Capital One vs E*TRADE: bank account bonuses compared
The live offers from both banks side by side: the bonus, what it takes, the fees and what each is worth after costs. Checked against the banks' own pages, most recently on October 6, 2026.
Updated
At a glance
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| As of October 9, 2026 | Capital One | E*TRADE |
|---|---|---|
| Live offers | 3 | 1 |
| Largest bonus | $1,500, Capital One 360 Performance Savings | $800, E*TRADE Premium Savings Account |
| Best value after costs | $1,278, Capital One 360 Performance Savings | $831, E*TRADE Premium Savings Account |
| Personal checking | $250, Capital One 360 Checking direct deposit | None live |
| Savings | $1,500, Capital One 360 Performance Savings | $800, E*TRADE Premium Savings Account |
| Business | None live | None live |
| Without a direct deposit | 2 of 3 | 1 of 1 |
| Monthly fees on these accounts | None | None |
Largest bonus is the top tier as the bank states it. Value after costs follows the methodology. Banks change and end offers without notice. Confirm every term on the bank's own page before you apply.
Capital One bonuses
| Offer | Bonus | Worth after costs | What it takes | Ends | Checked |
|---|---|---|---|---|---|
| Capital One 360 Performance Savings (personal) | Up to $1,500 | $1,278 | Deposit and hold: $100,000 | No end date shown | |
| Capital One 360 Checking direct deposit (personal) | $250 | $250 | Direct deposit: $1,000 in direct deposits | No end date shown | |
| Capital One 360 Checking debit card (personal) | $250 | $250 | Debit purchases | No end date shown |
Capital One and all its offers, including ended ones.
E*TRADE bonuses
| Offer | Bonus | Worth after costs | What it takes | Ends | Checked |
|---|---|---|---|---|---|
| E*TRADE Premium Savings Account (personal) | Up to $800 | $831 | Deposit and hold: $100,000 | Jan 10, 2027 (93 days left) |
E*TRADE and all its offers, including ended ones.
Capital One or E*TRADE: questions
Which pays a bigger bonus, Capital One or E*TRADE?
Capital One has the larger top bonus: $1,500 on Capital One 360 Performance Savings, against $800 on E*TRADE Premium Savings Account. The largest bonus usually asks for the most cash or deposits.
Which bonus is worth more after costs, Capital One or E*TRADE?
Capital One's best is Capital One 360 Performance Savings at $1,278. E*TRADE's best is E*TRADE Premium Savings Account at $831. Value after costs is the top tier's bonus less fees the requirement does not waive and what the cash would earn elsewhere at 4%. Your own figure depends on your cash and deposits: try the calculator.
Which has lower monthly fees, Capital One or E*TRADE?
On the accounts with a live bonus: Capital One none, E*TRADE none. Most fees can be avoided with a direct deposit or a balance; each offer page lists the waivers the bank publishes.
Can you get both the Capital One and the E*TRADE bonus?
The two banks run their offers separately, and each decides who qualifies under its own terms. Bank bonuses are generally taxable as interest income, and banks usually report them on Form 1099-INT.