American Express vs. Capital One
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | American ExpressHigh Yield Savings Account Jan 21, 2026 | Capital One360 Performance Savings Jan 21, 2026 |
|---|---|---|
| APY | 3.30% | 3.30% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$165 $10,000+$330 $25,000+$825 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppZelle® Supported | 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 American Express vs. Capital One
As of both American Express (High Yield Savings Account) and Capital One (360 Performance Savings) offer an APY of 3.30% .
Both banks yield $330 in interest on a $10,000 balance after one year. Neither has an APY advantage, so consider other features (fees, access, app ratings, etc.) when choosing.
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 as of
Both American Express and Capital One offer competitive savings accounts with an APY of 3.30%. American Express features a High Yield Savings Account, which is online-only and has no minimum deposit or maintenance fees, compounding interest daily. Similarly, Capital One's 360 Performance Savings account also has no minimum deposit or fees, but it compounds interest monthly and is not exclusively online. Since both accounts have the same APY, they are comparable options for savers looking for high-yield savings accounts.
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
American Express vs. Capital One Savings Calculator
Both accounts earn exactly the same amount.
American Express
High Yield Savings Account
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
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 | American Express | Capital One |
|---|---|---|
| APY | 3.30% Verified: 1/21/2026 ↘︎ 0.20%90d Change | 3.30% Verified: 1/21/2026 ↘︎ 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 |
| Zelle® Support | Available Requires Amex Rewards Checking; not available for standalone HYSA. | Available Limit: $2,500/dayAvailable for 360 Checking accounts. |
| BBB Rating | F | A+ |
| Next Steps | Visit SiteVerify at American Express 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 | American Express | Capital One |
|---|---|---|
| High Yield Savings Account | 360 Performance Savings | |
Current APY | 3.30% | 3.30% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.6 | -3.4 |
Days Since Change | 22 | 13 |
12-Month High | 3.80% | 3.80% |
12-Month Low | 3.30% | 3.30% |
Adjustments / Mo | 0.41 | 0.41 |
Volatility Score | 0.038 | 0.036 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare American Express vs...
Comparing against Standard Savings
Compare Capital One vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.