[Expired] Capital One 360 – $200 Money Market Bonus – Publicly Available (1% APY & Requires $10,000 Deposited)
Deal has now expired, click here to view the best checking/savings bonuses
4/4/17 Update: Reposting as code is actually working now.
Bonus has been extended until June 30th, 2017. New promo code is 200GROW. Looks like the promo code is not currently being accepted, if anybody gets it to work please let us know in the comments below.
Offer at a glance
- Maximum bonus amount: $200
- Availability: Nationwide
- Interest rate: 1% on balances of $10,000 or more, 0.6% on balances of $10,000 or less.
- Deposit requirement: $10,000
- Deposit length: None listed (10 days if it’s your initial deposit)
- Hard/soft pull: Soft
- ChexSystems: Yes
- Credit card funding: None
- Monthly fees: None
- Early account termination fee: None
- Household limit: None
- Expiration date: Must deposit at least $10,000 no later than 6/30/2017 11:59 p.m
The Offer
- Open a new Capital One 360 Money Market account and get a bonus of $200 when complete the following:
- Use promo code 200GROW this is not autofilled! (Should be found under the funding your account tab)
- Deposit $10,000 or more by June 30th, 2017
The Fine Print
- To qualify for the $200 bonus, open your very first 360 Money Market account online and deposit at least $10,000 no later than 6/30/2017 11:59 p.m. (If you currently have or have had a Savings product with Capital One Bank, Capital One 360 or ING DIRECT before or are a Capital One Associate, you won’t be eligible for the bonus.) In order to qualify for the bonus, you must make a deposit from an external account. Transfers between any Capital One accounts will not qualify. This offer cannot be combined with any other Capital One Bank or Capital One 360 new account opening offer, and is strictly non-transferable. Bonus offer is not valid for multiple accounts and is only available one per account.
- If you qualify for a bonus, Capital One will deposit the bonus money into your account in approximately 6-8 weeks after completing the above conditions. Once it’s deposited, the funds will be available immediately. Account must be in good standing (not in default, closed, or suspended, or otherwise not in good standing).
- All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Avoiding Fees
This account has no monthly fees or minimums to worry about.
Our Verdict
They have previously offered this deal, but it has always had targeted language in the fine print. This is no longer the case and it’s available to everybody. The best part of this bonus is that there is no minimum length the $10,000 needs to be deposited for (I don’t know if ACHing in & out smaller amounts will work or not. E.g transfer $5,000 in, transfer $5,000 out and then repeat. Let us know in the comments. Update, ACHing in and out does work).
Bonus usually posts quite quickly after the $10,000 has been deposited. The 1% APY rate is OK, but there are better rates available. We will be adding this to our list of the best savings accounts. Capital One also have a $200 bonus on their checking accounts, but this one still contains the targeted language.
Big thanks to reader, Justincase who let us know. Learn how to find bonuses and contribute to the site here.
Useful posts regarding bank bonuses:
- A Beginners Guide To Bank Account Bonuses
- PSA: Don’t Call The Bank
- Introduction To ChexSystems
- Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
- What Banks & Credit Unions Do/Don’t Pull ChexSystems?
- How To Use Our Direct Deposit Page For Bank Bonuses Page
- Common Bank Bonus Misconceptions + Why You Should Give Them A Go
- How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
- Affiliate Links & Bank Bonuses – We Won’t Be Using Them
- Complete List Of Ways To Close Bank Accounts At Each Bank
- Banks That Allow/Don’t Allow Out Of State Checking Applications
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Ugh applied for the $100 bonus last December…
See if they will match and report back
I asked for a match a while back and was denied, but will try again now that this offer is public
Ok, please let us know!
But the terms say you’ll be ineligible since you’ve had the account before
His goal is to get them to increase the bonus he just qualified for a few weeks ago to match the current offer, not to reapply trying to get both offers. They probably still won’t do it, but it wouldn’t hurt to ask.
I just called their customer service, and the rep told me that this non-targeted promo has just expired on April 30th. They have a targeted promo till June 30th.
Great find, thanks!
I have a 360 Savings, the language seems to indicate I am not eligible 🙁
That’s correct
Doesn’t hurt to try to apply to see if they’ll give a bonus slipping thru. Technically savings is a different product compared to money market, so maybe they’ll let it slid. Let us know how it goes.
Didn’t slip through for me. I had a 360 Savings account already when I opened the 360 Money Market in March 2017 with 200GROW. I have not received the $200 bonus, and when I called today to ask about it they said it was that preexisting savings acct which made me ineligible for the bonus.
Where do i put in the invitation code?
You’ll put the code under “Funding Your Account” tab.
I’m not sure if I’ve ever had an ING account. Has anyone successfully confirmed with Cap1 if you’re eligible before applying? Would be pretty annoying if I went through the hoops only to not qualify.
My husband is wondering the same thing.
I called the phone number listed on the bonus and without using any prompts was transferred to someone who was able to look me up in the system by SSN to see if I qualified for this bonus. Was a < 5 minute phone call so I'd definitely recommend calling in and verifying before opening.
Great, thanks.
https://www.capitalone.com/contact/360-bank/
new customers:
1-800-464-3473
(8AM – 8PM, 7 days a week)
thanks for that tip
thanks. I was told I am ineligible due to ING Direct savings account 10 years ago 🙁
Newb q.: The “hard pull” that this generates — how will this affect my 650 TransUnion score, and for how long, approximately. Anyone know?
This account doesn’t do a hard pull, you can see how a hard pull would affect your score here: https://www.doctorofcredit.com/credit-scores/fico-score/
I had got Capital One 360 Checking bonus of mere $ 50 and Capital one 360 Savings bonus of $ 75 in 2014. Looks like I am not eligible for any capital one 360 offer. Shucks should have waited till 2017 🙁
Both me and my wife got “data mismatch” – please call us errors…
I bet the address is fucked up somewhere…
Got the same error. Signed in to an old account and I got around it
don’t have old account login…
Anyone tried calling? Have to wait till Monday…
The fine print indicates you are not eligible if you’ve had an account before? So, if you have an old login, you must have previously had an account and don’t qualify, right?
I had a checking account
So, you don’t qualify, right? I am a current Cap360 savings customer. Just wondering if you are reading this differently than I am.
“To qualify for the $200 bonus, open your very first 360 Money Market account online … (If you currently have or have had a Savings product with Capital One Bank, Capital One 360 or ING DIRECT before or are a Capital One Associate, you won’t be eligible for the bonus.)”
EBF that says if you have or had a SAVINGS product. They had a CHECKING product.
Able to open account with the code and bonus was confirmed after funding the account while opening…
Got the below msg – “Welcome Aboard. Your 360 Money Market Account is open and you’ll receive your $200 bonus within 6-8 weeks”
Probably just poor wording, but I got this message after depositing an initial $20
“Generally, you can’t withdraw
a deposit for 5 business days. However, when you first open your account, you won’t be able to
withdraw any money for the first 10 business days.” — From the account disclosures
Also, it’s U.S. citizens and permanent residents only. (also in the disclosures)
Does the 1% apply to the whole balance, or just over $10k?
“The 1.00% Annual Percentage Yield (APY) applies to the entire account balance for accounts with balances of $10,000.00 or more”
Thanks Doc! opened the account with $100 initial deposit.
Hey guys. Does the 200STRONG code need to be manually entered at some point within the app? If so, on which page? I see that it’s a 6 page app. I ask since I am curious if you can stack this bonus with a referral link bonus. While hunting around, I have found a few standard referral links for $25, but they take you to an app which looks very different than this one.
On the same note, has anyone ever used a referral link bonus to stack with a sign up bonus?
Thanks.
Bonuses don’t stack AFAIK.
Thanks for the reply, William. Was starting to think that a bit after I posted. Since Cap1 is a once-in-a-lifetime bonus, no point messing around with it, going straight for the $200.
Don’t think I need to tell you, but thanks for having the best site!!
Thanks for the kind words
Would cap1 allow to open MM account with ITIN?
Try it and let us know
In Account Disclosures they have clearly mentioned as below:
Who Can Open an Account: You must be a United States citizen or lawful permanent resident with a U.S. physical address or with military addresses (APO or FPO) and valid Social Security Number to open an account. Individual Taxpayer Identification Numbers (ITINs) are not acceptable.
Thanks
Sometimes the system can’t tell btw.
I can’t find disclosure, is there link to this than anyone can provide.
In most bank accounts people on work visa with ssn can open account by opening it in bank physically or by providing passport and visa details.
One of the easier account openings (much quicker and less convoluted than getting the Wells Fargo $250). One cautionary note: I was about to click “submit” and noticed the promotion code 200STRONG was not in the box. Not sure if it was supposed to automatically appear there using the link. Trial deposits should appear in the funding account in a few days,
I’ll make it clearer you need to add this.
Definitely one of the easier accounts to open. Same as Nick had to type in the promo code so don’t go too fast! Waiting on trial deposits before funding will complete. Funded with 10,000. Got the your bonus will post in 6-8 weeks notice.
First Capital One account of any sort. Maybe I’ll get a checking account offer in the future now!
Laura, I was thinking exactly the same thing! Opening this account with the 10K might set off a few alarms to get us a good checking offer or more. I’m sure the system has it all in place. With no minimum term the last thing they’d want is customers grabbing the bonus and then closing the account. I’m willing to bet we’ll be seeing some offers to make us want to stick around for awhile. And with the 1% rate anyway it’s not much of a sacrifice .