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Advertiser Disclosure
Capital One 360 Performance Savings Account: Earn Up to $1500 Bonus Funds w/ 4.10% APY
Deposit $20K-100K+
(New Capital 360 Accounts)
Capital One offers New Accounts: Capital One 360 Performance Savings Account: Earn Up to $1,500 Bonus Funds w/ 4.35% -> 4.25% -> now 4.10% APY w/ deposits ranging from $20,000 to $100,000 of external funds (within the 15-day Initial Funding Period Only) when you open a new account, fund the account and apply promo code BONUS1500 to receive this promotional bonus offer (detailed instructions below).
Deal Instructions
- 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, 2022, you will be ineligible for this bonus offer.
Deal Instructions
- Open a new Capital One 360 Performance Savings Account w/ promo code BONUS1500
- Deposit $20,000+ of external funds within the 15-day Initial Funding Period after opening your account
- Bonus Funds
- Deposit $20,000+ & Earn $300 Bonus Funds
- Deposit $50,000+ & Earn $750 Bonus Funds
- Deposit $100,000+ & Earn $1,500 Bonus Funds
- This exclusive offer will grant you the bonus and a high yield savings rate of 4.10% (APY) Annual Percentage Yield
- Bonus Funds
- Hold the deposit(s) in your account for 90-days after the 15-day Initial Funding Period ends
- 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
Original Post
Written by
Edited October 21, 2024
at 04:22 PM
Looks a lot like the Fall23 signup bonus, now accessible with full details in below link. 0.05% APY better than prior offers too.
Deal Instructions:
BONUS1500 Promo code during account creation to be eligible. I've personally just gone through this today, and the promo was auto-applied, showing in top banner of each page as I went through the signup. They almost caught me to create a new Savings account too with a single click, but skipped that one. On the following screen it showed me my new account and routing numbers, along with the promo details, the code and terms listed yet again.
No published expiry date at this time.
Qualifying deposit will be judged by the balance in your account from days 15-105 of account opening. For example, if you had funded the account with $50 on day 2, but then transferred $99,950 on day 14, you're eligible for $1500 bonus back in your account by day 165 of account opening. Alternatively, if you added $20,001 on day 2 and left it there until withdrawing $2 on day 104, you will receive a $0 bonus.
Deal Instructions:
- Open a new Capital One 360 Performance Savings Account [capitalone.com] w/ promo code BONUS1500
- Deposit $20,000+ of external funds within the 15-day Initial Funding Period after opening your account
- Bonus Funds
- Deposit $20,000+ & Earn $300 Bonus Funds
- Deposit $50,000+ & Earn $750 Bonus Funds
- Deposit $100,000+ & Earn $1,500 Bonus Funds
- This exclusive offer will grant you the bonus and a high yield savings rate of 4.35% (APY) Annual Percentage Yield - Now
4.25%4.10%
- Bonus Funds
- Hold the deposit(s) in your account for 90-days after the 15-day Initial Funding Period ends
- 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
BONUS1500 Promo code during account creation to be eligible. I've personally just gone through this today, and the promo was auto-applied, showing in top banner of each page as I went through the signup. They almost caught me to create a new Savings account too with a single click, but skipped that one. On the following screen it showed me my new account and routing numbers, along with the promo details, the code and terms listed yet again.
No published expiry date at this time.
Qualifying deposit will be judged by the balance in your account from days 15-105 of account opening. For example, if you had funded the account with $50 on day 2, but then transferred $99,950 on day 14, you're eligible for $1500 bonus back in your account by day 165 of account opening. Alternatively, if you added $20,001 on day 2 and left it there until withdrawing $2 on day 104, you will receive a $0 bonus.
Created 04-03-2024
at 07:00 AM
by IGGUS
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This is the same for the other deposit amounts.
They clearly address that at the beginning of the footnotes at bottom of main deal page, listing multiple account types open with them "on or after January 1, 2022" as making you ineligible for this offer. I'd encourage all to RTFM for straightforward questions like these.
APY
Amex: 4.35
Sofi: 4.6, $300 bonus direct deposit
Synchrony: 4.75
Wealthfront: 5.00 (get .5 bonus for 3 months if you refer a friend)
Citbank: 5.05 (5k minimum deposit)
Texas capital: 5.1
Everbank: 5.15
Ufb direct: 5.25
Western alliance: 5.36
For 100k you would earn $5,360 per year at Western versus $4,350 + 1500 = $5,850 with the Capital One deal. If you have less than 100k to invest the other options are better.
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Could you please provide links to the other SD threads where these other offers have already been posted? Or links to the individual institutions where people here can click through to easily sign up for these competing offers?
Amex: 4.35
https://www.americanexp
Sofi: 4.6, $300 bonus direct deposit
https://www.sofi.com/banking-short/
Synchrony: 4.75
https://www.synchronyba
Wealthfront: 5.00 (get .5 bonus for 3 months if you refer a friend)
https://cash.wealthfron
Citbank: 5.05 (5k minimum deposit)
https://www.cit.com/cit-bank/bank/savings
Texas capital: 5.1
https://www.texascapita
Everbank: 5.15
https://www.everbank.co
Ufb direct: 5.25
https://www.ufbdirect.c
Western alliance: 5.36
https://www.westernalli
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For reference, I opened one of these accounts today, and skipped the transfer funds step. Around lunch time I added my source bank details in Cap1 portal, from one of the biggest US banks, to transfer 1 lump sum. Didn't even need to go through the step that takes a few days for me to verify the few pennies of test transfers.
Now saying they will have my funds next Wed.
I assume this will vary slightly for everyone, but take this as a sign that you MUST start to fund the account within a week of opening, or your balance on day 15 may not meet the threshold you want if the transfer hasn't yet fully settled.
Don't allow Cap1 the loophole to claw back the bonus!
Your TBill suggestions seems like potentially a better return after 3 months, if transferring in under $100k, but only for 3 months. So the actual interest earned on a $100k deposit would really be 1/4 of the 12 month APY, therefore only 1.355% return on your investment or $1355, way less than this offer which would be $5850 at end of year, or even 1/4 of that after 3 months w/ Cap1 being $1462.50. Besides the lower term duration of the TBill, I'm having a hard time seeing the advantage of this vs 1 year w/ this Cap1 offer. On day 366 take your money out and invest in TBills later if you want! And depositing any less than 100k w/ Cap1 these numbers only get worse.
Also what's the TBill tax rate for federal & state taxes (obv differ state to state) for the 'average American' with a $60,000 salary, vs the average rate against the interest Cap1 will have included on a 1099-INT?
"You could lose money by investing in the fund. Although the fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so."
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$2587.5 / 100000 = 2.5875%
2.5875% * (360 / 90) = 10.35%
I'm not sure about you, but you aren't getting 10% anywhere unless you're investing in some High Yield bonds or some Mexican government bonds.
Either way, 10.35% isn't bad.
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Your TBill suggestions seems like potentially a better return after 3 months, if transferring in under $100k, but only for 3 months. So the actual interest earned on a $100k deposit would really be 1/4 of the 12 month APY, therefore only 1.355% return on your investment or $1355, way less than this offer which would be $5850 at end of year, or even 1/4 of that after 3 months w/ Cap1 being $1462.50. Besides the lower term duration of the TBill, I'm having a hard time seeing the advantage of this vs 1 year w/ this Cap1 offer. On day 366 take your money out and invest in TBills later if you want! And depositing any less than 100k w/ Cap1 these numbers only get worse.
Also what's the TBill tax rate for federal & state taxes (obv differ state to state) for the 'average American' with a $60,000 salary, vs the average rate against the interest Cap1 will have included on a 1099-INT?
you could simply earn an equivalent yield of 10.35% and then pull the money in buy the 3M and 6M T-bills. No need to wait a year. 90 days an then back into the investment account.
APY
Amex: 4.35
Sofi: 4.6, $300 bonus direct deposit
Synchrony: 4.75
Wealthfront: 5.00 (get .5 bonus for 3 months if you refer a friend)
Citbank: 5.05 (5k minimum deposit)
Texas capital: 5.1
Everbank: 5.15
Ufb direct: 5.25
Western alliance: 5.36
For 100k you would earn $5,360 per year at Western versus $4,350 + 1500 = $5,850 with the Capital One deal. If you have less than 100k to invest the other options are better.
I did this deal when it was offered late last year. If you can read, understand, and comply with the terms, it should go off without a hitch. My $1500 bonus was actually paid earlier than they were required to under the terms.
"You could lose money by investing in the fund. Although the fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so."
Date
03/28/2024
Symbol
SPAXX
Symbol Desc.
FIDELITY GOVERNMENT MONEY MARKET
Type
Cash
Amount
$8455.47
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