How long does it take to receive a new account bonus?

You will receive the Capital One bonus within 60 business days of fulfilling the requirements.

Can existing customers qualify for these Capital One promotions?

No, the promotion is only for new customers.

What happens if I close my account early?

You will be ineligible for the bonus.

Are there any taxes on bank bonuses?

Bank bonuses are considered taxable income. Capital One will issue a 1099-INT if interest is over $10.

Advertiser Disclosure

Current Capital One Bonus Offers and Promotions

September 2, 2025

5 min Read

Written by Rudri Patel

Edited by Elizabeth Constantineau

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GOBankingRates' editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our products and services review methodology.

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Banks want your business, and they’re willing to pay you money just for opening an account. Like other banks, Capital One offers promotions to attract new customers. Here’s what Capital One is offering this month.

Current Capital One Bonus Offers: September 2025

Capital One’s 360 Checking Account was named GOBankingRates’ Best Checking Account of 2025 — and it comes with a bonus when you open an account.

Account Type	Bonus Amount	Expiration Date
360 Checking	$250	None stated on website

Capital One Checking Account Bonus: Up to $250

Capital One’s 360 Checking account has no monthly service fees and is one of the rare checking accounts that allows you to earn interest. You can currently earn *. You may also be eligible for a bonus if you open a new account:

Bonus value: $250
Minimum deposit: $1,000
Expiration date: Not listed on site
How to claim: Open a new checking account using the promo code CHECKING250. Set up and receive at least two direct deposits of $500 within 75 days of opening the account.
When you’ll get it: Within 60 business days after you meet the requirements.
Terms and conditions: New customers only. Your account must also be in good standing to get the bonus.
Fees: No monthly service fees

Claim your new bonus by opening a 360 Checking Account.

How To Qualify for a Capital One New Account Bonus

It is easy to qualify for a new account bonus at Capital One. Just follow these steps:

Visit the Capital One promotions page to find active new account bonuses. For the current checking account bonus, enter the online promo code CHECKING250.
Apply online or in person at one of the cafes. If applying online, make sure you use the link from the promotional page.
Fund the account by depositing the correct amount within the timeframe required.
Maintain the required balance on the account for the minimum threshold required by the bonus offer.
Set up direct deposit — if the bonus offer requires this option.

How To Avoid Missing Out on Your Capital One Bonus

Capital One bonuses may be denied for a few common reasons:

You didn’t use the promo link to open your account.

You missed the deposit deadline.

You didn’t maintain the required account balance.

You closed the account too early.

Double-check the terms before signing up to make sure you meet all the requirements.

Comparing Capital One Offers to Competitor Promotions

Capital One is offering $250 — but how does that compare to other bank bonuses? Here’s how it stacks up.

Bank	Account	Bonus Amount	Minimum Deposit Requirement
Capital One	360 Checking	$250	$1,000
FirstBank	Bloom Package	$300	$500
Huntington Bank	Perks Checking	$400	$500
Wells Fargo	Everyday Checking	$325	$1,000

Make the Most of Your Capital One Bonus

Want to make sure you earn the full Capital One bonus and avoid any surprises? Here are a few tips to help you get the most from your offer.

Look at what Capital Bank offers at the end of each quarter or during the holiday season.
Maintain required minimum balances to keep the bonus.
Don’t close your account too early, or you likely won’t get to keep your bonus.
Set up eligible direct deposits so you fund the account properly.

Conclusion

Capital One’s no fees can add up to big savings over time. You’ll also get better-than-average rates on interest-earning accounts, and that interest can really add up, depending on account usage and payment behavior.

Earning Capital One bonuses is great, but it shouldn’t be the only reason you choose a bank. Ultimately, the bank should offer the products and services you need to meet your financial goals.

Capital One Bonus Offers: FAQ

The basic idea of a Capital One promotion is enticing. But it's natural to have questions about the promotional offers. Below are some answers to commonly asked questions:

How long does it take to receive a new account bonus?
- You will receive the Capital One bonus within 60 business days of fulfilling the requirements.
Can existing customers qualify for these Capital One promotions?
- No, the promotion is only for new customers.
What happens if I close my account early?
- You will be ineligible for the bonus.
Are there any taxes on bank bonuses?
- Bank bonuses are considered taxable income. Capital One will issue a 1099-INT if interest is over $10.

More on Capital One Bank

Sarah Sharkey, Cynthia Bowman and Julia Gordon contributed to the reporting for this article.

Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on promotions is accurate as of Sept. 2, 2025. Additional requirements may apply. Offers and terms are subject to change.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

*Capital One interest rates accurate as of Sept. 2, 2025. See website for all current rates.