What makes this bank offer different
This is a bank-bonus fit for users who can satisfy a deposit rule quickly; the key comparison point is whether the required deposit type matches your normal cash flow.
Bank
Capital One Performance Savings Bonus — Up to $1,500 + $25
Apply to Capital One Performance Savings Bonus and earn up to $1,525 in combined sign-up and referral bonuses.
Bonus Tiers
| Deposit | Bonus |
|---|---|
| $20,000 | $300 |
| $50,000 | $750 |
| $100,000 | $1,500 |
Hold Period
90 days after the initial 15-day funding period
Qualifying Period
Deposit must be completed within 15 days of account opening
Payout
Within 60 days after meeting all requirements including the 90-day hold period
Requirements
- ✓Open a new 360 Performance Savings account
- ✓Use promo code BONUS1500
- ✓Deposit $20,000+ of external funds within 15 days of account opening
- ✓Maintain the deposit amount in the account for 90 days following the 15-day funding period
- ✓Account must be in good standing
- ✓Open 360 Checking account with promo code FLASH400
- ✓Set up and receive at least 2 qualifying direct deposits of $500 or more each within 75 days of account opening
- ✓Open a 360 Checking account with promo code OFFER300
- ✓Set up and receive at least 2 Qualifying Direct Deposits each of $500 or more within 75 days of account opening
Restrictions
- ⚠New customers only
- ⚠Ineligible if you've held a 360 Performance Savings, 360 Savings, 360 Money Market, Savings Now, or Confidence Savings account on or after January 1, 2022
- ⚠External funds only — transfers between Capital One accounts do not qualify
- ⚠One bonus per new account
- ⚠New customers only (no open 360 Checking, Simply Checking, or Total Control Checking since January 1, 2024)
- ⚠Limited-time offer, can be removed at any time at Capital One's sole discretion
- ⚠If you have or had an open 360 Checking, Simply Checking, Total Control Checking, or Money Teen Checking account as a primary or secondary account holder with Capital One on or after January 1, 2022, you are ineligible
Fees
- $0 monthly fee
- $0 monthly account fee
- No minimum balance requirement
- Bonus amount depends on deposit tier: $300 ($20k-$49,999.99), $750 ($50k-$99,999.99), or $1,500 ($100k+)
- If deposit amount drops during the 90-day hold period, bonus downgrades to lower tier
- Bonuses are considered interest and reported on IRS Form 1099-INT
- Cannot be combined with other 360 Performance Savings opening offers
- Only one promo code accepted per account
- Account must not be in default, closed, suspended, or otherwise in poor standing to receive bonus
- Wire transfers, ACH credits, and funds transfers initiated using Capital One's website or mobile app are not considered Qualifying Direct Deposits
- Account must be open and in good standing at time bonus is deposited
- Bonus will be treated as income and reported to IRS
- Bonus is taxable income, reported as interest to the IRS
- Wire transfers, ACH credits, and fund transfers initiated via Capital One's website or mobile app do not count as qualifying direct deposits
- Account must be in good standing to receive bonus
Total potential bonus
$1,525
Additional Referral Bonus (how it works)
$25
Your 50% share of $50 paid directly by the referrer
View Referral Terms →$1,500 (sign-up) + $25 (referral) = $1,525 total
Last updated May 15, 2026
How to evaluate Capital One Performance Savings Bonus
Before opening this account, compare the bonus against direct deposit rules, monthly fees, minimum balance requirements, and any clawback period after payout.
Qualification checklist
Timing
- Qualifying period
- Deposit must be completed within 15 days of account opening
- Payout timeline
- Within 60 days after meeting all requirements including the 90-day hold period
- Hold period
- 90 days after the initial 15-day funding period
How to qualify
- Open a new 360 Performance Savings account
- Use promo code BONUS1500
- Deposit $20,000+ of external funds within 15 days of account opening
- Maintain the deposit amount in the account for 90 days following the 15-day funding period
Common pitfalls
- New customers only
- Ineligible if you've held a 360 Performance Savings, 360 Savings, 360 Money Market, Savings Now, or Confidence Savings account on or after January 1, 2022
- External funds only — transfers between Capital One accounts do not qualify
- One bonus per new account
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $2,250 median, so the requirements and any referral or portal stack matter more.
Stacking potential
The tracked value can include $1,500 sign-up bonus, $25 referral share for a total displayed potential of $1,525. Confirm which apply path you use before assuming every component stacks.
Requirement clarity
Credolix has extracted 4 requirements for this offer, so compare the bonus against the actual steps rather than the headline payout alone.
Frequently Asked Questions
Can Capital One Performance Savings Bonus stack with a referral?
Credolix tracks a referral path for this offer. The displayed user share is $25 based on 50% of the listed referral payout.
How long do I have to qualify for Capital One Performance Savings Bonus?
The qualifying period listed for Capital One Performance Savings Bonus is Deposit must be completed within 15 days of account opening.
When does Capital One Performance Savings Bonus pay out?
The payout timeline listed for Capital One Performance Savings Bonus is Within 60 days after meeting all requirements including the 90-day hold period.
How long do I need to keep funds or the account for Capital One Performance Savings Bonus?
The hold period listed for Capital One Performance Savings Bonus is 90 days after the initial 15-day funding period.
