“What’s in your wallet?”
If you don’t yet have a Capital One 360 bank account (or having had one since January of 2022), there might be a way for you to get one put a few extra dollars in your pocket.
Capital One is one of the most recognizable names in the financial world and Capital One 360 is their online banking arm.
If you’re thinking about opening a Capital One 360 account and want to know if they have any bonus offers – you’re in the right place.
💵 U.S. Bank – up to $450
Earn up to $450 when you open a new U.S. Bank Smartly® Checking account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through 6/18/2026. Member FDIC.
Get started with an initial deposit of $25 within 30 days. Offer may not be available if you are an existing U.S. Bank customer or live outside of the U.S. Bank footprint.
Table of Contents
🔃 Updated March 2026 – the Capital One 360 checking account bonus is still the same and has no expiration date listed. The offer is pretty generous, you get $250 using the promo code CHECKING250.
Capital One 360 Checking Account – $250
Capital One 360 $250 Checking Account Bonus Summary
- What you get: $250 cash bonus
- Who qualifies: Valid for new 360 Checking account customers. If you had a If you had a 360 Checking, Simply Checking, or Total Control Checking account with Capital One on or after January 1, 2022, you are ineligible.
- Where to open: Online
- Promotion code: CHECKING250
- How to get it:
- Open a Capital One 360 Checking account,
- Make a minimum opening deposit of $1 to fund your account,
- Next, receive two direct deposits each of $500 or more within 75 days of account opening
This latest bonus for a Capital One 360 Checking account is super simple.
Just open a Capital One 360 checking account by at an unknown date, they did not list one and then receive two direct deposits each of $500 or more within 75 days of account opening.
The page will populate the promo code automatically but the promo code is CHECKING250 on this offer in case it doesn’t happen.
Valid for new 360 Checking account customers. If you had a If you had a 360 Checking, Simply Checking, or Total Control Checking account with Capital One on or after January 1, 2022, you are ineligible.(Offer expires at an unknown date, they did not list one)
What Counts as a Direct Deposit?
Capital One seems flexible in what they’ll accept as a direct deposit. There are several ways to trigger it and they involve transferring from another account. You must initiate the transfer from the other account though.
In October 2023, I was able to do this with my Vanguard brokerage account.
The two transfers were coded as “Transfers” but I still got the bonus a few days later:
I’ve had several people report that they were able to get the bonus to trigger by using a transfer from Fidelity or another brokerage.
Previous Capital One 360 Checking Promotion Codes
Did you try to get a previous Capital One promotion and they are asking you for the code you used? Here are the historical bonus codes we have recorded based on the expiration date of the offer:
- For the promotion bonus period ending January 11th, 2022 – the code was SHARE100
- For the promotion bonus period ending June 21, 2022 – the code was BONUS250
- For the promotion bonus period ending October 18, 2023 – the code was BONUS350
- For the promotion bonus period ending November 1, 2023 – the code was BONUS350 (again)
- For the latest promotion bonus period (with no known expiration date) – the code was CHECKING250
Capital One 360 Performance Savings Account – up to $1,500
Capital One 360 up to $1,500 Performance Savings Account Summary
- What you get: up to $1,500 cash bonus
- Who qualifies: If you have or had an open 360 Performance Savings, 360 Savings, 360 Money Market, Savings Now or Confidence Savings account as a primary or secondary account holder with Capital One on or after January 1, 2022, you will be ineligible for the bonus. If your account is in default, closed or suspended, or otherwise not in good standing, you will not receive the bonus.
- Where to open: Online
- Promotion code: BONUS1500
- How to get it:
- Open a Capital One 360 Performance Savings Account,
- Next, deposit at least $20,000 in new funds into the account during the 15-day initial funding period and keep it there for an additional 90 days
- When does it expire: not listed
Capital One recently brought back their Performance Savings bonus and it just requires you to open an account and deposit at least $20,000 in new funds into the account during the 15-day initial funding period and keep it there for an additional 90 days. This is the best Capital One saving account bonus I’ve seen in quite some time.
The promotional page shares a promo code of BONUS1500 so make sure you enter that in if it’s not automatically populated.
This offer is very popular because it’s a bonus that does not require a direct deposit.
This bonus is tiered based on how much you transfer into your account within 15 days (from an external account):
- Earn a $300 bonus when you deposit $20,000 – $49,999,
- Earn a $750 bonus when you deposit $50,000 – $99,999,
- Earn a $1,500 bonus when you deposit $100,000 or more.
(Offer expires not listed)
Capital One Quicksilver Cash Rewards Credit Card – $200 Cash Back
The Capital One Quicksilver Cash Rewards is a credit card that will give you $200 Cash Back $500 on purchases within 3 months from account opening of opening an account.
You also get 1.5% cashback on every purchase, it’s a solid cash back card with no annual fee.
It’s a great card if you want to get a single credit card and not think about cashback reward tiers when you’re at the register.
Capital One Spark Cash Select – $500
This first card is a business card because the offer is just so good. With the Capital One Spark Cash Select, you can earn $500 after you spend $4,500 in the first 3 months from account opening.
The card has an annual fee of $0!
Also, you earn unlimited 1.5% cash back on every purchase.
If you have a business and are looking for a juicy welcome bonus, I have a hard time finding one better than this one (for $0 annual fee).
There are also quite a few Capital One credit card offers you can get – some of them offer several hundred dollars when you reach a spending threshold.
About Capital One 360
It only felt like yesterday that the term “online bank” felt like a novelty. ING Direct was still doing silly ads where people didn’t know how to pronounce “ING” (I still say the individual letters). They were acquired by Capital One in 2011 and turned into Capital One 360 – the bank we’re talking about today.
Capital One 360 is FDIC insured as Capital One Bank USA (FDIC #33954) and if you want a deeper dive into the bank’s offering – our Capital One 360 review does a good job outlining it all.
Just as an aside – even without the bonus, Capital One 360 is a pretty good online bank. They have great rates, practically no fees, and one of the nice features is that you can open separate savings accounts for different savings goals. You can do it all online pretty quickly and each one will have its own account number, so you can set up automatic transfers to help with savings. It’s a good way to do envelope budgeting without actual envelopes.
So it’s a case where you come for the bonus but stay for the bank’s other features.
What To Watch For
You are not eligible for this bonus if you’ve had or had an open 360 checking account (as primary or secondary) on or after January 1, 2022.
Otherwise, no other things to watch out for – the account has no monthly fees, no minimum balance, and no gotchas to speak of. I’ve had an account at Capital One 360 for over ten years (it started as an ING Direct account) and have yet to pay a fee.
Plus it earns an interest rate of 3.10% APY, as of 3/21/2026.
How Does This Bonus Compare?
It was a pretty solid offer because a bonus of $250 for just is great.
Here are how a few other banks compare:
SoFi Money – $50 or $400
SoFi Money will give you $50 or $400 if you open an account and make direct deposits of at least $1,000. The bonus will be based on the total amount of those direct deposits in a 30-day evaluation period.
U.S. Bank – up to $450
Earn up to $450 when you open a new U.S. Bank Smartly® Checking account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through 6/18/2026. Member FDIC.
Get started with an initial deposit of $25 within 30 days. Offer may not be available if you are an existing U.S. Bank customer or live outside of the U.S. Bank footprint.BMO Checking – $400
BMO is offering a $400 bonus* when you open a BMO Checking account and have a cumulative total of $4,000 in qualifying direct deposits within 90 days of account opening. It is a very straightforward offer that is available nationwide.
*Conditions apply
Capital One 360 Checking – $250
Capital One 360 has a $250 cash bonus when you open a new account and then receive two direct deposits each of $500 or more within 75 days of account opening. Valid for new 360 Checking account customers. If you had a If you had a 360 Checking, Simply Checking, or Total Control Checking account with Capital One on or after January 1, 2022, you are ineligible.
Bank of America – up to $500 cash offer
Bank of America offers a up to $500 cash offer cash bonus if you open a new account and To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days. . It has a monthly fee that is easy to get waived.
(Offer expires 5/19/2026)
As you can see, this Capital One 360 bonus account is easier because it requires a relatively small direct deposit. Not all offers are this simple, review our guide on bank account bonuses to see what other banks typically require as a comparison.
I just called Capital One. They said the bonus is only for new account holders. Existing 360 Savings account holders are not eligible, even if they transfer in new money from a different account.
The promo code is added when transferring the money.
I just called and talked to a lady at Cap1(she actually spoke English, which was an added bonus). She said this bonus requirement is specific to a Capital One 360 CHECKING account. I have a 360 Performance Savings account and she insisted that I was eligible for the $400 bonus since I have never had an open CHECKING account with Capital One. So ever who you spoke to apparently told you wrong.
Does the promo code get entered automatically for the Capital One 360 checking?
Opened it today and through the process I didn’t see a code entered or got requested for one at any point.
I know some do when you click the direct link.
Hello,
I just opened a capital one 360 saving account. However, i couldn’t find where i can add the promo code SCORE500
Is there any way i still can added it after i already opened an account??
Thank you
I don’t know if you can but contact customer service and let them know, maybe they can add it to your account.
Definitely call, I called right after I opened my account and didn’t see where to enter the promo code! Then I read the fine print and saw that it could take 90 days to get the bonus. Then I forgot about it. After 11 months I saw the offer in my files and knew that I upheld the requirements so I called back. It was just 10K so a $200 bonus and it just got deposited into my account. Cha Ching!! CAll! 10/25 2020.
Nice!
I started a 360 account a couple of months ago and thought I transferred funds to the account, but the funds never got transferred & capital one closed the account. Since the funds were never transferred, am I still eligible for the $500 bonus if I try it again & do a better job of following up to ensure the funds are truly transferred this time?
This is a tricky scenario – I would call and ask.
5/21/20 Hey Jim. Great site – good info. Thanks. Father of 3…..that has to be a handful with the Covid isolation circumstance. Good luck to you 🍷 So I opened the 360 on 5/16/20 the rate was 1.50% (I notice it dropped to 1.30% when I blinked). Anywho, I have a Cap1 Visa card thus a Cap1 app. I opened the app and proceeded to open the 360 savings account. All went well until I realized there was no opportunity to add Promo Code SCORE500. Called Cap1 (several transfers). Finally spoke with an agent. « We’re sorry sir. I do see… Read more »
Hey Mike – Aren’t you going to get the $500 as long as you meet the requirements? Or did they mean you still needed to be approved after you did everything?
As for the interest rate, c’mon Mike – I’m not going to calculate that for you! I was a Computer Science major, not a math major! 🙂
Interest rate? If you don’t have to be precise it’s simple.
500 return on 50000 for 3 months (actually 90 days, but close enough).
500/50000 = 1%
1% x 4 for simple annualized APR = 4%. Add in the interest paid along the way and the APR is between about 4.5% and 5%. Of course the APR drops quickly after the end of the 90-day period; the current savings rate is 0.65%
It is not clear to me how to transfer the dollars from my bank to capital one performance 360. I have been approved and have an account number but when I tried to put it into my bill pay it was asking for a billing address and information not needed. What do I need to do Also I wanted this to be a joint account and neglected to complete that area.
Hi Harry – you don’t use billpay to transfer funds, you can do an ACH transfer. Just log into your account and look for a “Transfer Money” button at the top when you look at your account details.
Does the 90 day count starts when you make a deposit or the next day after the first 10 day deposit window? I made a 10K deposit 3/10 same day I opened the account, do I need to keep the money to earn the bonus until June 8 or June 18?
The way I read it is that you need to wait until 90 days after the 10 day deposit window.
I deposited 50k within the period and read all disclaimers. When I called to ask when will the bonus be posted, the lady said that, I am sorry Ma’am You had an account with us in 2017 so you are not able to get it because you had a previous account with us. It has been 3 years that I have closed that account. Can you pleas confirm that this is true? Thanks!
Hi Mary – I’m afraid I have to defer to what the representative said because I don’t have the original terms anymore.
I opened 360 performance account and transferred 50,000. Am i eligible to get $ 500 bonus. I did not enter the coupon code.
You have to contact Capital One to find out.
I opened the 360 checking and am waiting on our debit cards. I won’t have any problem spending 500 within 90 days, but wondering if buying gift cards at grocery or discount stores would contribute or rather be allowed to get me to 1500. I’m donating some at Christmas to local families in need and could also save some for myself for groceries after 90 day period. It’s a purchase and not an ACH so should count, right?
I would expect them to be coded as purchases and should qualify towards the amount.
Do the direct deposits have to be from an employer, or would them accept two ACH transfers from another bank?
Generally, the direct deposits have to be payroll or government benefits.