Bread Savings vs. Capital One
Comparing Bread Savings and Capital One for high-yield savings: Bread Savings's High-Yield Savings Account pays 4.00% APY while Capital One's 360 Performance Savings pays 3.20% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Bread Savings pays $80 more than Capital One annually ($400 vs $320).
Choose Bread Savings if getting the best rate matters most. Choose Capital One if you value in-person banking, or you want Zelle for quick transfers.
| Metric | Bread SavingsHigh-Yield Savings Account Mar 24, 2026 | Capital One360 Performance Savings Mar 24, 2026 |
|---|---|---|
| APY | 4.00% | 3.20% |
Est. Earnings | $5,000+$200 $10,000+$400 $25,000+$1,000 | $5,000+$160 $10,000+$320 $25,000+$800 |
Min Deposit | $100 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedRate Changes Often |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing Bread Savings vs. Capital One
Executive Summary
Bread Savings offers a High-Yield Savings Account with a competitive APY of 4.00%, significantly outperforming Capital One's 360 Performance Savings account, which has an APY of 3.20%. Bread Savings's account requires a minimum deposit of $100, has no maintenance fees, and is online-only, making it a straightforward choice for savers. In contrast, Capital One's account has no minimum deposit requirement and is available with physical branch access. However, the higher yield from Bread Savings makes it the preferable option for those seeking better returns.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Bread Savings?
- ✓Higher potential APY (4.00% vs 3.20%) on all balances
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)
— Key Feature Differences —
Better Returns at $10,000
Bread SavingsBread Savings's High-Yield Savings Account earns more on smaller deposits (approx. $400 vs $320/yr).
Better Returns at $25,000
Bread SavingsBread Savings's High-Yield Savings Account pulls ahead with larger amounts (approx. $1000 vs $800/yr).
Best for Simplicity
Bread SavingsBread Savings's High-Yield Savings Account offers 4.00% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Bread Savings's High-Yield Savings Account pays $80 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.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Bread Savings vs. Capital One Savings Calculator
You earn $80 more with Bread Savings than Capital One 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.
Bread Savings
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$400.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,400.00
Capital One
360 Performance Savings
Savings Breakdown
- Interest Earned+$320.00(3.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,320.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $319 per year in interest.
Both Bread Savings and Capital One dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Bread Savings | Capital One |
|---|---|---|
| APY | 4.00% Verified: 3/24/2026 ↘︎ 0.05%90d Change | 3.20% Verified: 3/24/2026 ↘︎ 0.20%90d Change |
| Product Name | High-Yield Savings Account | 360 Performance Savings |
| Minimum Deposit | $100 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Monthly |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Physical Branches | None | Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C. |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Available Limit: $2,500/dayAvailable for 360 Checking accounts. |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Bread Savings 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 | Bread Savings | Capital One |
|---|---|---|
| High-Yield Savings Account | 360 Performance Savings | |
Current APY | 4.00% | 3.20% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.6 | -3.3 |
Days Since Change | 67 | 12 |
12-Month High | 4.40% | 3.70% |
12-Month Low | 4.00% | 3.20% |
Adjustments / Mo | 0.66 | 0.41 |
Volatility Score | 0.031 | 0.036 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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More Comparisons
Compare Bread Savings' APY of 4.00% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Bread Savings vs Ally Bank | 3.20% | $0 |
| Bread Savings vs American Express | 3.20% | $0 |
| Bread Savings vs Axos Bank | 4.21% | $0 |
| Bread Savings vs Barclays | 3.85% | $0 |
| Bread Savings vs Chime | 3.00% | $0 |
| Bread Savings vs CIT Bank | 3.75% | $100 |
| Bread Savings vs Discover Bank | 3.30% | $0 |
| Bread Savings vs EverBank | 3.90% | $0 |
| Bread Savings vs Marcus by Goldman Sachs | 3.65% | $0 |
| Bread Savings vs Newtek Bank | 4.20% | $0.01 |
| Bread Savings vs Openbank | 4.09% | $500 |
| Bread Savings vs Pibank | 4.60% | $0 |
| Bread Savings vs SoFi Bank | 4.00% | $0 |
| Bread Savings vs Synchrony Bank | 3.50% | $0 |
| Bread Savings vs Varo Bank | 5.00% | $0 |
| Bread Savings vs Wealthfront | 4.20% | $0 |