Find the latest listing of Capital One 360 promotions, bonuses, and offers here.
Capital One 360 typically offers $25, $100, $200, $300, $400, $500, & $600 cash bonus, and $1,000 in referrals. Their checking and savings accounts are considered one of the best options for a free checking account.
Capital One 360 Bank Promotions Review
Being one of the largest financial institutions in the United States, Capital One has over 500 convenient locations spread throughout the nation. With a driven and dedicated team offering fantastic products such as savings rates and CD rates, you are able to obtain the best services and features the bank has to offer.
- Bonus Link:
- $250 Checking Bonus (01/26/2021)
- $400 Checking Bonus (01/26/2021)
- $100 Checking Bonus (01/26/2021)
- Account Type: Checking Account
- Availability: Nationwide
- Branches: 500 Branches (Bank Locator)
- Credit Inquiry: Soft Pull
- Direct Deposit Requirement: Unknown
- Credit Card Funding: Up to $2K
- Early Termination Fee: If the account is closed by the customer or Bank within 90 calendar days after opening, they will deduct bonuses earned and received at closing and a $25 account closing fee may be assessed.
For more current offers, check out our bank bonuses page. Compare Capital One 360 rates for CDs and Savings with our best rates for Savings and CD accounts.
Be sure to check more popular bank promotions include Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank, and many more.
I’ll go over the Capital One 360 offers below.
Capital One 360 Checking Account
Capital One 360 Performance Savings Rate
Capital One 360 offers some of the best rates with its Performance Savings account. This online account is also fee-free and FDIC insured.
| Account Balance | APY Rate |
| All Balances | 0.50% APY |
Savings rate can change quite often. With that said, you can take advantage of the best nationwide savings rates here as well as the best savings account bonuses. I would recommend the UFB Direct High Yield Savings and the CIT Bank Savings Builder accounts as they offer exceptional industry leading rates available nationwide. The Chase SavingsSM account has a nice sign-up bonus. |
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| PROMOTION LINK | OFFER | OFFER |
| Chase SavingsSM | $150 Cash | Review |
| American Express High Yield Savings | 0.60% APY | Review |
| CIT Bank Money Market | 0.50% APY | Review |
| Discover® Online Savings Account | 0.50% APY | Review |
| CIT Bank Savings Builder | 0.45% APY | Review |
| UFB High Yield Savings | 0.40% APY | Review |
Capital One $400 Checking Bonus
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![Capital One 360 $150 Checking Bonus [MA, TX, WA] (Spotify Offer)](https://www.bankdealguy.com/wp-content/uploads/2017/02/Capital-One-360.png)
What you’ll get: $400 Bonus
- Where it’s available: Nationwide
- How to earn it:
- Open a qualifying account with promo code BONUS400
- Receive at least 2 direct deposits totaling $1,000 or more within 60 days of account opening.
- Your $400 bonus will be deposited into your new account. See disclosures for when you should expect to see your bonus.
- When it expires: 01/26/2021
Capital One $250 Checking Bonus
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What you’ll get: $260
- Where it’s available: Nationwide
- How to earn it:
- Use promo code UPTO250 to open a new 360 checking account and spend the following amount on your debit card within the first 90 days to earn the corresponding bonus:
- $500+ to earn $150; OR Spend $1,500 to earn $250.
- You’ll see $250 in your new account within 60 days after your 90-day spend period ends.
- When it expires: 01/26/2021
(Expires January 26, 2021)
Furthermore, I would compare this offer to some of the best offers available. Current bonuses such as Chase Total Checking ($200 Bonus), HSBC Premier Checking ($450 Bonus), Huntington 25 Checking ($500 Bonus), TD Bank Beyond Checking ($300 Bonus) as well as the TD Bank Convenience Checking ($150 Bonus) are all fantastic offers.
Capital One $100 Checking Bonus
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What you’ll get: $100
- Where it’s available: Nationwide
- How to earn it:
- Open a 360 Checking account by January 26, 2021, with promo code BANK100.
- Using your debit card, spend at least $300 within 90 days of opening the account.
- $100 in your new account 60 days after your 90-day spend period ends.
- When it expires: 01/26/2021
(Expires January 26, 2021)
Capital One 360 $25 – $100 Checking/Performance Savings Bonuses *Expired*
- What you’ll get: $25 – $100 bonus
- Where it’s available: Nationwide
- How to earn it:
- 360 Performance Savings account
- Open an account with $10,000 initial deposit
- Deposits of $10,000 or more earn a $100 bonus
- Deposits of $250-$9,999.99 earn a $25 bonus
- Bonus starts earning interest upon account opening but is unavailable for withdrawal for 30 days, once the requirements are met
- 360 Checking account
- Open an account with $250 initial deposit
- Have a total of 3 Debit Card purchases within 45 days of account opening
- Bonus will automatically be deposited into your account on day 50, once the requirements are met.
- 360 Performance Savings account
- When it expires: None
(Does Not Expire)
Capital One $100-$500 Performance Savings Bonus *Expired*
- What you’ll get: Up to $500
- Where it’s available: Nationwide
- How to earn it:
- Open a new 360 Performance Savings account by June 10, 2020, using promo code SCORE500.
- Deposit $10,000–$50,000 or more of new money within 10 days of account opening (Initial Funding Period).
- Maintain the required daily balance within a bonus tier for 90 days following the Initial Funding Period, and earn $100 for every $10,000 maintained (up to $500).
- When it expires: 06/10/2020
Capital One up to $450 Performance Savings Bonus *Expired*
- What you’ll get: Up to $450
- Where it’s available: Nationwide
- How to earn it:
- Increase your current balance by depositing $20,000 or more of new money from an external bank (Balance Build Deposit) account into your 360 Performance Savings account by the last 4 digits of the account number in the communication by June 30, 2020.
- $150 bonus—the money you deposit from an external bank was between $20,000 and $49,999.99 (Lower Tier), and you maintained the Balance Build Deposit daily in the account until 11:59 p.m. ET, September 28, 2020.
- $450 bonus—the money you deposit from an external bank was $50,000 or more (Higher tier), and you maintained the Balance Build Deposit daily in the account until 11:59 p.m. ET, September 28, 2020.
- Increase your current balance by depositing $20,000 or more of new money from an external bank (Balance Build Deposit) account into your 360 Performance Savings account by the last 4 digits of the account number in the communication by June 30, 2020.
- When it expires: 6/30/2020
(Expires June 30, 2020)
Capital One $1,500 Business Savings Bonus *Expired*
- What you’ll get: Up to $1,500
- Where it’s available: Nationwide
- How to earn it:
- Earn a bonus when you fund your new Business Savings Account.
- $1,500 when you deposit more than $200,000 by April 30, 2020.
- $800 when you deposit between $100,000 and $199,999 by April 30, 2020.
- Earn a $400 bonus when you deposit between $50,000 and $99,999 by April 30, 2020.
- Earn a bonus when you fund your new Business Savings Account.
- When it expires: 04/30/2020
(Expired)
Checking Account Bonuses
Capital One 360 offers cash bonuses for new checking customers from time to time. Sometimes you have to open a checking plus savings account package to earn these bonuses.
As an added perk, All Capital One 360 checking accounts offer free online banking, mobile banking, and mobile deposits.
Special Checking Account Features
All Capital One 360 checking accounts come with these features.
- Online Banking: You can access your funds at any time, anywhere in the world as long as you can access the internet.
- Financial Team: You can consult with a variety of experts to determine the best move for your money
- Mobile Banking & mobile deposits: With a tap of a finger, you can manage your money in the palm of your hand with any smartphone.
What to Open at Capital One 360
Keep your eye out on these great Capital One 360 products:
- Checking: You can earn a $100 bonus when you open a new qualifying checking account and complete the requirements.
Capital One 360 Checking Alternatives
Chase Total Checking®HSBC Advance CheckingTD Convenience CheckingHuntington 5 Checking
 • Enjoy a $200 bonus when you open a new Chase Total Checking® account and set up direct deposit • Access to 16,000 Chase ATMs and nearly 4,900 branches • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device. • Open your account online now. • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com. |
 • Get up to $240 with a 3% Cash Bonus Checking Offer when you open a new HSBC Advance checking account and complete the following qualifying activities. • Open your new HSBC Advance checking account online by January 7, 2021; and • Set up Qualifying Direct Deposits into your new HSBC Advance checking account; and then • Enjoy 3% Cash Bonus, up to $240, on Qualifying Direct Deposits up to $40 per month, during the first 6 calendar months after account opening • You will automatically receive the 3% Cash Bonus in your new HSBC Advance checking account approximately eight weeks after completing that month's qualifying activities. Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC. |
 With the TD Convenience CheckingSM Account: • Earn $150 when you receive direct deposits totaling $500 or more within 60 days • Low minimum daily balance of $100 waives the $15 monthly fee. • Students and young adults ages 17 through 23 get additional perks like no minimum balance requirements and no monthly maintenance fee. • Instantly replace a lost or worn debit card by visiting a TD Bank location near you • Access accounts via Online Banking with Bill Pay, Online Statements and TD Bank Mobile Deposit, with 24/7 cash access at TD ATMs in the U.S. and Canada – plus 24/7 Live Customer Service • Get a 0.25% discount on TD Bank Home Equity and Personal Loans |
How to Avoid Capital One 360 Checking Account Fees
- Money Market: There are no monthly service fees.
- Checking: There are no monthly service fees.
- Savings: There are no monthly service fees.
Savings Account Offers
- Performance Savings: This account earns 1.00% APY. Minimum deposit $150,000 or more and there are no monthly service fees
- Certificate of Deposit
- Standard Term CD: 0.60% – 2.20% APY. Terms ranging from 6 month – 60 months. Minimum deposit of $2,500.
- Money Market: 0.50% APY, on balance of $100,000+.
Capital One 360 Savings Alternatives
Chase SavingsSMDiscover Online SavingsDiscover CDsDiscover Money Market
 • Enjoy a $150 bonus when you open a new Chase SavingsSM account, deposit a total of $10,000 or more in new money within 20 business days, and maintain a $10,000 balance for 90 days • Access to 16,000 Chase ATMs and nearly 4,900 branches • Link this account to your Chase checking account for Overdraft Protection. • Chase Mobile® app – Manage your accounts, deposit checks, transfer money and more — all from your device. • Open your account online now. • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com. |
 -Available nationwide - paired with phenomenal customer service -Get 0.50% APY on your funds with no minimum requirements & no monthly fees! -No hidden fees. No minimum balance to open. -It's your money. Use it when and how you want. -Deposit checks on the go or grow your savings with automatic transfers. -Move money in and out of your savings account easily and securely. -View your savings account balance and activity online or with mobile app. -Get started and open a Discover Savings Account in 3 easy steps. |
• Available nationwide online • Discover offers CDs with some of the highest and most competitive rates! • Select terms as short as 3 months up to 120 months • Rates ranging from 0.20% APY up to 0.60% APY. • Opening a Discover Bank Certificate of Deposit is extremely quick and easy. • Funds on deposit are FDIC-insured up to the maximum allowed by law. • Start today with a minimum deposit of $2,500! • Get started and open a Discover CD in 3 easy steps. |
• Available nationwide online • Earn high yields with flexible access to your cash. • Earn 0.40% APY balances $100,000 and over • Earn 0.35% APY balances under $100,000 • Open with as little as $2,500. • No hidden fees. No surprises. • Easy cash access via debit or check, or via ATM at over 60,000 no-fee ATMs • Get started and open a Discover Money Market Account in 3 easy steps. |
Author’s Verdict
To summarize, Capital One 360 has some of the best promotions, bonuses, and offers nationwide. With a wide variety of products and services, you’ll be able to find one that best suits your needs!
Additionally, you can find a full list of the best bank promotions here. Finally, remember to bookmark this page because you will always find an updated list of Capital One 360 promotions here.
| PROMOTIONAL LINK | OFFER | REVIEW |
| Chase Business Complete BankingSM | $300 Cash | Review |
| Chase Private Client | $2,000 Cash | Review |
| Chase Total Checking® | $200 Cash | Review |
| Chase SavingsSM | $150 Cash | Review |
| HSBC Premier Checking Member FDIC | $450 Cash | Review |
| HSBC Premier Checking Member FDIC | Up To $600 | Review |
| HSBC Advance Checking Member FDIC | $200 Cash | Review |
| HSBC Advance Checking Member FDIC | Up To $240 | Review |
| Huntington 25 Checking | $500 Cash | Review |
| Huntington Bank Unlimited Plus Business Checking | $750 Cash | Review |
| Huntington Bank Unlimited Business Checking | $400 Cash | Review |
| Huntington Bank Business Checking 100 | $200 Cash | Review |
| TD Bank Beyond CheckingSM | $300 Cash | Review |
| TD Bank Convenience CheckingSM | $150 Cash | Review |
| Axos Bank Basic Business Checking | $100 Cash | Review |
| Aspiration Spend & Save | $100 Cash | Review |
