Citibank 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 | Citibank | Capital One |
|---|---|---|
| Live offers | 2 | 3 |
| Largest bonus | $1,500, Citibank Regular Checking | $1,500, Capital One 360 Performance Savings |
| Best value after costs | $454, Citibank Regular Checking | $1,278, Capital One 360 Performance Savings |
| Personal checking | $1,500, Citibank Regular Checking | $250, Capital One 360 Checking direct deposit |
| Savings | None live | $1,500, Capital One 360 Performance Savings |
| Business | None live | None live |
| Without a direct deposit | 1 of 2 | 2 of 3 |
| Monthly fees on these accounts | $15 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.
Citibank bonuses
| Offer | Bonus | Worth after costs | What it takes | Ends | Checked |
|---|---|---|---|---|---|
| Citibank Regular Checking (personal) | Up to $1,500 | $454 | Deposit and hold: $200,000 | Oct 26, 2026 (17 days left) | |
| Citibank Regular Checking (personal) | $325 | $325 | Direct deposit: $3,000 in direct deposits | Oct 26, 2026 (17 days left) |
Citibank 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.
Citibank or Capital One: questions
Which pays a bigger bonus, Citibank or Capital One?
Both top out at $1,500: Citibank Regular Checking and Capital One 360 Performance Savings. The largest bonus usually asks for the most cash or deposits.
Which bonus is worth more after costs, Citibank or Capital One?
Citibank's best is Citibank Regular Checking at $454. 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, Citibank or Capital One?
On the accounts with a live bonus: Citibank $15 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 Citibank 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.