You’ve probably seen plenty of Capital One commercials that feature the catchphrase “What’s in your wallet?” This financial institution employs several celebrities to endorse its products as well. If you’ve thought about opening a Capital One account, you’re not alone. There are many reasons why a Capital One account can be worth your time, including the many promotions they’re currently offering to new customers.
Each of the following promotions requires a different set of criteria to be eligible for a bonus. It’s important to read the fine print when it comes to these promotions, especially for things like closing your account early and losing your rewards. We fine-tune through the most lucrative bank promotions and lay them all out in our monthly bank bonus guide here.
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Best for checking
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Best for savings
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Best for business
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Chase Total Checking® (Nationwide)
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SoFi Checking & Savings (Nationwide)
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Chase Business Complete Checking® (Nationwide)
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- Bonus Offer: $300
- Minimum Deposit: $500
- Direct Deposit: Yes
- Expiration Date: 1/22/25
- Bonus Offer: $325
- Minimum Deposit: $1,000-$5,000
- Direct Deposit: Yes
- Expiration Date: 12/31/25
- Bank Bonus: $300
- Minimum Deposit: $2,000
- Direct Deposit: No
- Expiration Date: 1/16/25
So that’s why we’ve put together all the details you need to earn more for bringing your finances to Capital One.
Are you ready to see which promotional offers you can take advantage of with Capital One? Let’s get started!
10 Best Capital One Promotions
Take advantage of the offers below to see how an account with Capital One can help you. Some come with an annual fee while others allow you to waive the monthly fee by fulfilling certain requirements. No matter which promotion you choose to take advantage of, Capital One offers financial solutions you can benefit from every day.
1. Capital One 360 Checking
Get a $250 Bonus: Open a 360 Checking account using the promo code CHECKING250. To qualify, set up two direct deposits of $500 or more within 75 days of opening your account. Once you meet these requirements, Capital One will deposit a $250 bonus into your account within 60 days. This account has no monthly fees, no minimum balance requirements, offers access to over 70,000 fee-free ATMs nationwide, and even lets you get paid up to two days early with direct deposit.
2. Capital One 360 Performance Savings
Earn Up to $1,500: Open a 360 Performance Savings account with promo code BONUS1500. Deposit new funds from an external account within 15 days and maintain that balance for 90 days. Your bonus depends on how much you deposit: $300 bonus for deposits between $20,000–$49,999, $750 bonus for deposits between $50,000–$99,999, and $1,500 bonus if you deposit $100,000 or more. There are no monthly fees, competitive interest rates, and your deposits are FDIC insured.
Capital One Credit Card Offers – Big Bonuses for New Cardholders:
3. Capital One Venture X Rewards Credit Card – 75,000 Bonus Miles
Apply for a new Capital One Venture X Rewards Credit Card. Spend $4,000 on purchases within the first three months to earn 75,000 bonus miles. This card offers unlimited 10X miles on hotels and rental cars booked through Capital One Travel, 5X miles on flights booked through Capital One Travel, and 2X miles on all other purchases. Benefits include a $300 annual travel credit, 10,000 bonus miles every account anniversary, and access to Capital One Lounges and Partner Lounges.
4. Capital One Venture X Business – 150,000 Bonus Miles
Apply for a new Capital One Venture X Business card. Spend $30,000 on purchases within the first three months to earn 150,000 bonus miles. This card provides unlimited 2X miles on all purchases and 10X miles on hotels and rental cars booked through Capital One Travel. Additional perks include a $300 annual travel credit, 10,000 bonus miles after your first anniversary, and access to Capital One Lounges and Partner Lounges.
5. Capital One Quicksilver Cash Rewards Credit Card – $200 Bonus
Apply for a new Capital One Quicksilver Cash Rewards Credit Card. Spend $500 on purchases within the first three months to earn a $200 cash bonus. This card offers unlimited 1.5% cash back on every purchase and has no annual fee.
6. Capital One VentureOne Rewards Credit Card – 20,000 Bonus Miles
Apply for a new Capital One VentureOne Rewards Credit Card. Spend $500 on purchases within the first three months to earn 20,000 bonus miles. This card provides unlimited 1.25X miles on every purchase, has no annual fee, and offers a 0% introductory APR on purchases for the first 15 months.
7. Capital One Venture Rewards Credit Card – 75,000 Bonus Miles
Apply for a new Capital One Venture Rewards Credit Card. Spend $4,000 on purchases within the first three months to earn 75,000 bonus miles. This card offers unlimited 2X miles on every purchase and 5X miles on hotels and rental cars booked through Capital One Travel. Benefits include up to a $100 credit for Global Entry or TSA PreCheck® and no foreign transaction fees.
8. Capital One Spark Cash Plus – $2,000 Bonus
Open a new Capital One Spark Cash Plus credit card. Spend $30,000 within the first three months to earn a $2,000 cash bonus. Additionally, earn a $200 cash bonus every time you spend $200,000 or more in a year. This card offers unlimited 2% cash back on every purchase and has a $150 annual fee.
9. Capital One Spark Cash Select – $500 Bonus
Apply for a new Capital One Spark Cash Select credit card. Spend $4,500 on purchases within the first three months to earn a $500 cash bonus. This card offers unlimited 1.5% cash back on every purchase and has no annual fee.
10. Capital One Spark Miles for Business – 50,000 Bonus Miles
Apply for a new Capital One Spark Miles for Business credit card. Spend $4,500 on purchases within the first three months to earn 50,000 bonus miles. This card provides unlimited 2X miles on every purchase and 5X miles on hotels and rental cars booked through Capital One Travel. The annual fee is waived for the first year; thereafter, it's $95.
Alternative Bank Promotions
If you don’t see any promotions from Capital One that suit your fancy, you might be able to score rewards with the following banks instead:
- Chase: If you open a new checking account and set up direct deposit within 90 days, you can earn up to $200 from Chase. You can also earn $100 if you open a new Chase College Checking℠ account as a student.
- Citi: This bank will award you $200 for opening a business checking account and depositing at least $5,000 within the first month. You must hold those funds within the account for 60 days to receive the full $200 bonus.
- TD Bank: As long as you have $2,500 in direct deposits within the first two months of opening an account with TD Bank, you can earn $300.
- Discover: Open an online savings account and deposit at least $15,000 into your new account within 30 days to earn $150. If you deposit $25,000, you can earn up to $200.
- Bank of America: This checking account comes with a monthly fee, but you can easily waive it. To earn a $100 bonus, simply create a new account and fund it with direct deposits of $1,000 or more within the first three months.
Be sure to read the fine print on how to earn the rewards before signing up and finding out you don’t qualify. In some cases, you may have to pay a penalty for closing your account early.
How to Make the Most of Capital One Promotions
Capital One offers several types of bank account bonuses based on which promotion you choose. These include sign-up bonuses, referral bonuses, and credit card bonuses. This well-known brand offers customers plenty of physical locations to visit for help in addition to an intuitive mobile app that optimizes the digital banking experience.
You can bank for your personal and business needs with Capital One. While you may have to submit to a credit check, these promotions do have tiered options that reward all types of financial prosperity. The more you deposit with Capital One, the higher your rewards.
When opening a Capital One bank account, consider the requirements in addition to fees and bonuses. Pay close attention to how long you’ll need to keep the account open to keep your bonus once you receive it. Those promotions that do require direct deposit typically refer to electronic deposits from an employer, the government, or via Social Security benefits, unless otherwise specified.
In addition to promotions for new customers, Capital One gives customers access to Cash Deposits at participating CVS locations. You’ll also have access to options for overdrafts and even the chance to get paid early. Capital One Cafes and Capital One airport lounges also sweeten the pot when it comes to membership with this popular financial institution.
What Capital One Can Do for You
Capital One offers customers the Capital One Shopping browser extension, which helps you to find the best deal on practically any site. You can also take advantage of the auto loans Capital One offers to obtain a better interest rate than you’d find at most dealerships.
You can also use CreditWise, a credit monitoring service powered by Capital One that’s free for anyone to join. You don’t have to be a Capital One member to benefit from this useful service that reports both your Experience and TransUnion credit scores. This tool can be especially helpful if you’re looking to apply for a new credit card, personal loan, auto loan, or mortgage.
Use CreditWise to get your free credit score. Explore the potential impact of your financial decisions before you make them. Use the CreditWise Simulator to see how actions, like paying down your balance or increasing your credit limit, may affect your score. Monitor your credit health for free–it won’t hurt your credit score.
FAQs
Each promotion will have its own timeframe, but you can expect most rewards within 60-90 days of meeting corresponding requirements. Be sure to check that you fulfilled these requirements before you reach out to customer service.
You can easily earn $200 by qualifying for a SavorOne Cash Rewards Credit Card or a Quicksilver Cash Rewards Credit Card from Capital One. These cards require you to spend at least $500 in the first three months of ownership.
Each credit card Capital One offers requires a different credit score to qualify. It’s a good rule of thumb to have a credit score of at least 670 to qualify for a Capital One credit card, but eligibility for these cards can vary based on your circumstances.
Most banks will offer some sort of sign-up bonus. Capital One offers many sign-up bonuses. Citibank, Chase, Discover, TD Bank, and many more offer free money for opening a new account as well.
Add Money to Your Wallet with Capital One Promotions
Banking doesn’t have to be a hassle with Capital One. There are several promotions above you can use to make your money work for you and earn extra income to add to your savings. We hope you’ve found this article helpful in finding out how you can qualify for these savings without jumping through too many hoops. After all, it’s about working smarter, not harder. So, what will you do with your Capital One promotional rewards?
Other Bank Promotions:
- Chase Bank Promotions
- CIT Bank Promotions
- Bank of America Promotions
- Bank Promotions without Direct Deposit Requirements
- Best Bank Account Bonuses
- Best Credit Union Bonus Promotions
- 1. Capital One 360 Checking
- 2. Capital One 360 Performance Savings
- 3. Capital One Venture X Rewards Credit Card – 75,000 Bonus Miles
- 4. Capital One Venture X Business – 150,000 Bonus Miles
- 5. Capital One Quicksilver Cash Rewards Credit Card – $200 Bonus
- 6. Capital One VentureOne Rewards Credit Card – 20,000 Bonus Miles
- 7. Capital One Venture Rewards Credit Card – 75,000 Bonus Miles
- 8. Capital One Spark Cash Plus – $2,000 Bonus
- 9. Capital One Spark Cash Select – $500 Bonus
- 10. Capital One Spark Miles for Business – 50,000 Bonus Miles
