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 Savings Bonus — Up to $1,500
Sign up for Capital One Savings Bonus and earn up to $1,500 in bonus rewards.
Bonus Tiers
| Deposit | Bonus |
|---|---|
| $20,000–$49,999.99 | $300 |
| $50,000–$99,999.99 | $750 |
| $100,000+ | $1,500 |
Hold Period
90 days following the 15-day Initial Funding Period
Qualifying Period
15 days from account opening (Initial Funding Period)
Payout
Within 60 days after completing 90-day hold period
Requirements
- ✓Open a new 360 Performance Savings account with promo code BONUS1500
- ✓Deposit $20,000+ from external sources within 15 days of account opening
- ✓Maintain the qualifying deposit amount for 90 days after the 15-day Initial Funding Period
Restrictions
- ⚠New customers only
- ⚠Cannot have 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, 2024
Fees
- $0 monthly account fee
- No minimum balance required
- Bonus amount is tiered based on deposit amount maintained during hold period
- If deposit amount drops into a lower tier during the 90-day hold, the lower tier bonus applies
- If deposit drops below $20,000, no bonus is earned
- Bonus is reported as interest on IRS Form 1099-INT
Last updated April 26, 2026
How to evaluate Capital One 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 (Initial Funding Period)
- Payout timeline
- Within 60 days after completing 90-day hold period
- Hold period
- 90 days following the 15-day Initial Funding Period
How to qualify
- Open a new 360 Performance Savings account with promo code BONUS1500
- Deposit $20,000+ from external sources within 15 days of account opening
- Maintain the qualifying deposit amount for 90 days after the 15-day Initial Funding Period
Common pitfalls
- New customers only
- Cannot have 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, 2024
- $0 monthly account fee
- No minimum balance required
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.
Requirement clarity
Credolix has extracted 3 requirements for this offer, so compare the bonus against the actual steps rather than the headline payout alone.
Frequently Asked Questions
How long do I have to qualify for Capital One Savings Bonus?
The qualifying period listed for Capital One Savings Bonus is 15 days from account opening (Initial Funding Period).
When does Capital One Savings Bonus pay out?
The payout timeline listed for Capital One Savings Bonus is Within 60 days after completing 90-day hold period.
How long do I need to keep funds or the account for Capital One Savings Bonus?
The hold period listed for Capital One Savings Bonus is 90 days following the 15-day Initial Funding Period.
