Capital One vs. Chase Bank
Comparing Capital One and Chase Bank for savings: Capital One's 360 Performance Savings pays 3.30% 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 $329 more than Chase Bank annually ($330 vs $1).
Choose Capital One if getting the best rate matters most.
| Metric | Capital One360 Performance Savings Mar 7, 2026 | Chase BankChase Savings℠ Mar 7, 2026 |
|---|---|---|
| APY | 3.30% | 0.01% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $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 4.15% APY.
Comparison Analysis
Comparing Capital One vs. Chase Bank
Executive Summary
Capital One's 360 Performance Savings stands out with a competitive APY of 3.30%, offering better returns compared to Chase Bank's Savings℠ account, which has a significantly lower APY of 0.01%. Both accounts have no minimum deposit or balance requirements and do not necessitate direct deposit. However, Chase Bank imposes a maintenance fee of $5 unless certain conditions are met. For those seeking simplicity and higher returns, Capital One's offering is clearly the better choice.
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 (3.30% 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. $330 vs $1/yr).
Better Returns at $25,000
Capital OneCapital One's 360 Performance Savings pulls ahead with larger amounts (approx. $825 vs $3/yr).
Best for Simplicity
Capital OneCapital One's 360 Performance Savings offers 3.30% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Capital One's 360 Performance Savings pays $329 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 $329 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+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
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 | 3.30% Verified: 3/7/2026 ↘︎ 0.10%90d Change | 0.01% Verified: 3/7/2026 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 | 3.30% | 0.01% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.3 | -0.0 |
Days Since Change | 58 | 365 |
12-Month High | 3.70% | 0.01% |
12-Month Low | 3.30% | 0.01% |
Adjustments / Mo | 0.33 | 0.00 |
Volatility Score | 0.035 | 0.000 |
How to read these metrics(Click to expand)
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