Bank of America vs Capital One bonuses
As of Jul 21, 2026, Bank of America has 2 live sign-up bonuses, up to $2,500. Capital One has 5, up to $2,000. Here is how they compare, verified against each institution's own terms.
At a glance
| Bank of America | Capital One | |
|---|---|---|
| Live sign-up bonuses | 2 | 5 |
| Biggest cash bonus | $2,500 | $2,000 |
| Bonus types | bank, card | card, bank |
| ChexSystems | ChexSystems reported | No ChexSystems pull reported for 360 accounts |
| Credit pull | Hard inquiry for cards | Hard inquiry for cards. Frequently all three bureaus |
| Eligibility | Business checking bonus: not for owners in the past 12 months | 360 Checking: once ever per customer |
Current offers
What to know about each
A national bank that runs steady personal and business checking bonuses on new-money deposits. The card side earns Preferred Rewards boosts if you keep balances with them, but that is a relationship play, not a sign-up bonus.
The gentlest bank-side program: evergreen promo codes, no fees, no pull, no keep period. Its card side is the opposite, known for pulling all three bureaus. The 360 code rotates, and the current one is part of the entry.
Common questions
Bank of America has the bigger cash bonus right now, at $2,500. Figures change; both are checked against the source and shown above with the date.
The better pick is the offer whose requirement you can actually meet. Capital One currently gives you more offers to choose from. Weigh each bonus against the deposit or spend it needs, not just the headline number.
New to this? Start with how bank sign-up bonuses work, weigh both by value with the easiest to earn list, and see more head-to-heads on the compare page. Reference information, not financial advice.