American Express vs. Capital One
Compare rates, requirements, and features side-by-side to find the best option for you.
American Express
High Yield Savings Account
3.40%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppShow Fine Print & Trends Hide Details
American Express
High Yield Savings Account
Capital One
360 Performance Savings
3.40%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Capital One
360 Performance Savings
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.
Comparison Analysis
Comparing American Express vs. Capital One
Why American Express?
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.)
- ✓Higher rated Android app (4.5 vs 3.6)
Shared Benefits
Executive Summary
Both American Express and Capital One offer competitive high-yield savings accounts with an APY of 3.40%. American Express's High Yield Savings Account is online-only and requires no minimum deposit or balance, while also having no maintenance fees. Capital One's 360 Performance Savings account shares similar features, including no minimum deposit and maintenance fees, but is not exclusively online. With rates being nearly identical, either option could be suitable depending on the preference for online banking.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
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| Feature | American Express | Capital One |
|---|---|---|
| APY | 3.40% Verified: 12/6/2025 ↘︎ 0.10%90d Change | 3.40% Verified: 12/6/2025 ↘︎ 0.10%90d Change |
| Product Name | High Yield Savings 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 Android3.6 | iOS4.9 Android4.5 |
| BBB Rating | F | A+ |
| Next Steps |
Savings Comparison
Both accounts earn exactly the same amount.
American Express
High Yield Savings Account
Savings Breakdown
- Interest Earned+$2,050.50(10.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,050.50
Capital One
360 Performance Savings
Savings Breakdown
- Interest Earned+$2,050.50(10.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,050.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | American Express | Capital One |
|---|---|---|
| High Yield Savings Account | 360 Performance Savings | |
Current APY | 3.40% | 3.40% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.3 | -3.6 |
Days Since Change | 10 | 66 |
10-Month High | 3.80% | 3.80% |
10-Month Low | 3.40% | 3.40% |
Adjustments / Mo | 0.38 | 0.38 |
Volatility Score | 0.030 | 0.033 |
How to read these metrics(Click to expand)
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