Capital One 360 Promo Codes & Bonuses (2026): 360 Checking & Performance Savings

Capital One's 360 lineup remains one of the most straightforward ways to earn a cash bonus from a major online bank in 2026. There's no branch visit required, no minimum balance to maintain your account, and the bonus structures are clearly tiered so you know exactly what you'll earn before you deposit a dime. Whether you're looking to park a large sum of cash and earn up to $1,500, or you just need a place to land your paycheck for a $400 bonus, Capital One has an offer that fits. Below, we break down the top Capital One 360 bonuses available right now, ranked by potential payout, so you can decide which one — or which combination — makes the most sense for your money.

Capital One 360 Performance Savings Bonus

Up to $1,500 cash bonus

$1500

Capital One 360 Checking Bonus

$400 bonus after 2 direct deposits of $500+

$400

1. Capital One 360 Performance Savings Bonus — Up to $1,500

If you have a larger sum of cash sitting idle, the Capital One 360 Performance Savings Bonus is the clear top pick on this list. New customers who open a 360 Performance Savings account with promo code BONUS1500 can earn a tiered bonus based on how much they deposit from external sources within the first 15 days of account opening (the "Initial Funding Period").

• $300 bonus for depositing $20,000+
• $750 bonus for depositing $50,000+
• $1,500 bonus for depositing $100,000+

After hitting your tier, you'll need to maintain that deposit amount for 90 days following the 15-day funding period. Funds must come from an external source — transfers between existing Capital One accounts don't count. If your balance drops to a lower tier during the hold period, your bonus adjusts down to match; drop below $20,000 and you forfeit the bonus entirely.

Pros: No monthly fees, no minimum balance requirement to open, and the payout scales with larger deposits — making this a strong option for anyone parking emergency funds, a home sale windfall, or an inheritance.

Cons: You need at least $20,000 to earn anything, and you're ineligible if you've held a 360 Performance Savings, 360 Savings, 360 Money Market, Savings Now, or Confidence Savings account as a primary or secondary holder on or after January 1, 2022.

See full details on the Capital One 360 Performance Savings Bonus offer page.

2. Capital One 360 Checking Bonus — $400

For readers who don't have $20,000+ to deposit but want a faster, more accessible bonus, the Capital One 360 Checking Bonus is the better fit. Open a new 360 Checking account with promo code FLASH400 and receive at least 2 qualifying direct deposits of $500 or more within 75 days of account opening to earn a $400 cash bonus.

• Qualifying direct deposits must be regular periodic payments (like salary, pension, or government payments) sent via ACH or Real-Time Payment from an employer or outside entity — not from an entity affiliated with Capital One
• Wire transfers and internal transfers do not count as qualifying deposits
• No monthly account fee and no minimum balance requirement

Pros: Much lower barrier to entry than the savings bonus — you just need two direct deposits of $500+, not a large lump-sum deposit. This makes it ideal for anyone switching their primary checking account.

Cons: You're not eligible if you've had a 360 Checking, Simply Checking, or Total Control Checking account as a primary or secondary holder on or after January 1, 2024.

Check the current terms on the Capital One 360 Checking Bonus offer page.

How to Choose Between the Capital One 360 Bonuses

Both offers are legitimate ways to earn cash from Capital One, but they serve different financial situations. Here's how to decide:

• Have $20,000+ in cash to park? Go with the 360 Performance Savings Bonus and use promo code BONUS1500. The larger your deposit, the larger your payout — up to $1,500 at the $100,000+ tier.
• Just need a new checking account for direct deposit? The 360 Checking Bonus with promo code FLASH400 gets you $400 for two qualifying direct deposits within 75 days — no large deposit required.
• Want both? Since these are two different account types (checking vs. savings), you may be able to open both and earn both bonuses, as long as you meet each offer's new-customer eligibility rules and haven't held a similar account since the specified lookback dates.
• Read the fine print on external funds. Both offers require funds and direct deposits from external, non-Capital One sources — transfers between your own Capital One accounts won't trigger a bonus.
• Mind the hold periods. The savings bonus requires you to maintain your deposit for 90 days after the initial 15-day funding period. Withdrawing early can reduce or eliminate your payout.