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.
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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 15-day initial funding period
Qualifying Period
15 days from account opening
Payout
Within 60 days after meeting all requirements
Requirements
- ✓Open account with promo code BONUS1500
- ✓Deposit $20,000 or more of new external funds within 15 days of account opening
- ✓Maintain deposit amount for 90 days following the 15-day initial funding period
- ✓Open a 360 Performance Savings account with promo code BONUS1500
- ✓Deposit external funds within 15 days of account opening
- ✓Maintain deposit for 90 days after the initial 15-day funding period
- ✓Use promo code BONUS1500
- ✓Deposit $20,000 or more of new external funds within 15 days of opening
- ✓Maintain the deposit amount for 90 days following the Initial Funding Period
- ✓Open 360 Performance Savings account with promo code BONUS1500
- ✓Deposit external funds within 15 days of opening
- ✓Maintain minimum deposit amount for 90 days after initial funding period
- ✓Deposit external funds within 15 days
- ✓Maintain required deposit amount for 90 days after initial funding period
- ✓Minimum $20,000 deposit to qualify for bonus
- ✓Open a new 360 Performance Savings account
- Deposit $20,000+ of external funds within 15 days of account opening
Restrictions
- ⚠New customers only
- ⚠Cannot have had a 360 Performance Savings, 360 Savings, 360 Money Market, Savings Now, or Confidence Savings account since January 1, 2022
- ⚠Cannot have held a 360 Performance Savings, 360 Savings, 360 Money Market, Savings Now, or Confidence Savings account on or after January 1, 2024
- ⚠One per account holder
- ⚠External funds only (transfers between Capital One accounts do not qualify)
- ⚠Account must be in good standing to receive bonus
- ⚠If previously held a 360 Performance Savings, 360 Savings, 360 Money Market, Savings Now or Confidence Savings account on or after January 1, 2024, you are ineligible
- ⚠Cannot have held 360 Performance Savings, 360 Savings, 360 Money Market, Savings Now, or Confidence Savings account on or after January 1, 2022
- ⚠Cannot have had a 360 Performance Savings, 360 Savings, 360 Money Market, Savings Now, or Confidence Savings account since January 1, 2024
- ⚠Account must be in good standing
- ⚠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
Fees
- $0 monthly fee
- $0 monthly account fee
- No minimum balance required
- $0 account fee
- $0 minimum balance requirement
- No monthly fees
- No minimum balance requirement
- Bonus amount determined by deposit tier maintained through hold period
- If balance drops below tier threshold, lower tier bonus applies
- Deposits between Capital One accounts do not qualify
- Bonus treated as interest and reported on IRS Form 1099-INT
- External funds only - transfers between Capital One accounts do not qualify
- Bonus amount depends on deposit tier
- Account must be in good standing when bonus is issued
- If account balance drops into a lower tier during the 90-day hold period, you receive the lower tier bonus
- If balance drops below $20,000, you forfeit the bonus
- Additional deposits made during the hold period do not qualify for higher tier bonus
- Bonus is considered interest and reported on IRS Form 1099-INT
- Cannot be combined with other 360 Performance Savings account opening offers
- Transfers between Capital One accounts do not qualify as external deposits
- If balance drops into a lower tier during 90-day hold, bonus reduced to that tier
- If balance drops below $20,000, no bonus earned
- Bonuses are treated as interest and reported on IRS Form 1099-INT
- External funds only; transfers between Capital One accounts do not qualify
- If balance drops into lower tier during 90-day hold, bonus reduced to that tier
- Balance below $20,000 forfeits entire bonus
- Bonuses are reported as interest on IRS form 1099-INT
- 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
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 October 12, 2026
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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
- 15 days from account opening
- Payout timeline
- Within 60 days after meeting all requirements
- Hold period
- 90 days after the 15-day initial funding period
How to qualify
- Open account with promo code BONUS1500
- Deposit $20,000 or more of new external funds within 15 days of account opening
- Maintain deposit amount for 90 days following the 15-day initial funding period
- Open a 360 Performance Savings account with promo code BONUS1500
Common pitfalls
- New customers only
- Cannot have had a 360 Performance Savings, 360 Savings, 360 Money Market, Savings Now, or Confidence Savings account since January 1, 2022
- Cannot have held a 360 Performance Savings, 360 Savings, 360 Money Market, Savings Now, or Confidence Savings account on or after January 1, 2024
- One per account holder
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.
