Bread Savings vs. Capital One
Compare rates, requirements, and features side-by-side to find the best option for you.
Bread Savings
High-Yield Savings Account
4.10%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Bread Savings
High-Yield Savings Account
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.
Bread Savings vs. Capital One Savings Calculator
Bread Savings earns $448.9 more than Capital One.
Bread Savings
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,499.40(12.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,499.40
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 Bread Savings vs. Capital One
Why Bread Savings?
- ✓Higher potential APY (4.10% vs 3.40%) 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.)
— Key Feature Differences —
Better Returns at $10,000
Bread SavingsBread Savings's High-Yield Savings Account earns more on smaller deposits (approx. $410 vs $340/yr).
Better Returns at $25,000
Bread SavingsBread Savings's High-Yield Savings Account pulls ahead with larger amounts (approx. $1025 vs $850/yr).
Best for Simplicity
Bread SavingsBread Savings's High-Yield Savings Account offers 4.10% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Bread Savings's High-Yield Savings Account pays $70 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
Bread Savings offers a High-Yield Savings Account with a competitive APY of 4.10%, making it the clear winner compared to Capital One's 360 Performance Savings, which has an APY of 3.40%. Bread Savings's account is online-only, requires a minimum deposit of $100, and has no maintenance fees, providing better returns for both smaller and larger deposits. In contrast, Capital One's account has no minimum deposit requirement and is not exclusively online. However, the higher APY from Bread Savings makes it a more attractive option for savers.
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.
Top Market Contenders
See who beats both Bread Savings and Capital One.
| Feature | Bread Savings | Capital One |
|---|---|---|
| APY | 4.10% Verified: 12/10/2025 ↘︎ 0.15%90d Change | 3.40% Verified: 12/10/2025 ↘︎ 0.10%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 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.7 Android4.5 | iOS4.9 Android4.5 |
| BBB Rating | A+ | A+ |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Bread Savings | Capital One |
|---|---|---|
| High-Yield Savings Account | 360 Performance Savings | |
Current APY | 4.10% | 3.40% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.6 | -3.6 |
Days Since Change | 5 | 70 |
11-Month High | 4.40% | 3.80% |
11-Month Low | 4.10% | 3.40% |
Adjustments / Mo | 0.56 | 0.37 |
Volatility Score | 0.020 | 0.034 |
How to read these metrics(Click to expand)
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