Capital One $300–$1,500 Savings Bonus (7.8% 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
- $300 for a $20,000+ deposit
- $750 for a $50,000+ deposit
- $1,500 for a $100,000+ deposit
- Enter promo code BONUS1500 when you apply
- Availability: Nationwide
- No stated lifetime limit
- Monthly fee: $0
- No early-closure rule listed
- Funding window: 15 days
- Maintenance/hold period: 90 days
- Total practical hold: ~115 days
Bonus Tiers & Effective APY
Overview
Capital One currently offers up to $1,500 through its savings promotion. The headline tier requires $100,000 and keeps the funds committed for roughly 115 days. That is approximately 4.8% annualized before tax and opportunity-cost adjustments.
Pros
Cons
Notes
Fund the account inside the 15-day window, target the tier you can maintain comfortably, and keep the qualifying balance in place for the full 90-day maintenance period. Avoid moving the money until the reward posts.
How This Compares to Other Bonuses
Capital One's $1,500 headline payout is closest to BMO Business's $1,500 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 promotion?
Capital One currently offers up to $1,500. The headline requirement is $100,000 deposit held for about 105 days.
How much money is required for the Capital One bonus?
The highest advertised payout currently requires $100,000. Lower tiers may require less; review the tier table on this page.
How long is the money committed?
Plan on approximately 115 days including funding, maintenance, settlement, and a practical payout buffer.
Related Bonus Reviews
Eligibility
New 360 Performance Savings customers only. External funds required. Ineligible if you held eligible Capital One savings accounts on or after Jan 1, 2024. Use promo code BONUS1500.
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 (2)
We last checked this against the bank's page on September 26, 2026.
Historical Promotions
The current $1,500 is the highest we've tracked since November 2023.
More Capital One 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.