SoFi vs Capital One bonuses
As of Jul 21, 2026, SoFi has 3 live sign-up bonuses, up to $400. Capital One has 5, up to $2,000. Here is how they compare, verified against each institution's own terms.
At a glance
| SoFi | Capital One | |
|---|---|---|
| Live sign-up bonuses | 3 | 5 |
| Biggest cash bonus | $400 | $2,000 |
| Bonus types | bank, brokerage | card, bank |
| ChexSystems | Soft pull, no ChexSystems reported | No ChexSystems pull reported for 360 accounts |
| Credit pull | Soft pull to open | Hard inquiry for cards. Frequently all three bureaus |
| Eligibility | One checking and savings bonus per member | 360 Checking: once ever per customer |
Current offers
What to know about each
An online bank that runs a recurring, tiered direct-deposit bonus. The rule is simple: bring $5,000 in direct deposits inside the window for the top tier. No branches, no monthly fee, and a strong APY when direct deposit is on.
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
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.
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.