Affirm vs. Capital One
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | AffirmAffirm Money Account Jan 16, 2026 | Capital One360 Performance Savings Jan 16, 2026 |
|---|---|---|
| APY | 3.20% | 3.30% |
Est. Earnings | $5,000+$160 $10,000+$320 $25,000+$800 | $5,000+$165 $10,000+$330 $25,000+$825 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | While Affirm is not a bank, it is FDIC-insured through partner Cross River Bank. | - |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.
Comparison Analysis
Comparing Affirm vs. Capital One
As of Affirm offers an APY of 3.20% for its Affirm Money Account, with a minimum balance of $0, compared to Capital One's 3.30% APY for its 360 Performance Savings account, with a minimum balance of $0.
Capital One pays $10 more than Affirm on a $10,000 balance after one year. Affirm pays $320, while Capital One pays $330 - an APY advantage for Capital One.
Why Affirm?
No distinct advantages found vs Capital One.
Why Capital One?
- ✓Physical branch access (Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.)
- ✓Fast transfers via Zelle® (up to $2,500 a day)
Shared Benefits
Over a 1-year period, Capital One's 360 Performance Savings pays $10 more interest on a $10,000 balance than Affirm's Affirm Money Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Capital One offers the 360 Performance Savings account with a competitive APY of 3.30%, making it the winner in this comparison. In contrast, Affirm's Money Account provides a slightly lower APY of 3.20%. Both accounts have no minimum deposit or maintenance fees and are FDIC-insured. While Affirm operates online-only, Capital One provides both online and potential physical branch access. Neither account requires direct deposit, making them accessible options for savers.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Affirm vs. Capital One Savings Calculator
You earn $10 more with Capital One than Affirm on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Affirm
Affirm Money Account
Savings Breakdown
- Interest Earned+$320.00(3.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,320.00
Capital One
360 Performance Savings
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Affirm | Capital One |
|---|---|---|
| APY | 3.20% Verified: 1/16/2026 ↘︎ 0.40%90d Change | 3.30% Verified: 1/16/2026 ↘︎ 0.10%90d Change |
| Product Name | Affirm Money Account | 360 Performance Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.8 | iOS4.9 Android4.5 |
| Zelle® Support | Not Supported | Available Limit: $2,500/dayAvailable for 360 Checking accounts. |
| BBB Rating | A+ | A+ |
| Important Notes | While Affirm is not a bank, it is FDIC-insured through partner Cross River Bank. | - |
| Next Steps | Visit SiteVerify at Affirm Non-sponsored link to official site | Visit SiteVerify at Capital One Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Affirm | Capital One |
|---|---|---|
| Affirm Money Account | 360 Performance Savings | |
Current APY | 3.20% | 3.30% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.9 | -3.4 |
Days Since Change | 10 | 8 |
12-Month High | 3.85% | 3.80% |
12-Month Low | 3.20% | 3.30% |
Adjustments / Mo | 0.33 | 0.42 |
Volatility Score | 0.043 | 0.036 |
How to read these metrics(Click to expand)
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