Capital One Checking and Savings Bonuses of May 2026

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

If you’re looking for an all-in-one account instead, SoFi Checking and Savings is worth a look, it comes with a sign-up bonus and no monthly fees.

Bonus spotlight

If you’re still in the market for an account, check out Finder rewards for more opportunities.

Capital One’s best bonus offer

Cap One’s 360 Checking $300 and $250 bonus are pretty solid, and its requirements to earn the bonus are notably easier than other top account bonus offers. The CHECKING250 and OFFER300 promo codes were 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 Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more) OR $400 (with at least $5,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more). Cash bonus amount will be based on the total amount of Eligible Direct Deposit received within 25 calendar days of your first Eligible Direct Deposit of $1 or more. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 5/15/2026 and will be available through 12/31/26. See full bonus and annual percentage yield (APY) terms at sofi.com/banking/checking-offer/
  
  Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 5/28/26. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet
  
  We do not charge any account, service, or maintenance fees for SoFi Checking and Savings. We do charge transaction fees for outgoing wire transfers, Instant Transfers, and global remittance transfers. Our fee policy is subject to change at any time. See the SoFi Bank 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 may be incurred when using out-of-network ATMs. 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.
  
  Overdraft Coverage is a feature automatically offered to SoFi Checking and Savings account holders who receive at least $1,000 or more in Eligible Direct Deposits within a rolling 31 calendar day period on a recurring basis. Eligible Direct Deposit is defined on the SoFi Bank Rate Sheet, available at https://www.sofi.com/legal/banking-rate-sheet. Members enrolled in Overdraft Coverage may be covered for up to $50 in negative balances on SoFi Bank debit card purchases only. Overdraft Coverage does not apply to P2P transfers, bill payments, checks, or other non-debit card transactions. Members with a prior history of unpaid negative balances are not eligible for Overdraft Coverage. Eligibility for Overdraft Coverage is determined by SoFi Bank in its sole discretion. Members can check their enrollment status, if eligible, at any time by logging into their account through the SoFi app or on the SoFi website.
  
  Earn up to 3.80% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.10% APY) for up to 6 months. Open a new SoFi Checking & Savings account with Eligible Direct Deposit by 12/31/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.

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.

• How do I get the $300 Capital One bonus?

  To get the $300 bonus without the offer email, you will have to enter the code OFFER300. When signing up for the 360 Checking account without the offer email, your field will autofill with "OFFER250." Simply replace the code, and if you complete the requirements required to earn the $300 within 75 days, the bonus should be delivered.

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

Bethany's expertise

Bethany has written 450 Finder guides across topics including:

• Personal finance
• Banking
• Auto loans
• Insurance
• Cryptocurrency and NFTs