Capital One Business $500 Business Savings Bonus (36.5% Effective APY) - 2026 Review
Affiliate disclosure: Fat Stacks Academy may earn a commission if you open an account through this link, at no additional cost to you.
Bonus Tiers & Effective APY
Overview
Capital One Business currently offers up to $500 through its business savings promotion. The headline tier requires $5,000 and keeps the funds committed for roughly 100 days. That is approximately 36.5% annualized before tax and opportunity-cost adjustments.
Who This Savings Bonus Is Best For
People with $5,000 of genuinely idle cash who can leave it committed for roughly 100 days without sacrificing a better use for the funds.
How to Maximize This Bonus
Complete 10 electronic transactions within 90 days and keep the account in good standing until the reward posts. Confirm that purchases or transactions are eligible before relying on them.
Pros
Cons
How This Compares to Other Bonuses
Capital One Business's $500 headline payout is closest to First Hawaiian Bank Business's $500 offer. Compare the required capital, holding time, account fees, and base interest, not only the bonus.
Frequently Asked Questions
What is the current Capital One Business promotion?
Capital One Business currently offers up to $500. The headline requirement is 10 electronic transactions within 90 days.
How much money is required for the Capital One Business bonus?
The highest advertised payout currently requires $5,000. Lower tiers may require less; review the tier table on this page.
How long is the money committed?
Plan on approximately 100 days including funding, maintenance, settlement, and a practical payout buffer.
Eligibility
Basic Business Checking, promo SBOFFER500 (enter during online application). Deposit $5,000 from an external source within 30 days, maintain $5,000 for at least 60 of the first 90 days, plus 10 qualifying electronic transactions within 90 days. New customers only. You are ineligible if you are a signer on a Capital One Business checking account opened after Jan 1, 2025, and it is one account per business. Online applications only (in-branch ineligible). $15/mo Basic fee waived with $2,000 min balance (so waived while holding the $5k); Enhanced tier $35/mo waived at $25k. Bonus posts 60 to 90 days after requirements met.
Fees
Apply
Open Account →Affiliate disclosure: Fat Stacks Academy may earn a commission if you open an account through this link, at no additional cost to you.
Sources (1)
We last checked this against the bank's page on August 18, 2026.
Historical Promotions
The current $500 is the highest we've tracked since February 2026.
More Capital One Business offers we track
Add this offer directly to your dashboard so you can track its requirements, deadline, and payout.
Stacks OS also tells you which bonus to do next for YOUR paycheck.
What actually counts as a direct deposit at 53 banks. Fidelity, Schwab, ACH pushes, all in one printable table, verified.
Comments (0)
Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.