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Capital One Wants YOU to Declare Your Financial Independence

June 30, 2014 at 11:39 AM EDT
Salute the Ways You Save for the Chance to Win $1,776;
Get Sparkling Banking and Investing Bonuses during the Annual Financial Independence Days Sale

MCLEAN, Va., June 30, 2014 /PRNewswire/ -- This summer Capital One is celebrating financial independence from sea to shining sea with the #my360independence sweepstakes, and like hot dogs and fireworks,  Capital One Financial Independence Days Sale continues a summertime tradition of offering special bonuses for savers, small businesses and home buyers, as well as investing bonuses from ShareBuilder.

Americans can enter the #my360independence sweepstakes for a chance to win daily prizes of $1,776 by submitting a picture or post demonstrating how they achieve financial independence. This year, there are more star spangled bonuses available with the fifth annual Financial Independence Days Sale running June 30 through July 3, with offers across Capital One products and services.

"Regardless of how you define financial independence, with the #my360independence sweepstakes, Capital One celebrates the everyday choices you make as you chart a course toward financial freedom," said Jim Kelly, Head of Direct Bank, Capital One. "The goal of our Financial Independence Days Sale is to boost Americans' savings and help get them on the right fiscal track with fee-free products, sale specials and savings tips and tools. This summer's sweepstakes and Sale make it even easier to achieve that sought-after independence."

Declare #my360independence

Whether packing a lunch, riding a bike to work, or skipping the coffee shop and brewing your own java, Capital One 360 wants to salute the ways you save through its #my360independence sweepstakes.

  • Visit and share a pic or post for a chance to win a daily cash prize of $1,776 through July 14.
  • From June 30July 3 we are upping the ante – ten lucky savers will win $1,776 each day!*

Financial Independence Days Sale Bonuses Include (see full bonus disclaimers below):

For Savers & Spenders

$100 bonus when you make 5 360 Checking Debit Card purchases or CheckmateSM deposits in the first 45 days of opening your new account

$76 bonus when you open a 360 Savings account with at least $500

$40 bonus for each friend that existing customers refer who opens a Capital One 360 account as a new Customer.

For Home Buyers

$1,776 off closing costs with Capital One Home Loans


For Investors

Available at:


Use FIDS2014*INVEST for new accounts

Use 2014FIDS*INVEST for existing accounts

Up to $1,076 bonus when new and existing Capital One ShareBuilder customers fund their account:

·         $100 bonus for a $5,000 deposit

·         $276 bonus for a $25,000 deposit

·         $376 bonus for a $50,000 deposit

·         $676 bonus for a $125,000 deposit

·         $1,076 bonus for a $250,000 deposit

For Small Businesses

Use SP76 during enrollment

$176 bonus when you start using Spark Pay and swipe $7,600 in your first 76 days


To enter the #my360independence sweepstakes visit To learn more about the Financial Independence Days Sale visit

* NO PURCHASE NECESSARY TO ENTER OR WIN. Open only to legal residents of the 50 United States or the District of Columbia who are 18 years of age or older. Void where prohibited. Sweepstakes begins at or about 12:00:00 pm ET on 6/20/14 and ends at 11:59:59 pm ET on 7/14/14. Read the complete Official Rules.

About Capital One

Capital One Financial Corporation ( is a financial holding company whose subsidiaries, which include Capital One, N.A., and Capital One Bank (USA), N. A., had $208.3 billion in deposits and $290.5 billion in total assets as of March 31, 2014. Headquartered in McLean, Virginia, Capital One offers a broad spectrum of financial products and services to consumers, small businesses and commercial clients through a variety of channels. Capital One, N.A. has approximately 900 branch locations primarily in New York, New Jersey, Texas, Louisiana, Maryland, Virginia and the District of Columbia. A Fortune 500 company, Capital One trades on the New York Stock Exchange under the symbol "COF" and is included in the S&P 100 index.

Capital One 360 Disclaimer

360 Checking®:

This has to be your and your joint account holder's (if you have one) first 360 Checking account. Open 360 Checking from June 30th—July 3rd and make a total of 5 Debit Card purchases or 5 CheckMate(SM) deposits or any combination of the two within 45 days. Your $100 bonus will be automatically deposited into your account on day 50. Rates are variable. Annual Percentage Yields (APY) are effective 6/30/2014.

0.20% for balances $0-$49,999.99

0.75% for balances $50,000-$99,999.99

0.80% for balances $100,000 or more

360 Savings®:

This has to be the primary account holder's first 360 Savings account and it needs a $500 minimum deposit. The bonus starts earning interest on day 1, but you can't take it out for at least 30 days.

0.75% variable Annual Percentage Yields effective 6/30/2014.

Refer a Friend:

You have to be a 360 Savings® or 360 Checking® Customer, and your friends can't be existing Capital One 360 Customers. You'll get $40 for each person you refer who successfully opens a 360 Checking, 360 Savings, Kids Savings Account or MONEY using the link in the referral email or your personal referral link between June 30th and July 3rd. Your friends can earn bonuses, too, if they meet the bonus requirements.

Home Loans:

Advertised discount available only on applications submitted to Capital One 360 online or by phone between 6/30/14 and 7/3/14 that are funded. Advertised discount can only be applied toward payment of closing costs, up to a total amount of $1,776. Any portion of the discount amount not used toward closing costs will be waived. Advertised discount not available on home equity loans or home equity lines of credit.

Capital One, N.A. is an Equal Housing lender. Normal credit qualifications and other terms and conditions apply. This does not represent an offer to enter into a loan agreement. Loans subject to credit approval. Rates and terms are subject to change without notice.

Spark Pay Disclaimer

You can access the Spark Pay service after registering an account ("Spark Pay Account"). Credit qualifications and other conditions apply. To register for Spark Pay you must be at least 18 year of age, have an address within the United States and have a valid checking account number and routing information linked to your Spark Pay account. Transaction rates and monthly subscription vary by card carrier and depend on the Spark Pay plan you are registered for (Go Plan or Pro Plan). Please refer to the FAQ page on qualify for the $176 account opening bonus, you must open a Spark Pay account between June 30, 2014 and July 3, 2014 using promo code SP76 during account opening and process a minimum of $7,600 in transactions within the first 76 days after you open your account. If you are eligible, we will credit the checking account you have linked to your Spark Pay services within 2-4 weeks after the transaction minimum has been met.

Your first card reader is at no cost to you. Additional card readers or replacement readers are subject to a charge.

To read the full terms and conditions, please see Spark Pay User Agreement.

ShareBuilder Disclaimer:

There are two steps to getting your cash bonus. First, open a new or fund an existing ShareBuilder Individual Retirement Account (IRA), Individual, Joint or Custodial account using promotion code FIDS2014*INVEST for new accounts, or 2014FIDS*INVEST for existing accounts by 7/03/2014. You must have a U.S. Tax I.D. (Social Security Number) to open a ShareBuilder account. Second, you must make a net deposit, transfer and/or roll over into your account within 90 days of entering the promotion code. Assets deposited must be valued at no less than $5,000 to be eligible for a $100 bonus, $25,000 for a $276 bonus, $50,000 for a $376 bonus, $125,000 for a $676 bonus, or $250,000 for a $1,076 bonus. Assets must be posted to your account within 90 days of entering the promotion code. Subject to restrictions listed below, ShareBuilder will add the bonus to your account within 4-6 weeks following the 90 day qualification window.

You should consult your tax or legal advisor about the IRS guidelines on contribution limits for IRAs and the appropriate tax treatment for this bonus. Any taxes related to Capital One ShareBuilder offers are your responsibility. The bonus is a cash award and will not be reported to the IRS as a contribution. The bonus is not available for withdrawal for 180 calendar days after it is awarded to your account. Assets transferred into the account to qualify for this promotion must remain in the account (minus any losses related to trading or market volatility) for at least nine (9) months or your award may be reclaimed by ShareBuilder. Transfers from an existing ShareBuilder account will not apply. Transfers from a Capital One 360 IRA to a ShareBuilder IRA are not eligible for this promotion. This offer is not valid with any other offer and is non-transferable. Limit one ShareBuilder account bonus per unique customer or custodial beneficiary. ShareBuilder reserves the right to terminate this offer at any time and to refuse or recover any promotion aware if we determine that it was obtained under wrongful or fraudulent circumstances, that inaccurate or incomplete information was provided in opening the account, or that any terms of ShareBuilder's Account Agreement have been violated. Offer expires 7/03/2014.

The above entities are affiliated companies of Capital One Financial Corporation. Each are separate legal entities and are responsible for their own products and services.

Securities products are offered by Capital One ShareBuilder, Inc., a registered broker-dealer and Member FINRA/SIPC. Capital One ShareBuilder, Inc. is a subsidiary of Capital One Financial Corporation.

Securities products are: Not FDIC insured · Not bank guaranteed · May lose value

Banking services are provided by Capital One, N.A., Member FDIC.

Mortgage products and services are offered by Capital One, N.A., NMLS ID 453156.

®2014 Capital One. Capital One is a federally registered service trademark. All rights reserved.

Capital One 360

P.O. Box 360

Wilmington, Delaware


SOURCE Capital One Financial Corporation

Laura DiLello, 215-982-0200,