Betterment vs. Capital One
Compare rates, requirements, and features side-by-side to find the best option for you.
Betterment
Cash Reserve
3.50%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Betterment
Cash Reserve
Capital One
360 Performance Savings
3.40%APYDec 10, 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.
Betterment vs. Capital One Savings Calculator
Betterment earns $63.6 more than Capital One.
Betterment
Cash Reserve
Savings Breakdown
- Interest Earned+$2,114.10(10.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,114.10
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.
Comparison Analysis
Comparing Betterment vs. Capital One
Why Betterment?
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.)
— Key Feature Differences —
Better Returns at $10,000
BettermentBetterment's Cash Reserve earns more on smaller deposits (approx. $350 vs $340/yr).
Shared Benefits
Over a 1-year period, Betterment's Cash Reserve pays $10 more interest on a $10,000 balance than Capital One's 360 Performance Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Betterment offers a competitive savings option with its Cash Reserve account, boasting an APY of 3.50%. This account is online-only, requires a minimum deposit of $10, and has no maintenance fees. In comparison, Capital One's 360 Performance Savings account provides a slightly lower APY of 3.40%. This account is accessible online and has no minimum deposit or balance requirements. While both accounts do not require direct deposit, Betterment's Cash Reserve stands out as the winner due to its higher yield.
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.
Stop Losing Interest
See who beats both Betterment and Capital One.
| Feature | Betterment | Capital One |
|---|---|---|
| APY | 3.50% Verified: 12/10/2025 ↘︎ 0.50%90d Change | 3.40% Verified: 12/10/2025 ↘︎ 0.10%90d Change |
| Product Name | Cash Reserve | 360 Performance Savings |
| Minimum Deposit | $10 | $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 | iOS4.8 Android4.7 | iOS4.9 Android4.5 |
| BBB Rating | A- | A+ |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Betterment | Capital One |
|---|---|---|
| Cash Reserve | 360 Performance Savings | |
Current APY | 3.50% | 3.40% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.5 | -3.6 |
Days Since Change | 39 | 70 |
11-Month High | 4.00% | 3.80% |
11-Month Low | 3.50% | 3.40% |
Adjustments / Mo | 0.19 | 0.37 |
Volatility Score | 0.049 | 0.034 |
How to read these metrics(Click to expand)
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