Capital One
Capital One 360 Performance Savings $75 – $1,500 Bonus
Capital One pays $75, $300, $750 or $1,500 when you open a new 360 Performance Savings account with promo code EARN1500, deposit $5,000, $20,000, $50,000 or $100,000 of new money within 15 days, and hold it for 90 days after that. The account has no monthly fee and pays 3.20% APY (as of 11/1/2026).
- Bonus range
- $75 – $1,500
- Expires
- Not listed
- Time to complete
- ~105 days
- Paid after opening
- ~165 days
- Difficulty
- Easy
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Requirements
Last verified: Nov 7, 2026
$75 Tier
Open with code EARN1500
Open a new 360 Performance Savings account using promo code EARN1500. You are not eligible if you have or had a 360 Performance Savings, 360 Savings, 360 Money Market, Savings Now or Confidence Savings account on or after January 1, 2024.
Deposit $5,000+ new money in 15 days
Deposit $5,000 to $19,999.99 of new money from an outside bank within the first 15 days after opening. Transfers between Capital One accounts do not count.
Hold for 90 days
Keep at least $5,000 in the account for 90 days after the 15-day funding period ends. If the balance drops into a lower tier, you get that tier's bonus instead.
$300 Tier
Open with code EARN1500
Open a new 360 Performance Savings account using promo code EARN1500. You are not eligible if you have or had a 360 Performance Savings, 360 Savings, 360 Money Market, Savings Now or Confidence Savings account on or after January 1, 2024.
Deposit $20,000+ new money in 15 days
Deposit $20,000 to $49,999.99 of new money from an outside bank within the first 15 days after opening. Transfers between Capital One accounts do not count.
Hold for 90 days
Keep at least $20,000 in the account for 90 days after the 15-day funding period ends. If the balance drops into a lower tier, you get that tier's bonus instead.
$750 Tier
Open with code EARN1500
Open a new 360 Performance Savings account using promo code EARN1500. You are not eligible if you have or had a 360 Performance Savings, 360 Savings, 360 Money Market, Savings Now or Confidence Savings account on or after January 1, 2024.
Deposit $50,000+ new money in 15 days
Deposit $50,000 to $99,999.99 of new money from an outside bank within the first 15 days after opening. Transfers between Capital One accounts do not count.
Hold for 90 days
Keep at least $50,000 in the account for 90 days after the 15-day funding period ends. If the balance drops into a lower tier, you get that tier's bonus instead.
$1,500 Tier
Open with code EARN1500
Open a new 360 Performance Savings account using promo code EARN1500. You are not eligible if you have or had a 360 Performance Savings, 360 Savings, 360 Money Market, Savings Now or Confidence Savings account on or after January 1, 2024.
Deposit $100,000+ new money in 15 days
Deposit $100,000 or more of new money from an outside bank within the first 15 days after opening. Transfers between Capital One accounts do not count.
Hold for 90 days
Keep at least $100,000 in the account for 90 days after the 15-day funding period ends. If the balance drops into a lower tier, you get that tier's bonus instead.
Capital One deposits the bonus into the account within 60 days after the 90-day hold period ends.
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Account Details
Fund the account within the first 15 days, then hold the balance for 90 days after that 15-day funding period ends.
Eligibility
Not eligible if you have or had an open 360 Performance Savings, 360 Savings, 360 Money Market, Savings Now or Confidence Savings account (primary or secondary) with Capital One on or after January 1, 2024.
- Enter promo code EARN1500 when you open the account.
- Only externally sourced new money counts. Transfers between Capital One accounts do not qualify.
Tips & Gotchas
- All four bonus tiers use the same promo code, EARN1500. Your tier is set by how much new money you deposit in the first 15 days.
- Deposits made after the 15-day funding period do not move you up a tier.
- Only money from an outside bank counts. If Capital One's pull transfer hits a limit, push the money from your other bank or use mobile deposit.
- Not eligible if you have had any Capital One 360 savings or money market account since January 1, 2024.
- No direct deposit or debit card needed. This is a savings bonus.
Direct Deposit Data Points 316
316 community reports across 48 transfer sources, showing what triggers a qualifying direct deposit at Capital One.
How long until the bonus posts? The most recent community reports average about 75 days. See 223 reports on Capital One Checking payout timelines
Can You Earn This Bonus Again?
Fine Print
Open a 360 Performance Savings account on or after April 15, 2026 with promo code EARN1500. Deposit a total of $5,000 or more of new money from externally sourced funds within the first 15 days (Initial Funding Period); transfers between Capital One accounts do not qualify. Maintain the balance for 90 days following the Initial Funding Period. Bonus by tier: $75 for $5,000-$19,999.99, $300 for $20,000-$49,999.99, $750 for $50,000-$99,999.99, $1,500 for $100,000 or more. If the balance drops into a lower tier you receive that tier; below $5,000 no bonus. Bonus deposited within 60 days after completing all requirements. Not eligible if you have or had a 360 Performance Savings, 360 Savings, 360 Money Market, Savings Now or Confidence Savings account on or after Jan. 1, 2024. Capital One may end or change the offer before you accept it.
Taxable income · Reported on 1099-INT
Related Articles
What Counts as a Direct Deposit for Capital One Bonuses?
Based on 542 community-reported data points as of November 2026, Capital One 360 Checking accepts employer payroll, government benefits, and ACH pushes from Chase, Fidelity Cash Management, Schwab brokerage, and Ally as qualifying direct deposits. Failures are uncommon, but a few 2026 pushes from SoFi, Schwab, and smaller brokerages coded as transfers. The $300 offer (code OFFER300) needs two $500+ direct deposits within 75 days. A separate $250 offer (code DEBIT250) skips direct deposit and asks for 20 debit card purchases of $10 or more instead.
What is a high-yield savings account (HYSA)?
A savings account that pays a significantly higher interest rate than a standard savings account.
What is a hold period?
The minimum time you must keep your balance in an account before the bonus is paid out.
Also see: this month's best bank bonuses and community DD data points.
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