Capital One vs Wells Fargo bonuses

As of Jul 21, 2026, Capital One has 5 live sign-up bonuses, up to $2,000. Wells Fargo has 4, up to $825. Here is how they compare, verified against each institution's own terms.

The quick take. Capital One has the bigger headline bonus right now ($2,000). Capital One gives you more offers to choose from. The best pick is the one whose requirement you can actually meet, so weigh the figures below against your own cash and direct deposit.

At a glance

	Capital One	Wells Fargo
Live sign-up bonuses	5	4
Biggest cash bonus	$2,000	$825
Bonus types	card, bank	bank, card
ChexSystems	No ChexSystems pull reported for 360 accounts	Soft pull reported for checking
Credit pull	Hard inquiry for cards. Frequently all three bureaus	Hard inquiry for cards
Eligibility	360 Checking: once ever per customer	Checking: no Wells bonus in the past 12 months (verify current terms)

Current offers

Capital One

Capital One Spark Cash Plus$2,000

$30,000 in purchases in 3 months · sign-up bonus

Capital One Savor Rewards$250

Spend $500 on purchases in first 3 months · sign-up bonus

Capital One 360 Checking$250

Code CHECKING250 + 2 DDs of $500+, 75 days · sign-up bonus

Capital One Venture Rewards75,000 miles

$4,000 in purchases, 3 months · miles bonus

Capital One Venture X75,000 miles

$4,000 in purchases, 3 months · miles bonus

Wells Fargo

Wells Fargo Initiate Business Checking$825

Deposit $25,000+ by day 30, maintain to day 60 · sign-up bonus

Wells Fargo Active Cash$200

$500 in purchases, 3 months · sign-up bonus

Wells Fargo Clear Access Banking$125

10+ qualifying posted transactions in 60 days · sign-up bonus

Wells Fargo Autograph20,000 points

$1,000 in purchases, 3 months · points bonus

What to know about each

Capital One

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.

Wells Fargo

A steady $300-class checking bonus with a low electronic-deposit hurdle, refreshed on short published windows. The terms are plain; the work is mostly remembering the coupon.

Common questions

Which has the bigger sign-up bonus, Capital One or Wells Fargo?

Capital One has the bigger cash bonus right now, at $2,000. Figures change; both are checked against the source and shown above with the date.

Is Capital One or Wells Fargo better for a sign-up bonus?

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.