Capital One Bank Promo Codes: $400, $300, $250 in 2026

Six capital one bank promo codes are active right now, ranging from $250 to $1,500. The best public offer -- OFFER300 -- pays $300 for two qualifying direct deposits. A targeted code, GET400, bumps that to $400 for existing Capital One customers. And if direct deposit sourcing is a problem, DEBIT250 sidesteps the requirement entirely with 20 debit transactions.

This page breaks down every active capital one promo code, the requirement stack for each, direct deposit evidence from 21 confirmed sources, and the fee math that makes Capital One one of the cleaner bonus plays among major bank bonuses.

Current Promo Codes

Capital One runs more simultaneous promo codes than most major banks. Here is every active code as of April 2026, ranked by bonus amount.

| Code | Bonus | Requirement | Who Qualifies | |------|-------|-------------|---------------| | GET400 | $400 | 2x $500 DD within 75 days | Existing Cap One customers; no checking since 1/1/2024 | | OFFER300 | $300 | 2x $500 DD within 75 days | New customers; no checking since 1/1/2024 | | CHECKING250 | $250 | 2x $500 DD within 75 days | New customers; no checking since 1/1/2023 | | DEBIT250 | $250 | 20 debit transactions of $10+ within 75 days | No DD required; no checking since 1/1/2024 | | BONUS1500 | $300--$1,500 | $20k--$100k deposit, hold 90 days | 360 Performance Savings; no Cap One savings since 1/1/2022 | | SBOFFER500 | $500--$1,000 | $5k--$30k balance + 10 transactions within 90 days | Business only; no Cap One business checking since 1/1/2025 |

GET400 is targeted, meaning it only appears for existing Capital One customers -- those with a credit card, auto loan, or savings account. To check eligibility, log into your Capital One account and look for "Explore other products" in the dashboard. If the $400 offer is attached, the code will be pre-populated during the application. The offer expires May 19, 2026.

DEBIT250 is worth highlighting separately. It requires zero direct deposits. Twenty debit card purchases of $10 or more within 75 days of opening is the only requirement. That makes it the fallback for anyone who cannot route a qualifying direct deposit to Capital One.

Requirement Stack

OFFER300 / GET400 path: Two qualifying direct deposits of $500 or more each, both landing within 75 days of account opening.

Capital One's official direct deposit definition: "a regular periodic payment such as salary, pension, or government benefits (Social Security) from an employer or government via ACH or RTP." Zelle transfers do not count. Person-to-person payments do not count.

Community-reported data shows that ACH pushes from brokerages and fintech platforms often trigger the requirement. This is not bank-confirmed -- see the DD Evidence section below for 21 tested sources.

DEBIT250 path: 20 debit card purchases of $10 or more within 75 days. No direct deposit of any kind is needed. Each transaction must post (not just authorize) within the window.

BONUS1500 savings path: Deposit $20k, $50k, or $100k into a new 360 Performance Savings account within 15 days of opening, then hold that balance for 90 days. The corresponding bonus is $300, $750, or $1,500. Transfers from another Capital One account do not qualify. The tier downgrade rule applies -- if your balance drops below a tier threshold during the 90-day hold, you receive the lower tier bonus.

DD Evidence

Of 21 confirmed source institutions in the BonusClerk DD database, the following have triggered Capital One's qualifying direct deposit requirement based on community-reported direct deposit evidence.

High confidence (multiple confirmations): Ally, Charles Schwab, Fidelity, Discover, Marcus (Goldman Sachs), PayPal, SoFi, TD Ameritrade, Vanguard, E*Trade, Robinhood, U.S. Bank, PenFed, Venmo, Wise.

Mixed results: Chase and Wells Fargo. Some users report success; others report that ACH pushes from these banks did not trigger the requirement. Timing and transfer method may vary.

Confirmed failure: Capital One to Capital One. Internal transfers between Capital One accounts do not register as qualifying direct deposits.

All direct deposit evidence is community-reported, not bank-confirmed. Capital One's official terms only recognize employer or government ACH/RTP payments.

Fee Math

Capital One 360 Checking charges $0 per month. No minimum balance. No monthly fee drag.

That means the net bonus after fees calculation is straightforward:

• OFFER300: $300 bonus - $0 fees = $300 net
• GET400: $400 bonus - $0 fees = $400 net
• DEBIT250: $250 bonus - $0 fees = $250 net

For comparison, Wells Fargo's $300 checking bonus carries a $10/mo fee (waivable with $500 DD or $1,500 balance). Citi's $200 checking bonus carries a $12/mo fee if not waived -- over a 6-month holding period, that reduces the net bonus after fees to $128.

For the savings offer, BONUS1500 at the top tier requires $100,000 locked for approximately 105 days (15-day deposit window + 90-day hold). That $1,500 payout on $100,000 over 105 days equates to a 5.2% annualized effective bonus APR -- competitive with high-yield savings rates, stacked on top of the account's standard APY.

The Bottom Line

Start by checking for GET400. Log into any existing Capital One account and look for the targeted $400 offer. If it appears, that is the highest-value capital one 360 promo code available.

If you are not targeted, OFFER300 at $300 is the strongest public capital one checking account promo code. The $0 monthly fee means zero fee drag on the bonus, and the 75-day direct deposit window gives adequate time to route two $500+ deposits.

If direct deposit sourcing is difficult, DEBIT250 removes the requirement entirely for $250. Twenty debit purchases of $10+ in 75 days is achievable with normal spending.

Compare all active bank bonuses on the bonus tracker.