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Capital One is one of the largest banks by assets in the nation. It aims to attract even more customers and deposits by offering up to $1,000 for opening up a personal savings account. Currently, however, Capital One isn’t currently offering any checking account bonuses.
Along with bonus offers, checking and savings accounts from Capital One come with some perks: no monthly fees or account minimums, a large ATM network, access to paychecks up to two days early, and a 50% discount on coffee purchases at the growing network of Capital One Cafés.
How Can You Earn a Capital One Bonus?
Capital One offers a relatively competitive and easy-to-earn welcome bonus to new customers opening a 360 Checking account.
You’ll have to open a new account using the promo code and deposit a certain amount of money during the initial 15-day funding period. You’ll then need to hold that deposit in your account for 90 days after the funding period. The bonus will be deposited into your account within 60 days of meeting the promotion requirements.
Here are the details on Capital One’s limited-time welcome offers for new customers*. Offer details are accurate as of April 1, 2024.
Capital One Promotions for 2024
Capital One 360 Checking Account Bonus: Earn $350 (Expired)
You can earn a bonus for opening a new 360 Checking account with Capital One. The 360 Checking account has no fees, minimums or overdraft fees. It also gives you the option to access your paycheck up to two days early with its Early Paycheck feature.
- What is the offer? Earn a $350 bonus after opening a new 360 Checking account and receive at least two qualifying direct deposits of $250 each within 75 days of opening your account. Your deposit must be “externally sourced funds,” meaning they come from a source not affiliated with Capital One.
- When do you receive your bonus? Your bonus will be paid within 60 days of meeting the requirements.
- Is there a time limit on the offer? This is a limited-time offer available to new customers who open an account on or before Oct. 18, 2023.
- Is there an offer code for this promotion? Yes. Use promo code BONUS350 when opening your account.
Capital One 360 Performance Savings Account Bonus: Earn $100 With a $10,000 Deposit (Expired)
You can earn a $100 bonus for opening a new 360 Performance Savings account with Capital One. That’s a good deal if you need a place to stash an emergency fund or save for another goal. The account pays a 4.25% annual percentage yield (APY), a competitive rate when compared to the best savings accounts on the market.
- What is the offer? Earn a $100 bonus after a deposit of $10,000 or more from an external account into a new 360 Performance Savings account within 15 days of account opening and keep the money on deposit for at least 90 days. Your deposit must be “externally sourced funds,” meaning they come from a source not affiliated with Capital One.
- When do you receive your bonus? Your bonus will be paid within 60 days of meeting the requirements.
- Is there a time limit on the offer? This is a limited-time offer available to new customers who open an account on or before .
- Is there an offer code for this promotion? Yes. Use promo code SPRING23 when opening your account.
Capital One 360 Performance Savings Account Bonus: Earn $500 With a $50,000 Deposit (Expired)
Capital One’s savings account bonus is more generous if you deposit a minimum of $50,000. New customers who open a 360 Performance Savings account and deposit $50,000 or more are eligible for a $500 welcome bonus.
- What is the offer? Earn a $500 bonus after a deposit of $50,000 or more from an external account into a new 360 Performance Savings account within 15 days of account opening and keep the money on deposit for at least 90 days. Your deposit must be “externally sourced funds,” meaning they come from a source not affiliated with Capital One.
- When do you receive your bonus? Your bonus will be paid within 60 days of meeting the requirements.
- Is there a time limit on the offer? This is a limited-time offer available to new customers who open an account on or before .
- Is there an offer code for this promotion? Yes. Use promo code SPRING23 when opening your account.
Capital One 360 Performance Savings Account Bonus: Earn $1,000 With a $100,000 Deposit (Expired)
The most generous bonus offered on the Capital One 360 Performance Savings Account requires a steep initial deposit of $100,000. In exchange for that, you’ll be eligible to earn a $1,000 welcome bonus.
- What is the offer? Earn a $1,000 bonus after a deposit of $100,000 or more from an external account into a new 360 Performance Savings account within 15 days of account opening and keep the money on deposit for at least 90 days. Your deposit must be “externally sourced funds,” meaning they come from a source not affiliated with Capital One.
- When do you receive your bonus? Your bonus will be paid within 60 days of meeting the requirements.
- Is there a time limit on the offer? This is a limited-time offer available to new customers who open an account on or before .
- Is there an offer code for this promotion? Yes. Use promo code SPRING23 when opening your account.
Capital One 360 Checking Account Account Bonus: Earn $350 (Expired)
Capital One’s 360 Checking account is good for people who want to keep fees to a minimum and don’t need a physical bank location. If you use your checking account to receive your paycheck, pay bills, get cash and deposit the occasional check, a 360 Checking account could be a great fit for you.
- What is the offer? $350 bonus after opening a new 360 Checking account and receive at least two qualifying direct deposits of $250 each within 75 days of opening your account
- What is considered a direct deposit? A direct deposit is a payment to your account, such as your paycheck, pension or government benefit. Person-to-person (P2P) payments from services like Venmo and Zelle do not count.
- When do you receive your bonus? You’ll receive your bonus by the last day of the calendar month, five months after you open your account. For example, if you open your account in June 2022, you will receive your bonus by Nov. 30, 2022.
- Is there a time limit on the offer? Yes. This limited time offer is available for new accounts opened by June 21, 2022.
- Is there an offer code for this promotion? Yes. Use promo code BONUS250 when opening your account.
How Good Are Capital One’s Welcome Bonuses?
Capital One’s promotional welcome bonuses are competitive with the best bank bonuses available. If you’re comfortable banking online, this bank’s bonus offers provide a great way to earn some money while switching your business to a bank that will work well for you.
But there’s a downside. Capital One’s 360 Performance Savings account bonus offer requires a high deposit amount to qualify. If your balance drops below this threshold during the qualification period, even for a day, you may not receive your bonus.
If you decide to open a Capital One savings account and want to earn the bonus, make sure that you can tie up the required amount of cash for a few months.
The Benefits of Capital One
Capital One offers customers a straightforward banking experience with minimal fees and competitive APYs. If you don’t often need to visit a physical branch, banking with Capital One is a good way to make sure you’re not paying a monthly fee for an account.
Here are some other features that Capital One offers:
- Overdraft options. Capital One allows you to select what happens if you overdraw your account. You can allow Capital One to decline transactions, automatically transfer money from another account or temporarily carry a negative account balance on approved transactions.
- Early paycheck. When you sign up for direct deposit of your paycheck or other periodic payment, Capital One can make your payment amount available up to two days before receiving the funds.
- Cash deposits. Using the Add Cash in Store feature with Capital One’s mobile app, you can deposit up to $999 in cash every day at CVS locations.
- Capital One Cafés. If you need help with your account, you can visit a Capital One Café, available in select locations, and chat with an ambassador. If you hold a Capital One debit or credit card, you can get 50% off a handcrafted coffee beverage.
What Else Should You Know About Capital One Offers?
Your Bonus May Be Taxable
The bonus you earn from opening a Capital One checking or savings account might be considered taxable income. Capital One will report your bonus as interest income on a Form 1099-INT to the IRS, and send the information to your state revenue authority if required.
You Must Be a New Customer
To qualify for the new account bonus, you must not have held or been a secondary account holder of a comparable account with Capital One since Jan. 1, 2020.
Customers who have held a 360 Checking account will not qualify for the checking account promotion. Customers who have held a 360 Performance Savings, 360 Savings, 360 Money Market, Savings Now or Confidence Savings account do not qualify for the savings account bonus.
Capital One Credit Card Promotions for 2024
The best Capital One credit cards currently have welcome bonuses that are also worth considering. The bank’s cash-back cards offer cash bonuses, while its travel cards offer bonuses in the form of credit card points that can be redeemed for travel expenses. To qualify for the following credit card sign-up bonuses, you’ll have to meet the specified minimum spending requirement within a few months of card opening.
Here are the best Capital One credit card bonuses currently available.
Capital One Quicksilver Cash Rewards Credit Card
On Capital One's Website
3.2
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Capital One's Website
Up to 5% Cash Back
Earn unlimited 1.5% cash back on every purchase, every day. Earn 5% cash back on hotels and rental cars bookedRead More
Welcome Bonus
$200
Annual Fee
$0
Regular APR
19.99% - 29.99% (Variable)
Credit Score
Excellent, Good(700 - 749)
Editor's Take
This card is a good value all-rounder, offering an intro APR period, no annual fee and a simple 1.5% unlimited cashback rate on all purchases.
Pros & Cons
- No spending category enrollment
- No cash-back rewards limits
- No foreign transaction fees
- Low spending requirement to earn welcome bonus
- High regular APR
Card Details
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% – 29.99% variable APR after that; balance transfer fee applies
Earn $200 after spending $500 on purchases within 3 months from account opening
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Capital One SavorOne Cash Rewards Credit Card
On Capital One's Website
4.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Capital One's Website
Up to 8% Cash Back
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® andRead More
Welcome Bonus
Earn $200 Cash Bonus
Annual Fee
$0
Regular APR
19.99% - 29.99% (Variable)
Credit Score
Excellent, Good(700 - 749)
Editor's Take
The Capital One SavorOne card is a perfect cash back credit card for those who spend a lot at restaurants, grocery stores (excluding superstores like Walmart® and Target®) and on entertainment. With its 3% cash back rate in those categories, it’s a win for socialites that don’t want to pay for an annual fee.
Pros & Cons
- No annual fee
- Increased cash back on dining and entertainment
- No foreign transaction fees
- Easy-to-redeem cash-back rewards
- Introductory APR on purchases and balance transfers
- High standard rate APR
- Limited cash-back reward categories
Card Details
- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% – 29.99% variable APR after that; balance transfer fee applies
- No foreign transaction fee
- No annual fee
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Spark Cash Select from Capital One *
4.5
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 5% Reward Rate
Earn 1.5% cash back on all purchases. Plus, earn unlimited 5% cash back on hotels and rental cars booked throughRead More
Welcome Bonus
Earn $750
Annual Fee
$0
Regular APR
18.49%, 21.49% or 24.49% Variable
Credit Score
Excellent(750 - 850)
Editor's Take
For business owners who value simplicity, this is a great all-rounder with no annual fee. You’ll get unlimited 1.5% cashback rewards on all purchases, plus a welcome bonus. However, what’s missing is an intro APR offer.
Pros & Cons
- Earn 1.5% cash back
- Chance to earn a welcome bonus
- No annual fee
- No foreign transaction fee
- Excellent credit required
- Spending requirement to earn bonus is high
Card Details
- Earn unlimited 1.5% cash back on eligible purchases
- Earn a $750 cash bonus after spending $6,000 in the first 3 months of account opening
- No annual fee
Earn a $750 cash bonus after spending $6,000 in the first 3 months of account opening
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Capital One VentureOne Rewards Credit Card
On Capital One's Website
3.9
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Capital One's Website
Up to 5X Reward Rate
Earn 5X miles on hotels and rental cars booked through Capital One Travel, and earn unlimited 1.25X miles on everyRead More
Welcome Bonus
20,000 Miles
Annual Fee
$0
Regular APR
19.99% - 29.99% (Variable)
Credit Score
Excellent, Good(700 - 749)
Editor's Take
This card keeps it simple but has enough to keep things interesting. It’s one of the few no annual fee cards that allows transfers to travel partners. You’ll also earn flat-rate rewards with several easy options for redeeming. It travels well, too: There are no foreign transaction fees and you’ll earn extra points for booking hotels and rental cars through Capital One’s travel portal.
Pros & Cons
- No foreign transaction fee
- No annual fee
- No penalty APR
- Ongoing rewards rate is relatively low
- Locked in to Capital One Travel booking to earn the highest rewards
Card Details
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won’t expire for the life of the account and there’s no limit to how many you can earn
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% – 29.99% variable APR after that; balance transfer fee applies
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Capital One Venture Rewards Credit Card
On Capital One's Website
4.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Capital One's Website
Up to 5X Reward Rate
Earn 5X miles on hotels and rental cars booked through Capital One Travel. Earn 5X miles on Capital One EntertainmentRead More
Welcome Bonus
Earn 75,000 bonus miles
Annual Fee
$95
Regular APR
19.99% - 29.99% (Variable)
Credit Score
Excellent, Good(700 - 749)
Editor's Take
Casual travelers who don’t plan to carry a balance will find good value in this card’s rewards rate.
Pros & Cons
- Solid rewards rate
- Global Entry or TSA PreCheck® statement credit (up to $100)
- No foreign transaction fees
- Miles are easy to redeem either via partner transfers or by applying against travel purchases
- $95 annual fee
- No introductory APR on purchases or transfers
Card Details
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Miles won’t expire for the life of the account and there’s no limit to how many you can earn
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
- Transfer your miles to your choice of 15+ travel loyalty programs
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Capital One Venture X Rewards Credit Card
On Capital One's Website
4.9
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Capital One's Website
Up to 10X Reward Rate
Earn 2 miles per dollar on all eligible purchases, 5 miles per dollar on flights and 10 miles per dollarRead More
Welcome Bonus
Earn 75,000 bonus miles
Annual Fee
$395
Regular APR
19.99% - 29.99% (Variable)
Credit Score
Excellent(750 - 850)
Editor's Take
Capital One’s most premium travel card is packed with extras that put it firmly in competition with other upscale credit cards, but at an annual fee that leaves the others far behind.
Pros & Cons
- Annual fee lower than others in its category
- Annual travel credit through Capital One Travel and anniversary miles alone could justify the annual fee
- Miles are easy to earn and easy to use
- Lack of domestic airline and upscale hotel travel partners
- Capital One lounge network in its infancy
- Lack of hotel status benefits
Card Details
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
- Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
- Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Bottom Line
Getting a Capital One savings account bonus could easily put several hundred dollars in your pocket, with minimal effort. If you haven’t considered banking online before, the opportunity to earn a bonus could be a great incentive to give it a try.
Just keep in mind that Capital One promotions are always changing and they do have expiration dates. Comparing the best bank account bonuses can help you find the best promotional offer to fit your needs.
Find The Best Bank Bonuses and Promotions Of 2024
Learn More
Frequently Asked Questions (FAQs)
How does Capital One's $200 bonus work?
There are several ways to earn a Capital One bonus, depending on which type of account you’re opening. You can get a Capital One checking bonus when you open a new checking account and set up qualifying direct deposits. A Capital One savings account bonus may be available when you open a new Capital One savings account, make a minimum opening deposit and meet ongoing minimum balance requirements.
How often can you get a Capital One bonus?
Capital One promotions are limited to new customers only. If you currently have a Capital One account or you’ve taken advantage of a Capital One bonus offer in the past, you won’t be eligible to receive additional welcome bonuses.
When will I get my Capital One 360 bonus?
Depending on which Capital One promotions you’re attempting to qualify for, it may take five to six months to receive a bonus. Bonuses earned are automatically credited to your Capital One 360 account.
How do I see special promotions for Capital One?
You can check for Capital One bonus promotions by visiting the bank’s website. You also can search online for “Capital One checking account bonus” to see what results turn up—or simply keep this page bookmarked so you can easily return to check for updates. You can then compare any available promotions to see which ones you might qualify for and how to earn them.
