Capital One vs. Chime
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Capital One360 Performance Savings Jan 21, 2026 | ChimeChime High-Yield Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 3.30% | 1.00% - 3.50% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$175 $10,000+$350 $25,000+$875 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDirect Deposit ReqChecking Bundle |
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. Chime
As of Capital One offers an APY of 3.30% for its 360 Performance Savings account, with a minimum balance of $0, compared to Chime's 3.50% APY for its Chime High-Yield Savings Account, with a minimum balance of $0.01.
Chime pays $20 more than Capital One on a $10,000 balance after one year. Capital One pays $330, while Chime pays $350 - an APY advantage for Chime.
Why Capital One?
- ✓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.)
- ✓Fast transfers via Zelle® (up to $2,500 a day)
Why Chime?
- ✓Higher potential APY (3.50% vs 3.30%) on all balances
— Key Feature Differences —
Better Returns at $10,000
ChimeChime's Chime High-Yield Savings Account earns more on smaller deposits (approx. $350 vs $330/yr).
Better Returns at $25,000
ChimeChime's Chime High-Yield Savings Account pulls ahead with larger amounts (approx. $875 vs $825/yr).
Best for Simplicity
Capital OneCapital One's 360 Performance Savings offers 3.30% APY with no bundling, direct deposit requirement or caps.
Best for All-in-One Banking
ChimeChime's Chime High-Yield Savings Account pays a superior APY for customers who also open a checking account.
Shared Benefits
Over a 1-year period, Chime's Chime High-Yield Savings Account pays $20 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 as of
Chime's High-Yield Savings Account offers a competitive 3.50% APY, making it the winner among the two banks compared. This account requires a qualifying direct deposit of $200 or more within the preceding 34 days and is available online only. In contrast, Capital One's 360 Performance Savings provides a solid 3.30% APY with no direct deposit requirement, making it a straightforward option for savers. Both accounts have no maintenance fees and low minimum deposit requirements, but Chime's higher APY gives it an edge for those who can meet the direct deposit condition.
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. Chime Savings Calculator
You earn $20 more with Chime than Capital One 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
Chime
Chime High-Yield Savings Account
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Capital One | Chime |
|---|---|---|
| APY | 3.30% Verified: 1/21/2026 ↘︎ 0.10%90d Change | 3.50% Range: 1.00% - 3.50% Verified: 1/21/2026 Stable (90d) |
| Product Name | 360 Performance Savings | Chime High-Yield Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $0 | $0 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | RequiredYou need to receive a qualifying direct deposit of $200 or more within the preceding 34 days |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.9 Android4.5 | iOS4.8 Android4.8 |
| Zelle® Support | Available Limit: $2,500/dayAvailable for 360 Checking accounts. | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Capital One Non-sponsored link to official site | Visit SiteVerify at Chime Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | Chime |
|---|---|---|
| 360 Performance Savings | Chime High-Yield Savings Account | |
Current APY | 3.30% | 3.50% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.3 | 8.5 |
Days Since Change | 13 | 97 |
12-Month High | 3.80% | 3.75% |
12-Month Low | 3.30% | 2.00% |
Adjustments / Mo | 0.42 | 0.17 |
Volatility Score | 0.035 | 0.175 |
How to read these metrics(Click to expand)
Compare Similar Alternatives
Compare Capital One vs...
Comparing against Standard Savings
Compare Chime vs...
Comparing against other Bundled Accounts