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Capital One 360 Performance Savings Account: Earn Up to 1K Bonus Funds w/ 3.5% APY Expired

Deposit 10K-100K+
(New Capital 360 Accounts)
+73 Deal Score
175,011 Views
Capital One is offering their Capital One 360 Performance Savings Account: Earn Up to $1,000 Bonus Funds w/ 3.5% APY w/ deposits ranging from $10,000 to $100,000 of external funds (within the 15-day Initial Funding Period Only) when you open a new account and fund the account and apply promo code SPRING23 to receive this promotional bonus offer or when you follow the instructions listed below

Thanks to community member henry333 for finding this deal

Note, offer valid for New Capital One 360 Performance Saving Account only. If you have or had an open 360 Performance Savings, 360 Savings, 360 Money Market, Savings Now or Confidence Savings account as a primary/secondary account holder with Capital One on or after January 1, 2020, you will be ineligible for this bonus offer.

Deal Instructions
  1. Open a new Capital One 360 Performance Savings Account w/ promo code SPRING23 by May 10, 2023
    • Note, offer does not extend to users that have open on or after January 1, 2020
  2. Deposit up to $100,000+ of external funds during the 15-day Initial Funding Period after opening your account
    • Bonus Funds
      • Deposit $10,000+ & Earn $100 Bonus Funds
      • Deposit $50,000+ & Earn $500 Bonus Funds
      • Deposit $100,000+ & Earn $1,000 Bonus Funds
    • This exclusive offer will grant you the bonus and a high yield savings rate of 3.50% (APY) Annual Percentage Yield
  3. Hold the deposit(s) in your account for 90-days after the 15-day Initial Funding Period ends
  4. Earn the bonus funds in your new account within 60-days after holding
    • Note, bonuses are considered interest and will be reported on IRS form 1099-INT
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Original Post

Written by
Edited April 21, 2023 at 05:09 PM by
You're invited to earn an exclusive bonus and a high-yield savings rate: 3.50% APY. Act now.
Earn $100, $500 or $1,000 based on how much you deposit. Just open a 360 Performance Savings account, make a deposit within 15 days and hold your deposit for 90 days. Plus, you'll earn interest with one of the best savings rates in America.

https://www.capitalone.com/bank/spring23/

See the link for details. Minimum investment $10,000 for 15+90 days.
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Score +73
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Deposit 10K-100K+
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These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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$10,000 gets you $100
$50,000 gets you $500
$100,000 gets you $1,000.
·
consider interest, after 90 days you got 1000+875, equivalent to 7.5% APY
·
From the fine print: If you have or had an open 360 Performance Savings, 360 Savings, 360 Money Market, Savings Now or Confidence Savings account as a primary or secondary account holder with Capital One on or after January 1, 2020, you will be ineligible for the bonus. If your account is in default, closed or suspended, or otherwise not in good standing, you will not receive the bonus.
·

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Joined Nov 2010
L9: Master
> bubble2 4,220 Posts
759 Reputation
wealthisachoice
04-23-2023 at 12:40 PM.
04-23-2023 at 12:40 PM.
Quote from tygron :
Earning 1% on 100k for a "sign up bonus" is not good at all. Even the 3.5% is just average now, and will surely fall as the FED lowers rates in the coming years. I get a better rate at Ally and don't have to do any of the work to create a Cap1 account, fund it, and wait.

You'd do much better signing up for a credit card with a higher than usual sign up bonus than doing this. On top of the points not being taxable (unlike this "deal") you would get travel rewards. Depending on which card(s) you chose.

Hope that helps!
Why not do Both??? You can only open so many credit cards and for those that have $$$ in a checking/savings account this totally makes sense.

Origin Bank in Texas has checking accounts paying 6% up to 40K per account---1 account per SS#. Does have monthly requirements but super easy to do. There are other accounts paying 5% that are avail to anyone. This still beats all of them at the 100K level. The way to really figure it out is take 100K X the interest you are earning now vs the 100K plus bonus plus interest--for 3 months and see if it's worth your time. You can do it with smaller bonuses the same way.

If this doesn't work for you just pass and keep doing what your doing.
Reply
Joined Nov 2018
L3: Novice
> bubble2 242 Posts
94 Reputation
mwd21
04-23-2023 at 12:52 PM.
04-23-2023 at 12:52 PM.
Quote from sodaKING :
Pulling a Bill Belichick red flag from ankle! So you got 5 million in a Marcus account with with 4.75 million or 4.5 million unprotecte(depending on how you have account structured). Not very smart with what's happening these days. Either I misread your post or you need some financial education.
What..? I do not have 5 million dollars unprotected? Haha.

I think you might have read "it took me 5m to have my money in my account" as in 5 minutes to sign up, link another bank account, and deposit my money in Marcus! 😅
1
1
Reply
Joined Jan 2011
L5: Journeyman
> bubble2 942 Posts
141 Reputation
teucer
04-23-2023 at 12:53 PM.
04-23-2023 at 12:53 PM.
Quote from SturgeonGeneral :
I did this last year, easy 1k. FYI, it's taxable so, not really 1k, so make that $1k earn before you have to give part of it away.
less than 1% on 100k over 90 days seems like a bad deal though?
4
Reply
Joined Jan 2008
L6: Expert
> bubble2 1,741 Posts
344 Reputation
freefun4every1
04-23-2023 at 12:56 PM.
04-23-2023 at 12:56 PM.
Reminds me that my 100k is still there. Need to move out and close account
1
2
Reply
Joined May 2015
L7: Teacher
> bubble2 2,417 Posts
655 Reputation
justye
04-23-2023 at 04:26 PM.
04-23-2023 at 04:26 PM.
Do I have to deposit the 100k at one single time or just have a total of 100k by the time the 15 days are up?
Reply
Joined Oct 2012
SD for profit
> bubble2 3,483 Posts
756 Reputation
SturgeonGeneral
04-23-2023 at 07:44 PM.
04-23-2023 at 07:44 PM.
Quote from teucer :
less than 1% on 100k over 90 days seems like a bad deal though?
It's not a fantastic deal, but my 100k earned 3.5+% apr while sitting there as well.
Reply
Joined Oct 2012
SD for profit
> bubble2 3,483 Posts
756 Reputation
SturgeonGeneral
04-23-2023 at 07:46 PM.
04-23-2023 at 07:46 PM.
Quote from thakoolkid :
Dumb question but 33% is the rate? So basically only like $660ish
It's taxed the same as your income tax bracket iirc.
Reply

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Joined Oct 2012
SD for profit
> bubble2 3,483 Posts
756 Reputation
SturgeonGeneral
04-23-2023 at 07:53 PM.
04-23-2023 at 07:53 PM.
Quote from easybeart :
Who readily has $100k to drop in a savings account? This is just another handout to the rich.
Many of us do, but by absolutely no means is that rich. $100k doesn't go very far these days.
Quote from DRSONGE :
with all the 4.3%-5% CDs, savings around, this is pretty lame to be honest.
Well this is 3.5% plus $1k, I believe someone did the math and that's effectively 7.5% for a "3 month cd"
1
Reply
Joined Nov 2016
L3: Novice
> bubble2 116 Posts
42 Reputation
Kumar19
04-23-2023 at 07:56 PM.
04-23-2023 at 07:56 PM.
Quote from justye :
Do I have to deposit the 100k at one single time or just have a total of 100k by the time the 15 days are up?

Multiple times are allowed as long as deposited within 15 days.
Reply
Joined Oct 2017
L3: Novice
> bubble2 1,142 Posts
192 Reputation
LawrenceT6420
04-23-2023 at 08:50 PM.
04-23-2023 at 08:50 PM.
Does this work if you transfer money from one Capital one account to it?
1
Reply
Joined Feb 2018
L5: Journeyman
> bubble2 651 Posts
133 Reputation
DealFreak1
04-24-2023 at 01:14 AM.
04-24-2023 at 01:14 AM.
Quote from LawrenceT6420 :
Does this work if you transfer money from one Capital one account to it?

Nope money has to come from external bank
Reply
Joined Nov 2008
L7: Teacher
> bubble2 2,286 Posts
262 Reputation
dualityofman
04-24-2023 at 02:21 AM.
04-24-2023 at 02:21 AM.
Quote from ohbouy :
CIT, Citibank and some offer better APY on CDs. Fed is expected to raise interest rate by up to 25bps next month, so if you think that will happen and will be passed down by banks, then plan accordingly

I read that the Feds are expected to lower rates come September. That's only 4 months away. Something to think about if you're looking for the highest rate on a CD for 1-5 years.
Reply
Joined Nov 2008
L7: Teacher
> bubble2 2,286 Posts
262 Reputation
dualityofman
04-24-2023 at 02:28 AM.
04-24-2023 at 02:28 AM.
Initial Funding Period - 15 days
Holding Period - 90 days
Bonus Waiting Period - Up to 60 days

You will not receive your bonus for at least 105 days and up to 165 days.
Reply
Last edited by dualityofman April 24, 2023 at 02:50 AM.
Joined Sep 2014
L5: Journeyman
> bubble2 933 Posts
180 Reputation
LiamNg
04-24-2023 at 02:42 AM.
04-24-2023 at 02:42 AM.
My Discover AAA Online saving is better (without bonus): API 3.8%, Interest 3.73%
3
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Joined Oct 2014
L6: Expert
> bubble2 1,185 Posts
227 Reputation
Deal-R-Dash
04-24-2023 at 04:12 AM.
04-24-2023 at 04:12 AM.
Quote from easybeart :
Who readily has $100k to drop in a savings account? This is just another handout to the rich.
I do because I've been frugal and saving for many decades. The problem is that while it may appear to be a handout, the bank is making money off of the money and in my case the government takes 37% of it back at tax time. No thanks. I prefer to change that dynamic and buy municipal bonds and/or bond funds. No minimums and I don't pay taxes on interest I receive that is used to fund public infrastructure. Yes, the money is arguably more locked-up but worth it for some of the interest that municipalities are having to pay to fund their projects...
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