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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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If you have or had an open
as a primary or secondary account holder with Capital One on or after January 1, 2022, you will be ineligible for the bonus.
$100k @ 4.35% for 5 months (say max time to get bonus) = $1800 + $1500 sign up bonus = $3300 in 5 months
$3300/$100k x 12 / 5 = 7.9% APY
So you get about 8% fixed / safe return for 5 months deposit, and it is proportionally tiered.. so invest 20k, 50k or 100k for the same APY.
You mean clicking your mouse a few times lmfao
I tried putting 5k to open a CapOne back in Dec, then fund to at least the 20k level for the bonus, but they couldn't link to TDA despite multiple attempts. If it's that hard to get money in I don't want to find out how difficult it is to get it out.
Enlighten us what is better than lol
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$20k -> with monthly compounded interest becomes 20,218
Add the $300 bonus -- 20,518.
Growth rate of 2.59% for 3 months -- since most people are comparing APY -- you would multiply this by 4 -- over 10% APY (again if you held it for the minimum bonus period)
$20k with 5% interest -- $20,251 -- growth rate for 3 months - 1.25%
Pretty good deal IMO -- I did this last fall. I might open one for my wife.
I tried putting 5k to open a CapOne back in Dec, then fund to at least the 20k level for the bonus, but they couldn't link to TDA despite multiple attempts. If it's that hard to get money in I don't want to find out how difficult it is to get it out.
Assume whatever day you open account is day 1.
By day 7 make sure whatever funds you want in the account are either already there, or on their way into the account, so it's definitely all there by day 14.
Day 15-105 (a 90 day period) is what Cap1 will use to judge what bonus you'll receive. If you transferred $100,001, and then withdrew $2 before day 106, you're no longer getting the $1500 bonus.
Day 106 you should be free to do whatever you want with the money, but you've been patient enough by then that I'd recommend leaving the money in a few more days, just in case Cap1 wants to try playing games with their T&Cs.
Day 165 or sooner (within the next 60 day period) you will then get your bonus back in the account, and reflected on a 1099-INT for your 2025 taxes.
It's why "Financial Advisors" make so much money every year off people. And why people earn 0.01% interest at their MEGA bank.
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