Hunting Happiness

Capital One has a new offer for online savings accounts that includes competitive rates plus points based on average balance.  With less than $10K, the rate is 2.75%, over $10K it jumps to a very competitive 3.75%.   In addition, you get one mile for each $20 of monthly average balance.  And if you start with a deposit of at least $500, you get 2500 bonus miles up front.

Sign up here