Citi vs Capital One bonuses

As of Jul 21, 2026, Citi has 3 live sign-up bonuses, up to $1,500. Capital One has 5, up to $2,000. 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

	Citi	Capital One
Live sign-up bonuses	3	5
Biggest cash bonus	$1,500	$2,000
Bonus types	bank, card	card, bank
ChexSystems	Soft pull reported for checking	No ChexSystems pull reported for 360 accounts
Credit pull	Hard inquiry for cards	Hard inquiry for cards. Frequently all three bureaus
Eligibility	Checking once per period; card once per 24 to 48 months (verify)	360 Checking: once ever per customer

Current offers

Citi

Citigold Checking$1,500

Deposit $200,000+ within 20 days, maintain 60 days · sign-up bonus

Citi Double Cash$200

$1,500 in purchases in first 6 months · sign-up bonus

Citi AAdvantage Platinum Select80,000 miles

$3,500 in purchases in first 4 months · miles bonus

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

What to know about each

Citi

One of the largest US banks and card issuers, running checking bonuses and a broad co-brand and cash-back card lineup. Card figures are often personalized.

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.

Common questions

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

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 Citi or Capital One 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.