Capital One Checking and Savings Bonuses of April 2025

Capital One is a popular bank that primarily operates online. It’s known for low-cost checking and savings accounts, no foreign transaction fees and award-winning customer service recognized by J.D. Power.

Cap One frequently offers bonuses for new customers, most of which are signup bonuses for spending a certain amount with one of its credit cards. It also offers a checking and savings bonus, but you’ll need to meet some deposit requirements to earn those.

All Capital One bonuses at a glance

Capital One’s best bonus offer

Cap One’s 360 Checking $250 bonus is pretty solid, and its requirements to earn the bonus are notably easier than other top account bonus offers. The CHECKING250 promo code was easy to find, and the direct deposit requirements are simple enough. Additionally, the account itself has no monthly fees, opening deposit requirements or foreign transaction fees.

Its credit card bonuses are pretty great, too, only requiring you to spend a certain amount on purchases within a few months. And it’s worth calling out that Cap One also offers bonuses for its student credit cards, which isn’t as common among other institutions.

Cap One annual travel credit bonuses

If you’re the account holder of a Capital One Venture X credit card, you also get bonus travel credits on the anniversary of account opening.

Annually, Venture X primary account holders will get a $300 travel credit that can be used through Captial One Travel, and the credit expires on your next anniversary. You can use the credit for one purchase or spread it across multiple (those rewards won’t be earned with purchases using the travel credits).

To be eligible for these anniversary bonuses, you must have an open Venture X credit card account and the account must be in good standing.

What does Cap One consider a qualifying direct deposit?

One of the requirements to earn the 360 Checking $250 bonus offer involves receiving two direct deposits of at least $500 each within 75 days of opening.

Capital One considers a qualifying direct deposit as a regular payment, such as salary, pension, government payments or other monthly income that’s paid through ACH or Real-Time Payment network credit.

Compare more bank account bonuses

Capital One offers checking, savings and credit card bonuses pretty frequently. But don’t just open an account for the bonus cash — first, make sure the account is good.

Compare more bank account bonus offers.

• SoFi terms and conditions

  New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. See full bonus and annual percentage yield (APY) terms at sofi.com/banking#1.
  
  SoFi members who enroll in SoFi Plus with Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Only SoFi Plus members are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus.
  
  We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Checking & Savings Fee Sheet for details at sofi.com/legal/banking-fees/.
  
  SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at SoFi.com/banking/fdic/sidpterms. See list of participating banks at SoFi.com/banking/fdic/participatingbanks.
  
  We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees incurred when using out-of-network ATMs are not subject to reimbursement. SoFi’s ATM policies are subject to change at our discretion at any time.
  
  Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled
  payment date, but may vary.

Frequently asked questions

What is the $1,000 bonus offer from Capital One?

Capital One doesn’t have a $1,000 bonus cash offer at the time of writing. However, the Capital One Venture and Venture X card bonus offers up to 75,000 in bonus miles after spending a certain amount, which may equate to $1,000 depending on how you redeem the travel miles.

Capital One is also known to offer up to $1,500 in bonus cash for its Performance Savings account, but that requires depositing $100,000 and holding that balance for 90 days to earn.

Are there banks with immediate signup bonuses?

For the most part, bank account bonuses aren’t paid out immediately. This delay exists because most bonus offers have requirements you must meet first, such as setting up direct deposit, making a certain number of purchases or depositing a lump sum of cash.

Once the requirements are met, the bonuses may be paid out immediately, or you may be paid over a few months. Be sure to read the fine print of any bank account bonus offers to know when the bonus will be delivered and exactly what you need to do to earn it.

To make sure you get accurate and helpful information, this guide has been edited by Holly Jennings as part of our fact-checking process.

Written by

Bethany Hickey

Banking editor

Bethany Hickey is the banking editor and personal finance expert at Finder, specializing in banking, lending, insurance, and crypto. Bethany’s expertise in personal finance has garnered recognition from esteemed media outlets, such as Nasdaq, MSN, Yahoo Finance, GOBankingRates, SuperMoney, AOL and Newsweek. Her articles offer practical financial strategies to Americans, empowering them to make decisions that meet their financial goals. Her past work includes articles on generational spending and saving habits, lending, budgeting and managing debt. Before joining Finder, she was a content manager where she wrote hundreds of articles and news pieces on auto financing and credit repair for CarsDirect, Auto Credit Express and The Car Connection, among others. Bethany holds a BA in English from the University of Michigan-Flint, and was poetry editor for the university’s Qua Literary and Fine Arts Magazine. See full bio

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