Uh-oh! This offer expired 1/9/2024.

Already opened an account with promo code FALL23? View terms below.

You can still boost your savings with one of our great savings products.

Saving made simple

Benefits that make it easy to focus on your goals.

No fees or minimums
With no pesky fees or minimums, more of your money stays yours.

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Bank anytime, from just about anywhere, with our top-rated mobile app.

Bank with confidence
Your money is fully insured up to the FDIC’s allowable limits.

Questions? Give us a buzz at 877-383-4802 to talk to a real person.
We’re here 7 days a week, 8 a.m. - 11 p.m. ET.

Capital One reserves the right to withdraw this offer, with or without notice, in its sole discretion if it is determined that fraud or any other factor beyond its control is impacting the integrity of the offer and campaign.

If you have or 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, 2021, you will be ineligible for the bonus. If your account is in default, closed or suspended, or otherwise not in good standing, you will not receive the bonus.

Certain deposit transactions initiated through the Capital One website to retrieve funds from your external account are subject to limits. If you are subject to these limits, in order to meet the offer requirements, you would need to initiate the deposit by another external method, such as mobile deposit or setting the initial deposit to send (rather than be retrieved from) from your external financial institution.

Here’s the full scoop on how to earn your bonus:

STEP 1—Open a 360 Performance Savings account between 12:00 a.m. ET on November 1, 2023, and 11:59 p.m. ET on January 9, 2024. When you open your account, ensure the promo code FALL23 is entered in the Promo Code box.

STEP 2—Initial Funding Period. Deposit a total of $20,000 or more (Deposit Amount) of new money from externally sourced funds (transfers between Capital One accounts will not qualify) within the first 15 days of account opening (Initial Funding Period).

STEP 3—Hold Period. You will earn a bonus once you’ve maintained the Deposit Amount of $20,000 or more for 90 days following the Initial Funding Period. The Initial Funding Period is defined as the first 15 days from account opening, and the 90-day Hold Period does not begin until after the full 15-day Initial Funding Period.

The amount of your bonus will be determined as follows:

  • $300 bonus—The new money deposited from an external bank during the Initial Funding Period was between $20,000-$49,999.99, and you maintained that Deposit Amount for 90 days following the Initial Funding Period.
  • $750 bonus—The new money deposited from an external bank during the Initial Funding Period was between $50,000-$99,999.99, and you maintained that Deposit Amount for 90 days following the Initial Funding Period.
  • $1,500 bonus—The new money deposited from an external bank during the Initial Funding Period was $100,000 or more, and you maintained that Deposit Amount for 90 days following the Initial Funding Period.

Capital One will deposit the bonus into your account within 60 days after you have completed all the requirements above, including fulfilling the 90-day holding period. If your account is in default, closed or suspended, or otherwise not in good standing, you will not receive the bonus. If at any time during the 90 days following the Initial Funding Period your Deposit Amount drops into a lower tier, you will be rewarded that tier's cash bonus. If your Deposit Amount decreases to an amount less than $20,000, you will not qualify for a cash bonus. This offer cannot be combined with any other 360 Performance Savings account opening offers. Only one promotional code is accepted per account. Bonus is only valid for one new 360 Performance Savings account. Bonuses are considered interest and will be reported on IRS form 1099-INT.

When will I get my bonus?

Capital One will deposit the bonus into your account within 60 days after you have completed all the requirements, as follows:

Step 1 Step 2 Step 3 Bonus Pay Out
Open account Initial funding period (15 days) Hold period (90 days) Within 60 days of completing qualifying activities and their associated timeframes

Keep in mind that the 90-day Hold Period (Step 3) does not start until after the full 15-day Initial Funding Period (Step 2).

What is considered externally sourced funds?

Capital One considers externally sourced funds as any funds that are deposited into your account from a source that is not affiliated with Capital One, such as another financial institution, Zelle, or Venmo.

What you need to know about the 360 Performance Savings account

360 Performance Savings accounts don’t have ATM or debit cards, or check-writing capabilities. There's no monthly cycle service charge for this account, and no minimum balance required to open or maintain the account. Our savings and money market accounts permit no more than six (6) transfers per statement cycle to a third party or to any of your other deposit accounts at Capital One. There is no limit in the number of transfers that you may make into your account. Note: We are currently not enforcing the transfer limits. You'll be notified if we choose to re-impose these limits. This account is a consumer-only product. If you have an Individual Taxpayer Identification Number (ITIN), you cannot open an account online. You may open an account in a Capital One location using your ITIN if you're a U.S. person for tax purposes and can complete an IRS Form W-9.

A rate of NaN Annual Percentage Yield (APY) applies to all account balances. Advertised rates are variable and effective as of 4/22/2024. Rates are subject to change at any time before or after account opening.

To calculate interest, we apply a daily periodic rate to the principal in the account each day.

The rate of our 360 Performance Savings account is high-yield and one of the best in America based on Informa Research services national percentile data for savings accounts on balances of $1.

The Capital One Mobile app has a 4.8/5-star customer rating on the App Store and is in the top 10% in the Finance App category as of 12/21/2023.

The Capital One Mobile app has a 4.6/5-star customer rating on Google Play and is in the top 10% in the Finance App category as of 12/21/2023.

Web access is needed to use mobile banking. Check with your service provider for details on specific fees and charges. Routine or unscheduled maintenance may impact accessibility.

Important Information from Capital One

Capital One does not provide, endorse or guarantee any third-party product, service, information or recommendation listed above. The third parties listed are not affiliated with Capital One and are solely responsible for their products and services. All trademarks are the property of their respective owners.

Products and services are offered by Capital One, N.A., Member FDIC.

© 2024 Capital One. Capital One is a federally registered service mark. 15000 Capital One Drive, Attn.: 12038-0111, Richmond, Virginia 23238. To contact us by mail, please use the following address: Capital One, P.O. Box 360, Wilmington, DE 19899.