Capital One vs. Chase Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Capital One
360 Performance Savings
3.40%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Capital One
360 Performance Savings
Chase Bank
Chase Savings℠
0.01%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Chase Bank
Chase 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.
Comparison Analysis
Comparing Capital One vs. Chase Bank
Why Capital One?
- ✓Higher potential APY (3.40% vs 0.01%) on all balances
- ✓No checking account or direct deposit required
- ✓Physical branch access (Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.)
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. $340 vs $1/yr).
Better Returns at $25,000
Capital OneCapital One's 360 Performance Savings pulls ahead with larger amounts (approx. $850 vs $3/yr).
Best for Simplicity
Capital OneCapital One's 360 Performance Savings offers 3.40% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Capital One's 360 Performance Savings pays $339 more interest on a $10,000 balance than Chase Bank's Chase Savings℠.
Executive Summary
Capital One's 360 Performance Savings stands out with a competitive APY of 3.40%, offering better returns compared to Chase Bank's Savings℠ account, which yields only 0.01%. Capital One's product does not require a direct deposit and has no maintenance fees, making it an attractive option for savers. In contrast, Chase Bank's account incurs a $5 maintenance fee unless certain conditions are met. Overall, Capital One provides a significantly higher return on savings, making it the preferred choice for those looking to maximize their interest earnings.
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 Capital One and Chase Bank.
| Feature | Capital One | Chase Bank |
|---|---|---|
| APY | 3.40% Verified: 12/6/2025 ↘︎ 0.10%90d Change | 0.01% Verified: 12/6/2025 Stable (90d) |
| Product Name | 360 Performance Savings | Chase Savings℠ |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $5 |
| Branch Access | Yes | Yes |
| Account Type | Online & Branches | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.5 | iOS4.8 Android4.6 |
| 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 |
Savings Comparison
Capital One earns $2,044.8 more than Chase Bank.
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
Chase Bank
Chase Savings℠
Savings Breakdown
- Interest Earned+$5.70(0.0%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$18,005.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | Chase Bank |
|---|---|---|
| 360 Performance Savings | Chase Savings℠ | |
Current APY | 3.40% | 0.01% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.5 | -0.0 |
Days Since Change | 66 | 311 |
10-Month High | 3.80% | 0.01% |
10-Month Low | 3.40% | 0.01% |
Adjustments / Mo | 0.39 | 0.00 |
Volatility Score | 0.032 | 0.000 |
How to read these metrics(Click to expand)
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