Chase vs Capital One: 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 | Chase | Capital One |
|---|---|---|
| Live offers | 4 | 3 |
| Largest bonus | $3,000, Chase Private Client Checking | $1,500, Capital One 360 Performance Savings |
| Best value after costs | $752, Chase Total Checking | $1,278, Capital One 360 Performance Savings |
| Personal checking | $3,000, Chase Private Client Checking | $250, Capital One 360 Checking direct deposit |
| Savings | $200, Chase Savings | $1,500, Capital One 360 Performance Savings |
| Business | $500, Chase Business Complete Checking | None live |
| Without a direct deposit | 3 of 4 | 2 of 3 |
| Monthly fees on these accounts | From $5 to $35 a month | 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.
Chase bonuses
| Offer | Bonus | Worth after costs | What it takes | Ends | Checked |
|---|---|---|---|---|---|
| Chase Private Client Checking (personal) | Up to $3,000 | -$1,932 | Deposit and hold: $500,000, investments count | Jan 27, 2027 (110 days left) | |
| Chase Total Checking (personal) | Up to $900 | $752 | Direct deposit | Jan 27, 2027 (110 days left) | |
| Chase Business Complete Checking (business) | Up to $500 | $434 | Deposit and hold: $10,000 | Jan 21, 2027 (104 days left) | |
| Chase Savings (personal) | $200 | $52 | Deposit and hold: $15,000 | Jan 27, 2027 (110 days left) |
Chase and all its offers, including ended ones.
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.
Chase or Capital One: questions
Which pays a bigger bonus, Chase or Capital One?
Chase has the larger top bonus: $3,000 on Chase Private Client Checking, against $1,500 on Capital One 360 Performance Savings. The largest bonus usually asks for the most cash or deposits.
Which bonus is worth more after costs, Chase or Capital One?
Chase's best is Chase Total Checking at $752. Capital One's best is Capital One 360 Performance Savings at $1,278. 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, Chase or Capital One?
On the accounts with a live bonus: Chase from $5 to $35 a month, Capital One 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 Chase and the Capital One 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.