Capital One vs. Chase Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Capital One360 Performance Savings Jan 21, 2026 | Chase BankChase Savings℠ Jan 21, 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® Supported | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.
Comparison Analysis
Comparing Capital One vs. Chase Bank
As of Capital One offers an APY of 3.30% for its 360 Performance Savings account, with a minimum balance of $0, compared to Chase Bank's 0.01% APY for its Chase Savings℠ account, with a minimum balance of $0.
Capital One pays $329 more than Chase Bank on a $10,000 balance after one year. Capital One pays $330, while Chase Bank pays $1 - an APY advantage for Capital One.
Why Capital One?
- ✓Higher potential APY (3.30% 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. $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.
Executive Summary as of
Capital One offers a significant advantage with its 360 Performance Savings account, featuring a competitive APY of 3.30%, which is markedly higher than Chase Bank's Chase Savings℠ account at just 0.01%. Capital One's account requires no minimum deposit or balance, has no maintenance fees, and does not mandate direct deposit, making it an appealing choice for savers seeking simplicity. In contrast, Chase's account does have a maintenance fee that can be waived under certain conditions. Overall, Capital One's offering stands out as the clear winner based on the provided data.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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: 1/21/2026 ↘︎ 0.10%90d Change | 0.01% Verified: 1/21/2026 Stable (90d) |
| Product Name | 360 Performance Savings | Chase Savings℠ |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $5 |
| 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 Android4.7 |
| 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 | 13 | 357 |
12-Month High | 3.80% | 0.01% |
12-Month Low | 3.30% | 0.01% |
Adjustments / Mo | 0.42 | 0.00 |
Volatility Score | 0.035 | 0.000 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Capital One vs...
Comparing against Standard Savings
Compare Chase Bank vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.