If you’re a small business owner with a Capital One Business credit card, there’s a limited-time opportunity to earn a big checking account bonus. Right now, Capital One is offering up to $1,000 when you open a new Capital One Business Checking account and meet the deposit requirements.
This deal is only available to existing Capital One Business cardholders, so let’s break down the details, requirements, and best strategy to maximize this bonus.
Capital One Business Checking Bonus Details
Capital One is offering two tiers of bonuses for new business checking customers:
- $500 bonus – deposit at least $5,000
- $1,000 bonus – deposit at least $30,000
👉 To qualify, you must:
- Open a Basic or Enhanced Business Checking account using promo code Q3BONUS1000.
- Already have a Capital One Business credit card for at least 90 days prior to applying.
- Deposit the required funds from a non–Capital One account within 30 days of account opening.
- Maintain the balance for at least 60 days during the first 90 days.
- Complete 10 qualifying electronic transactions within 90 days (ACH, wire transfers, or remote check deposits).
Once all requirements are met, Capital One will deposit your bonus directly into your new business checking account.
Who Is Eligible?
Before applying, make sure you check these eligibility rules:
- Available nationwide.
- Must have held a Capital One Business credit card for at least 90 days.
- Not eligible if you’ve had a Capital One Business checking account within the past 180 days.
- Limited to one bonus per business.
Account Fees
Capital One offers two types of business checking accounts:
- Basic Checking – $15 monthly fee, waived with a $2,000 minimum balance.
- Enhanced Checking – higher monthly fee but more features (not required for this bonus).
✅ No early account closure fees, making this a straightforward bonus.
Why This Bonus Is Worth It
Compared to traditional business checking accounts, this Capital One offer stands out. The $500 bonus requires only a $5,000 deposit, which is an excellent return. Even the $1,000 bonus at $30,000 is attractive, especially considering the short 60-day holding period.
For business owners who already have a Capital One Business credit card, this is a great opportunity to earn easy cash while keeping funds liquid.
Final Thoughts
The Capital One Business Checking bonus is one of the better bank bonuses available in 2025. With up to $1,000 in free money on the table, it’s well worth considering if you already have a Capital One Business credit card.
Just remember to use promo code Q3BONUS1000, deposit the required funds on time, and complete your 10 electronic transactions.
👉 Bank account bonuses like this can be a smart way to boost your business cash flow, especially since you only need to lock in your funds for a couple of months.