Capital One 360 Promotions

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

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

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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.

Compare To These Savings/Money Market Accounts

I keep all Savings/Money Market bonus offers updated here, including a great Savings offer from Chase Bank. If you’re looking for good rates for Savings/Money Market accounts, CIT Bank and HSBC Direct have some good choices.


MoneysMyLife Top Offer Picks With 16,000 ATMs and 5,100 branches throughout the United States, Chase Bank is second only to Wells Fargo with regards to the total number of branches. This makes the bonus offers from Chase extremely popular, and they always have several promotions to choose from. Full Review. Chase Total Checking® ($200 bonus) Chase Savings℠ ($150 bonus) Chase Total Checking® + Chase Savings℠ ($350 in combined bonuses) Chase Premier Plus Checking℠ ($300 bonus) Chase Total Business Checking® ($200 bonus) Chase College Checking℠ ($100 bonus) Get a $750 Welcome Deposit for eligible new customers who open an HSBC Premier checking account with qualifying activities.Get a $350 Welcome Deposit for eligible new customers who open an HSBC Advance checking account with qualifying activities. Member FDIC. Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review Learn More Barclays has two great card offers that should interest many who are looking for a solid travel rewards credit card. The Barclaycard Arrival^® Plus World Elite Mastercard^® has a 60,000 miles sign-up bonus worth $630 in travel. You'll be able to earn unlimited 2X miles on every purchase and there are no foreign transaction fees to worry about. See Terms. Full Review The Barclays Arrival^® Premier World Elite Mastercard^®will earn you 75,000 miles each year (worth $750) if you spend $25,000 on purchases during the year. This credit card is intended for high spenders looking for a card to carry for the long-term. The card will earn unlimited miles at the rate of 2 miles per $1 spent on all purchases. See Terms. Full Review CIT Bank is offering a 1.85% APY rate with their Money Market Account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review Learn More Ally Invest is one of the nation's top choices for a low-cost stock broker, and they now have a promotion where you can earn a cash bonus of $50 to $3500, as well as $500 in commission-free trades. Your cash bonus value will depend on your deposit amount made within 60 days of account opening. Full Review Learn More Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review Learn More More Top Picks Hide

MoneysMyLife Top Offer Picks

With 16,000 ATMs and 5,100 branches throughout the United States, Chase Bank is second only to Wells Fargo with regards to the total number of branches. This makes the bonus offers from Chase extremely popular, and they always have several promotions to choose from. Full Review.

- Chase Total Checking® ($200 bonus)
- Chase Savings℠ ($150 bonus)
- Chase Total Checking® + Chase Savings℠ ($350 in combined bonuses)
- Chase Premier Plus Checking℠ ($300 bonus)
- Chase Total Business Checking® ($200 bonus)
- Chase College Checking℠ ($100 bonus)

Get a $750 Welcome Deposit for eligible new customers who open an HSBC Premier checking account with qualifying activities.Get a $350 Welcome Deposit for eligible new customers who open an HSBC Advance checking account with qualifying activities. Member FDIC.

Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review

Learn More

Barclays has two great card offers that should interest many who are looking for a solid travel rewards credit card.

The Barclaycard Arrival^® Plus World Elite Mastercard^® has a 60,000 miles sign-up bonus worth $630 in travel. You'll be able to earn unlimited 2X miles on every purchase and there are no foreign transaction fees to worry about. See Terms. Full Review

The Barclays Arrival^® Premier World Elite Mastercard^®will earn you 75,000 miles each year (worth $750) if you spend $25,000 on purchases during the year. This credit card is intended for high spenders looking for a card to carry for the long-term. The card will earn unlimited miles at the rate of 2 miles per $1 spent on all purchases. See Terms. Full Review

CIT Bank is offering a 1.85% APY rate with their Money Market Account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review

Learn More

Ally Invest is one of the nation's top choices for a low-cost stock broker, and they now have a promotion where you can earn a cash bonus of $50 to $3500, as well as $500 in commission-free trades. Your cash bonus value will depend on your deposit amount made within 60 days of account opening. Full Review

Learn More

Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review

Learn More

More Top Picks

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Capital One 360 $200 Money Market Bonus

Updated Money Market Bonus…

Open a new 360 Money Market account with Capital One 360 and earn a $200 bonus with this offer. This account also earns a good rate, but CIT Bank will offer a better Money Market rate. HSBC Direct also offers a popular Savings account option.

$200 bonus offer expires August 31, 2018
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

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How To Earn The $200 Bonus

Open your 360 Money Market account starting July 10, 2018 using the promo code BONUS200 and deposit at least $10,000 no later than 11:59 p.m. ET on August 31, 2018.
Deposits must be from another bank (transfers between Capital One accounts will not qualify).
If you have or have had a savings product with Capital One after January 1, 2016, you won’t be eligible for the bonus.
You must have received an offer and promotional code from Capital One and enter it at the time of account opening.
This offer cannot be combined with any other Capital One Bank or Capital One 360 new account opening offer, and is strictly non-transferrable.
Bonus offer is not valid for multiple accounts.
If you qualify for a bonus, Capital One will deposit the bonus money into your account within 60 days after completing the above conditions.
Once it’s deposited, the funds will be available immediately.
Account must be in good standing (not in default, closed, or suspended, or otherwise not in good standing).

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.

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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.

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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:
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	2.40%
18 Month	1.75%
24 Month	2.50%
30 Month	2.50%
36 Month	2.55%
48 Month	2.60%
60 Month	3.00%
*I keep these rates updated daily, but always check directly with the bank for confirmation.

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*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:
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	1.75%

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Top 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:

Top Bank Promotions You May Like

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

*This offer is no longer available. See other new Bank Bonus Offers here.

What: Black Friday Sale

When: 4 Days only: November 28th at 12 am ET to December 1st at 11:59 pm ET

Offers:

360 Checking: Earn $100 when you open a 360 Checking® account with a $250 minimum deposit and make 5 Debit Card purchases or mobile deposits.
360 Savings: Snag $100 when you open a 360 Savings® account with a $1,000 minimum deposit.

Offer Details:

360 Checking®: Earn $100 bonus with fee-free checking. How it works:
- Open a fee-free 360 Checking Account between Nov. 28th and Dec. 1st
- Make an initial deposit of at least $250
- Complete 5 Debit Card purchases, deposit checks from anywhere with CheckMate or any combo of both within 45 days
- Snag your $100 bonus on day 50
- The nitty gritty:
  - This has to be your (or your joint account holder’s) first 360 Checking Account (including Electric Orange checking)
  - The 5 Debit Card purchases can either be signature or PIN-based
  - Your $100 bonus will be automatically deposited into your account on day 50

360 Savings®: Start your savings journey with a 360 Savings Account (and a $100 bonus). How it works:
- Open a no-fee 360 Savings Account between Nov. 28th and Dec. 1st with an initial deposit of $1000 or more
- Snag a bonus of $100
- Enjoy the gift of saving
- The nitty gritty:
  - This has to be your (or your joint account holder’s) first 360 Savings Account (including Orange savings Accounts)
  - The bonus starts earning interest on day 1, but you can’t take it our for at least 30 days
  - This account must be funded from a source outside of Capital One 360, In other words, your initial deposit can not be transferred from an existing Capital One 360 account.

*Did you miss this special black friday offer? See the other Capital One 360 offers here.

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