. No date know yet when (if) it will be restored. Is there any recourse since the Refer a Friend has “no expiration date”?
The only link i found to refer-a-friend is https://www.capitalone.com/bank/refer-a-friend/
However, after clicking “Refer-a-friend” button, it brings me to sign in my account, and I can’t find the referal page again. Cannot find it anywhere even in “Settings”. If someone knows how to access it, please let me know.
A lot of banks have lowered and or suspended their interest rate in the last few months. Many businesses have suspended their coupons they normally offer due to hard times we are living in.
Who knows if this is just temporary or permanent.
?
I’ve had so far. $ after you deposit $200 or more from Square’s Cash App or stablish a direct deposit of $200 or more from your employer. You can also make an ACH tranfer from any bank. Easy free money right there.
https://chime.com/r/arielmaldonadocervantes
Tired of monthly bank fees?
Chime is the best online mobile bank I’ve had so far. They pay you a $50 bonus instantly after you deposit $200 or more from Square’s Cash App or stablish a direct deposit of $200 or more from your employer. You can also make an ACH tranfer from any bank. Easy free money right there.
https://chime.com/r/arielmaldonadocervantes
Tony, Where is the “$1,000 bonus” you claim is offered by CapitalOne?
Yeah EXACTLY!!!
Tony, The $200 360 money market bonus has been extended to 21/31/17
Did anyone have to enter a promo code for the $400 ($200 360 Checking + $200 360 Money Market) to receive the bonuses that apply to promo running until 9/30/17?
I didn’t receive the offer for the $400 bonus and I still got it. I used the promo code PLUS400 when I opened my account, made two direct deposits from my employer and voila, my bonus money arrived within days of my second deposit.
Got my sign is bonus two days after my second direct deposit!!! Was not targeted … easiest $200 I’ve ever made… I’m in California… thank you!!!
Elaine,
When you put in the offer on line, did it tell you it was an invalid or did it take it? I’m trying to put it in and it’s saying it’s not a valid code.. I am in CA, too. Just wondering if there is still a chance…
Hey, did everyone do only direct deposits from your job? Did anyone do ACH and receive the bonus? Also, is a transfer from one checking account at another bank to the 360 considered ACH? Thanks in advance!
Where do you input the code? I just applied via the link https://www.capitalone.com/bonus400/ but dI’d not get an option to put in the referral code…
I opened my account on 5/11/17. I get weekly deposits direct from my employer; so when the third deposit hit last night I thought to myself, “Aw man the promo must not have worked!”.. But lo and behold, I got a text notification that the $400 was deposited into my account a few hours ago! I didn’t receive a target offer, just used promo code “PLUS400”.
Was not targeted for the offer, and even called to ask about it. They told me it wasn’t an offer that was available to me. I opened one anyway. Completed the deposit requirement this past Monday……… bonus posted on Tuesday!
Sweet! Another successful report! Everyone should try this one for sure.
Opened the PLUS400 account offer 2/3/2017, completed direct deposits on 3/16, bonus of $400 posted on 3/21/2017.
I’m in MI and just tried the $400 bonus on 5/17/17. NOTE it did not tell me whether or not I qualified, just let me go through with opening the account, so I called (before going through the hassle of switching direct deposit) to confirm whether or not it went through and it HAD NOT approved the bonus nor were there any non=targeted bonuses for my area. So if you’re in MI, you’re outta luck on that one! 🙂 It was easy enough to close the account with the rep right over the phone though so only lost about 10 mins of my time all told…worth it for the possible $400 I guess.
Aw darn, I’ve been hearing all successful attempts previously. Thanks for sharing your experience!
I did not get target offer for 400 but tried any way and just received the bonus.
Wow, very cool! Thanks for the input!
Just an fyi that the $100 bonus is only for residents of specific states. From their website “You must be a legal US resident of MA, NH, RI, or VT”. I’m going with this bank anyway, but you may want to update that in your article.
Despite the disclaimer regarding the offer being targeted, has anyone that didn’t receive the offer pursued the sign up bonus and did it work?
Yes, it worked!