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Capital One 360 Performance Savings Account: Earn Up to $1500 Bonus Funds w/ 4.10% APY

Deposit $20K-100K+
(New Capital 360 Accounts)
+121 Deal Score
280,559 Views
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).
  • 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.
Thanks to community member IGGUS for finding this deal.

Deal Instructions
  1. Open a new Capital One 360 Performance Savings Account w/ promo code BONUS1500
  2. 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
  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
Note: Click here for more information on Best High-Yield Savings Accounts of October 2024.
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Original Post

Written by
Edited October 21, 2024 at 04:22 PM by
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:
  1. Open a new Capital One 360 Performance Savings Account [capitalone.com] w/ promo code BONUS1500
  2. 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%
  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

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.
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Created 04-03-2024 at 07:00 AM by IGGUS
in Financial Tools & Services (7) See More Capital One Offers
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Deal
Score +121
280,559 Views
Deposit $20K-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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Surprised that nobody in this thread even understands what's going on. For $20,000, 4.35% APY over 3 months is $217.50, however you're also getting a $300 bonus, so you're getting $517.50 for 3 months. That equates to10.35% APY.

This is the same for the other deposit amounts.
·
Doesn't look like it if you currently have one.
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.
·
There are quite a few other High Yield Savings Accounts that don't have such restrictions and have higher rates of return. Here's a list I compiled this morning:

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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Joined Dec 2007
LΩ: Anti-Luddite
> bubble2 1,439 Posts
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Original Poster
IGGUS
04-04-2024 at 06:33 AM.
04-04-2024 at 06:33 AM.
Quote from namlook :
Great offer. This is a much better deal than any CD or high interest account.

If you deposit $50k for 90 days that's around $535 interest
$535 + $750 = $1285 which is more than a 10% return
Quote from holly_molly :
So you just close the account after 90 days?
Money is with Cap1 until at least day 106 from account opening. Read my original post/the Cap1 offer page for the specifics.
Reply
Joined Jul 2017
L6: Expert
> bubble2 1,412 Posts
164 Reputation
slicksdeal
04-04-2024 at 06:38 AM.
04-04-2024 at 06:38 AM.
Quote from Putin :
It's not the same tho. Also 5.04% - 0.42% of expenses.
"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."
VUSXX pays 5.4% APY after fees
Reply
Joined Jan 2011
L4: Apprentice
> bubble2 322 Posts
24 Reputation
AgentH2O
04-04-2024 at 06:39 AM.
04-04-2024 at 06:39 AM.
I closed my 360 performance saving account back in April 2021. Will I be okay or too close to the date?
Reply
Joined Sep 2017
L6: Expert
> bubble2 1,112 Posts
128 Reputation
Vice_Monkey
04-04-2024 at 06:44 AM.
04-04-2024 at 06:44 AM.
Quote from Slikku :
My response was I'm not shopping at that store because I have this vehicle, I have this vehicle because I shop at this store.
except that's trickle-on bootstraps nonsense.
1
Reply
Joined Sep 2017
L6: Expert
> bubble2 1,112 Posts
128 Reputation
Vice_Monkey
04-04-2024 at 06:46 AM.
04-04-2024 at 06:46 AM.
Quote from slicksdeal :
VUSXX pays 5.4% APY after fees
compound yield isn't the same thing.
Reply
Joined Jul 2017
L6: Expert
> bubble2 1,412 Posts
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slicksdeal
04-04-2024 at 06:47 AM.
04-04-2024 at 06:47 AM.
This is effectively a 7.5% interest rate (if it takes about 6 months to get the bonus)
Reply
Joined May 2018
L6: Expert
> bubble2 1,047 Posts
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Oil_Burner
04-04-2024 at 06:49 AM.
04-04-2024 at 06:49 AM.
Quote from VirtualMF :
There are quite a few other High Yield Savings Accounts that don't have such restrictions and have higher rates of return. Here's a list I compiled this morning:

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.
AMEX personal savings team will price match if you speak to them nicely, they did it for me for 6 months when Ally was running their 5.15% promo last year.
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Joined May 2023
L3: Novice
> bubble2 168 Posts
eatgreens20013
04-04-2024 at 07:36 AM.
04-04-2024 at 07:36 AM.
the federal reserve will cut the fed rate some time this year, so i'd get this deal if i had non-emergency savings of over $20K cash
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Joined May 2007
L10: Grand Master
> bubble2 8,461 Posts
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diavolo33
04-04-2024 at 07:39 AM.
04-04-2024 at 07:39 AM.
Quote from eatgreens20013 :
the federal reserve will cut the fed rate some time this year, so i'd get this deal if i had non-emergency savings of over $20K cash

Why couldn't emergency funds be used? There's no risk of loss and the money is available on demand with no penalty.
Reply
Joined Oct 2011
L3: Novice
> bubble2 212 Posts
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jwcalla
04-04-2024 at 08:00 AM.
04-04-2024 at 08:00 AM.
There was an 18-month or so period the past couple of years where I was aggressively chasing all these bank bonus deals and made a disgusting amount of money.

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Joined Oct 2015
L3: Novice
> bubble2 224 Posts
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Narnomor
04-04-2024 at 08:08 AM.
04-04-2024 at 08:08 AM.
I did this last year but I only put $50,000. I got my $500 easily and to this day I kick myself that I didn't put a 100K. . This current deal is a lot better if you have the money, go for it. It's free money
Reply
Joined Aug 2007
L9: Master
> bubble2 4,518 Posts
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pug_ster
04-04-2024 at 08:13 AM.
04-04-2024 at 08:13 AM.
I brought some 10-20 years FHLB and FHLMC agency bonds which gives around 6-6.4% interest. yes it is 10-20 years but they are callable and they usually liquidate the assets within a year.
Reply
Joined Feb 2014
L2: Beginner
> bubble2 57 Posts
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oxygenmm
04-04-2024 at 08:24 AM.
04-04-2024 at 08:24 AM.
I recommended this deal to a friend last December. It's been over 90 days and they never received the bonus when they called Capital One they were told to wait until June - Ridiculous!! Terns were 90 days
2
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Joined Jul 2005
L3: Novice
> bubble2 241 Posts
THruxster
04-04-2024 at 08:29 AM.
04-04-2024 at 08:29 AM.
I started applying and it says 2 days a rep will contact after uploading DL.

Quote from oxygenmm :
I recommended this deal to a friend last December. It's been over 90 days and they never received the bonus when they called Capital One they were told to wait until June - Ridiculous!! Terns were 90 days
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Joined Mar 2017
L10: Grand Master
> bubble2 8,514 Posts
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hpham_53
04-04-2024 at 08:32 AM.
04-04-2024 at 08:32 AM.
Quote from slicksdeal :
This is effectively a 7.5% interest rate (if it takes about 6 months to get the bonus)
It does take about 6 months to get the bonus, but your money is only locked up for 15 + 90 days, after that you can pull the money out and leave just a few bucks in the account so they won't close it.
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