Capital One 360 Financial Independence Days

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Capital One 360 Financial IndependenceCapital One just started their yearly “Financial Independence Days“. This time around that have increased the sign-up bonus for many of their products, making it worthwhile to take advantage of them. This promotion is only available from 6/30 – 7/3, so if you’re thinking about signing up don’t wait too long.

Here is a breakdown of the promotion:

360 Checking
$100 sign-up bonus when you make 5 debit card transactions or CheckMate deposits in 45 days. The bonus will post on day 50 of account opening, if the requirements were met. I’ve heard that this may be a hard inquiry, in which case I would not suggest signing-up. However, I signed up in February and did not receive a hard inquiry. I had the option to open a backup line of credit on my 360 Checking account which would have caused a hard inquiry, but of course I didn’t do it.

360 Savings
This is probably the best deal available from this promotion. You can make a quick $76 by opening a new 360 Savings account. This only works for new customers, so if you’ve had an account open before or still do, you won’t get the bonus. The terms say you need to have an initial deposit of $500+ that cannot be withdrawn for 30 days to get the bonus. The interest rate is 0.75% APY which is not terrible, but if your main bank or credit union has a higher interest rate then I would definitely take the money out after 30 days.

This is a contest their running until 7/14/14 where 10 lucky entrants will win $1,776 by sharing their “financially independent” stories. It doesn’t hurt to enter. You never know if you might win!

Quicksilver Credit Card
I would not suggest getting this card. For one, because there’s not an extra bonus by signing up during this promotion. For two, Capital One is known for doing a hard pull at all three banks. $100 sign-up bonus and 1.5% cash back on all purchases is not worth that.

Refer A Friend
The refer a friend bonus has gone up from $25 to $40 for the duration of the promotion. So, if you sign-up through my link below for either a 360 Savings account or 360 Checking account, I will earn $40. If you choose to use my link, thank you!

Home Loans
You can receive up to $1,776 towards your closing costs when you sign-up for and are approved for a mortgage through Capital One by 7/3/14.

Spark Pay
This is a credit card reader for small businesses where you can earn $176 after swiping $7,600 in 76 days. There is a $9.99 monthly fee, but other than that it’s a pretty decent deal.

You can earn $100 bonus when you fund you’re ShareBuilder account with $5,000. If you fund it with more than $100, you can earn up to $1,076.

You can sign-up for the Capital One 360 Checking and Savings here. If you want to sign-up for any of the other promotions or don’t want to use my referral link, you can go here.

Happy Monday everyone!

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