Capital One vs SoFiBank Bonus Comparison
Updated January 2026 • Side-by-side comparison
Compare Capital One and SoFi bank bonuses to see which offers better value. We analyze bonus amounts, requirements, fees, and ease of qualification to help you choose.
Disclosure: Some links are affiliate links. Rankings are based on bonus amount and ease, not compensation.
Our Pick for January 2026
Capital One wins
Capital One offers better overall value with higher bonuses and easier requirements.
74
Capital One
71
SoFi
| Feature | Capital One | SoFi |
|---|---|---|
| Highest Bonus | $300 | $300 |
| Total Offers | 1 | 1 |
| Ease Score | Easy✓ | Easy |
| Direct Deposit | $500/mo | Required |
| Monthly Fee | $0 | $0 |
| Availability | Nationwide | Nationwide |
Capital One Bonuses
SoFi Bonuses
💡 Our Verdict
Capital One is the better choice in January 2026 if you're looking for bank bonuses. With a top bonus of $300 and 1 total offers, it provides more opportunities than SoFi.
However, SoFi still offers $300 and could be a good choice if you've already earned the Capital One bonus or don't qualify as a new customer.
Pro tip: You can earn bonuses from both banks if you qualify as a new customer at each!
Frequently Asked Questions
Is Capital One or SoFi bonus better?
Capital One offers up to $300 while SoFi offers up to $300. Capital One scores higher overall when considering bonus amount, ease, and fees.
Can I get both Capital One and SoFi bonuses?
Yes! You can open accounts at both Capital One and SoFi to earn both bonuses, as long as you meet each bank's eligibility requirements (typically being a new customer who hasn't had an account recently).
Which bank has easier bonus requirements?
Capital One has easier requirements with an "Easy" rating compared to SoFi's "Easy" rating.