Capital One vs. Chase Bank
Comparing Capital One and Chase Bank for savings: Capital One's 360 Performance Savings pays 3.20% APY while Chase Bank's Chase Savings℠ pays 0.01% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Capital One pays $319 more than Chase Bank annually ($320 vs $1).
Choose Capital One if getting the best rate matters most.
| Metric | Capital One360 Performance Savings Apr 21, 2026 | Chase BankChase Savings℠ Apr 21, 2026 |
|---|---|---|
| APY | 3.20% | 0.01% |
Est. Earnings | $5,000+$160 $10,000+$320 $25,000+$800 | $5,000+$1 $10,000+$1 $25,000+$3 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedStable Rate |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.07% APY.
Comparison Analysis
Comparing Capital One vs. Chase Bank
Executive Summary
Capital One's 360 Performance Savings stands out with a competitive APY of 3.20%, offering better returns on deposits compared to Chase Bank's Savings℠ account, which yields only 0.01%. Capital One's account has no maintenance fees, direct deposit requirements, or minimum balance stipulations, making it an attractive option for savers. In contrast, Chase's account incurs a $5 monthly maintenance fee unless certain conditions are met. Overall, Capital One provides a significantly higher yield and more favorable terms for savers.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Capital One?
- ✓Higher potential APY (3.20% vs 0.01%) on all balances
- ✓No checking account or direct deposit required
Why Chase Bank?
No distinct advantages found vs Capital One.
— Key Feature Differences —
Better Returns at $10,000
Capital OneCapital One's 360 Performance Savings earns more on smaller deposits (approx. $320 vs $1/yr).
Better Returns at $25,000
Capital OneCapital One's 360 Performance Savings pulls ahead with larger amounts (approx. $800 vs $3/yr).
Best for Simplicity
Capital OneCapital One's 360 Performance Savings offers 3.20% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Capital One's 360 Performance Savings pays $319 more interest on a $10,000 balance than Chase Bank's Chase 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
Capital One vs. Chase Bank Savings Calculator
You earn $319 more with Capital One than Chase Bank 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.
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
Chase Bank
Chase Savings℠
Savings Breakdown
- Interest Earned+$1.00(0.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,001.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Capital One | Chase Bank |
|---|---|---|
| APY | 3.20% Verified: 4/21/2026 ↘︎ 0.10%90d Change | 0.01% Verified: 4/21/2026 Stable (90d) |
| Product Name | 360 Performance Savings | Chase Savings℠ |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $5 |
| Compound Frequency | Monthly | Monthly |
| Branch Access | Yes | Yes |
| Account Type | Online & Branches | Online & Branches |
| Physical Branches | Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C. | Chase has more than 5,000 branches in nearly all of the United States, but not in Alaska and Hawaii. |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Limit: $2,500/dayAvailable for 360 Checking accounts. | Available Limit: $2,000/dayBranded as Chase QuickPay; dynamic limits up to $10k. |
| BBB Rating | A+ | A- |
| Important Notes | - | APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. |
| Next Steps | Visit SiteVerify at Capital One Non-sponsored link to official site | Visit SiteVerify at Chase Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | Chase Bank |
|---|---|---|
| 360 Performance Savings | Chase Savings℠ | |
Current APY | 3.20% | 0.01% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.5 | 0.0 |
Days Since Change | 40 | 365 |
12-Month High | 3.60% | 0.01% |
12-Month Low | 3.20% | 0.01% |
Adjustments / Mo | 0.33 | 0.00 |
Volatility Score | 0.037 | 0.000 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Capital One's APY of 3.20% with other banks
Compare Chase Bank's APY of 0.01% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Chase Bank vs Ally Bank | 3.10% | $0 |
| Chase Bank vs American Express | 3.20% | $0 |
| Chase Bank vs Axos Bank | 4.21% | $0 |
| Chase Bank vs Barclays | 3.75% | $0 |
| Chase Bank vs Chime | 3.00% | $0 |
| Chase Bank vs CIT Bank | 3.75% | $100 |
| Chase Bank vs Discover Bank | 3.30% | $0 |
| Chase Bank vs EverBank | 3.90% | $0 |
| Chase Bank vs Marcus by Goldman Sachs | 3.50% | $0 |
| Chase Bank vs Newtek Bank | 4.20% | $0.01 |
| Chase Bank vs Openbank | 4.00% | $500 |
| Chase Bank vs Pibank | 4.40% | $0 |
| Chase Bank vs SoFi Bank | 4.00% | $0 |
| Chase Bank vs Synchrony Bank | 3.40% | $0 |
| Chase Bank vs Varo Bank | 5.00% | $0 |
| Chase Bank vs Wealthfront | 4.20% | $0 |