You can refer your friends and family to Capital One by sending them a referral link:

  1. Sign in to
  2. Click on any of your open Capital One direct accounts.
  3. Click “Account Services & Settings.”
  4. Click “Refer A Friend.”

Once you have reached the Refer A Friend page, you will create a personalized link to copy and send to your friend. Your friend will click on that link to reach a landing page with more information about our products and the bonus.

Please Note: For full details on the requirements for the Refer A Friend bonus, please refer to the “How It Works” section of the Refer A Friend page. Refer a Friend is only available for customers who have existing 360 Checking, 360 Savings, 360 Money Market or 360 Performance Savings accounts. Must be 13 or older.