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Earn 5X the national average savings rate

Plus, some extra cash, just for you.

Earn 5X the national average savings rate

Plus, some extra cash, just for you.

It's 2020. Don't settle. Open a 360 Performance Savings™ account to earn up to a $500 bonus.

Get the savings perks you deserve with an account that earns Annual Percentage Yield (APY) on any balance. For a limited time, you can earn a cash bonus, too. Here’s what that could look like for you and your money:

Balance Interest with  APY Cash Bonus Potential Payout in a Year
$10,000 *10000 $100 *10000+100
$20,000 *20000 $200 *20000+200
$30,000 *30000 $300 *30000+300
$40,000 *40000 $400 *40000+400
$50,000 *50000 $500 *50000+500


For illustrative purposes only. Bonus payout is based on offer requirements met. Current rate is subject to change at any time and actual earnings will vary based on current APY and deposit balances for 12 months.

Open an account in about 5 minutes using promo code NEW500.

Open Account

Here’s how to earn your bonus:

Feel-good banking

With 360 Performance Savings,
you and your money come first.


No Monthly Fees
You won’t pay any fees. Period.

No Minimum Balance
Earn APY on any balance.

FDIC Insurance
You’re covered up to the allowable limits.

Questions? Call us at 1-800-289-1992 to talk to a real person. We're here 7 days a week, 8 a.m.–11 p.m. ET.

Here's the scoop on how to earn your bonus:

  1. Open a 360 Performance Savings account between 12:00 a.m. ET on January 13, 2020 and 11:59 p.m. ET on March 31, 2020. When you open your account, enter your promotional code—NEW500. If you have or had an open savings and/or money market account, excluding CDs, as a primary or secondary holder with Capital One on or after January 1, 2016, you're ineligible for the bonus. This account is subject to approval.

  2. Deposit a total of $10,000-$50,000 or more of new money from an external bank (transfers between Capital One accounts will not qualify) within the first 10 days of account opening (Initial Funding Period). You will earn a bonus once you’ve maintained a daily balance of $10,000 or more for 90 days following the Initial Funding Period. Your bonus will be calculated as follows: an account with a daily balance between $10,000-$19,999.99 will earn $100; $20,000-$29,999.99 will earn $200; $30,000-$39,999.99 will earn $300, $40,000-$49,999.99 will earn $400; balances of $50,000 or more will earn $500. If at any time during the 90 days following the Initial Funding Period your daily balances drop into a lower balance tier, you will be rewarded that tier's cash bonus. If your daily balance decreases to an amount less than $10,000, you will not qualify for a cash bonus.

  3. This offer cannot be combined with any other Capital One 360 new savings account opening offer, including savings accounts opened through Refer A Friend. Only one promotional code is accepted. Bonus is only valid for one account.

Capital One will deposit the bonus into your account within 60 days after you have completed all the requirements above. If your account is in default, closed or suspended, or otherwise not in good standing, you will not receive the bonus.

What you need to know about the 360 Performance Savings account:
A rate of Annual Percentage Yield (APY) applies to all account balances. Advertised rates are variable and effective as of . 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.

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. Accounts are subject to statement cycle transaction 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.

The rate of our 360 Performance Savings account is 5X the national average based on the FDIC's published National Rate for all savings account balances. Although the information has been obtained from various institutions, the accuracy cannot be guaranteed.

Please see www.fdic.gov for additional information.

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. Mobile deposits are available only in the U.S. and U.S. territories.

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 offered by Capital One, N.A., Member FDIC.

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