Capital One savings $1,500 Bonus

Requirements

• Must open with promo code BONUS1500 — the bonus does not apply without it, and it cannot be combined with any other 360 Performance Savings opening offer
• Anti-churn: ineligible if you have or had a 360 Performance Savings, 360 Savings, 360 Money Market, Savings Now or Confidence Savings account (primary OR secondary holder) on or after January 1, 2024
• Deposit must be new money from an external bank — transfers between Capital One accounts do not qualify
• "Externally sourced" is defined by a Jan. 1, 2025 affiliation cutoff — funds from an institution already affiliated with Capital One before that date do not count
• Practical: Capital One's own pull-from-external-bank transfers are capped — you may need to PUSH the funds from the other bank (or mobile-deposit) to hit $20,000+ inside the 15-day window
• $300 tier: deposit $20,000–$49,999.99 in the 15-day funding window, then hold a balance in that range for 90 days after it ends
• $750 tier: deposit $50,000–$99,999.99 in the 15-day funding window, then hold a balance in that range for 90 days after it ends
• $1,500 tier: deposit $100,000+ in the 15-day funding window, then hold a balance in that range for 90 days after it ends
• Your tier can only go DOWN: a dip into a lower tier pays that lower bonus, dropping under $20,000 pays nothing, and adding money during the hold cannot upgrade you
• Hold the balance until 11:59 pm ET on the 90th day and keep the account open and in good standing until the bonus posts (up to 60 days later) — no monthly service charge and no minimum balance to maintain

Cash you need to float: $20,000

Timeline

1. Fund the account within 15 days of opening.
2. Maintain the qualifying balance/activity for 90 days.

Bonus tiers

• $300 — $20,000–$49,999.99 deposited in 15 days, held 90 days: park $20,000, hold 90 days
• $750 — $50,000–$99,999.99 deposited in 15 days, held 90 days: park $50,000, hold 90 days
• $1,500 — $100,000+ deposited in 15 days, held 90 days: park $100,000, hold 90 days

Closing the account (what we verified)

• Bonus typically posts within 60 days of completing requirements.
• Minimum balance to close: $0.
• Monthly fee: $0.

More Capital One bonuses

• Capital One checking $500 bonus
• Capital One checking $300 bonus