Capital One 360 Checking debit card bonus: $250 and what it takes
Live, no end date shown by the bank
Checked against the bank's page on .
The offer in one paragraph
Capital One pays $250 when you open Capital One 360 Checking as a new customer. To earn it, make 20 debit card purchases. The account has no monthly fee. Its terms name no state limit, and the bank decides at application. The bank shows no end date.
Do not add these together
Cannot be combined with the 360 Checking offer for direct deposit.
Bonus Tally may earn a commission when you open an account through links on this page. It never changes the math or the ranking.
How to earn it
- Open Capital One 360 Checking online, as a new customer.
- Use the offer code DEBIT250 when you apply.
- Make at least 20 qualifying debit card purchases. The terms say which purchases count and by when.
- Wait for the bank to pay the bonus. Its terms say when it pays once you meet the requirements.
Day counts follow the bank's terms, which say when each period starts.
When the bank pays. Capital One reviews the account after the first 75 days and can take up to 60 more days to pay, so the bonus should arrive within 135 days of opening.
Use code DEBIT250 and make at least 20 debit card purchases of $10 or more within 75 days of opening. ATM withdrawals, ACH payments and person to person payments such as Zelle or Venmo do not count. No direct deposit is needed.
You are excluded if you have had a 360 Checking, Simply Checking or Total Control Checking account with Capital One, as primary or secondary owner, on or after January 1, 2024. An account takes one code, so this offer and the direct deposit offer are one or the other.
The numbers
- Bonus
- $250
- Cash to park
- None
- Direct deposits
- Not required
- Annual rate
- None: no cash to parkThe rate measures the bonus against cash you park. This tier asks for none.
- Monthly fee
- None
- Early closure
- Not published
- Tax form
- Form 1099-INTAs the terms name it.
Guides to these figures: how the annual rate is calculated, monthly fees and how to avoid them and early closure fees and clawbacks.
Worth it for you
With these numbers you reach the $250 bonus. It comes to $250.00 after costs.
- Bonus
- $250.00
- Monthly fees
- $0.00
- No monthly fee.
- Net gain
- $250.00
Assumes a 4.00% savings rate on the parked cash and no tax figure. The bonus calculator takes your own rates and compares every live offer.
Bank bonuses are generally taxable as interest income, and banks usually report them on Form 1099-INT. Banks change and end offers without notice. Confirm every term on the bank's own page before you apply.
Who can get it
- For
- Personal accounts
- Customers
- New customers only
- Where
- No state limit in the termsThe bank decides at application
- Minimum age
- Not published
Before you apply: how often you can earn a bonus from one bank and whether opening an account affects your credit.
Tier
| Bonus | What it takes | Cash to park | Annual rate | In words |
|---|---|---|---|---|
| $250 | Debit purchases | None | no cash to park | Open a new 360 Checking account with code DEBIT250 and make at least 20 debit card purchases of $10 or more within 75 days. |
Source
Checked against the bank's own page on .
Read the offer on Capital One's page (opens in a new tab)
Bonus Tally may earn a commission when you open an account through links on this page. It never changes the math or the ranking.
Pages we read
- Offer page on www.capitalone.com, read
- Banks change and end offers without notice. Confirm every term on the bank's own page before you apply.
- Bank bonuses are generally taxable as interest income, and banks usually report them on Form 1099-INT. Are bank bonuses taxable has the detail.
- Bonus Tally is an information service, not a bank or a financial adviser. Nothing here is financial, tax or legal advice.
The verification log lists every offer with its source, and the methodology gives every formula.
Other bonuses from Capital One
Capital One and all its offers| Bank and account | Bonus | What it takes | Cash to park | Annual rate | Checked |
|---|---|---|---|---|---|
| Capital One 360 Performance Savings | Bonusup to $1,500 | What it takesDeposit and hold$100,000 | Cash to park$100,000 | Annual rate6.08% | Checked |
| Capital One 360 CheckingCannot be combined with the 360 Checking offer for debit purchases | Bonus$250 | What it takesDirect deposit$1,000 in direct deposits | Cash to parkNone | Annual rateno cash to park | Checked |
Similar bonuses
Every live bonusLive personal offers from other banks, closest in size to this one, largest first.
| Bank and account | Bonus | What it takes | Cash to park | Annual rate | Checked |
|---|---|---|---|---|---|
| Bank of America Advantage Banking (SafeBalance, Plus or Relationship) | Bonusup to $500 | What it takesDirect deposit$10,000 in direct deposits | Cash to parkNone | Annual rateno cash to park | Checked |
| U.S. Bank Smartly Checking | Bonusup to $450 | What it takesDirect deposit$8,000 in direct deposits | Cash to parkNone | Annual rateno cash to park | Checked |
| Citibank Regular CheckingCannot be combined with the Citibank Regular Checking offer for deposit and hold | Bonus$325 | What it takesDirect deposit$3,000 in direct deposits | Cash to parkNone | Annual rateno cash to park | Checked |
| Valley Bank All Access Checking | Bonus$100 | What it takesDirect deposit$500 in direct deposits | Cash to parkNone | Annual rateno cash to park | Checked |