Capital One vs. Marcus by Goldman Sachs
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
Marcus by Goldman Sachs
Marcus Online Savings Account
3.65%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Marcus by Goldman Sachs
Marcus Online Savings Account
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. Marcus by Goldman Sachs
Why Capital One?
- ✓Physical branch access (Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.)
- ✓Higher rated Android app (4.5 vs 4.2)
Why Marcus by Goldman Sachs?
- ✓Higher potential APY (3.65% vs 3.40%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account earns more on smaller deposits (approx. $365 vs $340/yr).
Better Returns at $25,000
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account pulls ahead with larger amounts (approx. $913 vs $850/yr).
Best for Simplicity
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account offers 3.65% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Marcus by Goldman Sachs's Marcus Online Savings Account pays $25 more interest on a $10,000 balance than Capital One's 360 Performance Savings.
Executive Summary
Marcus by Goldman Sachs offers the highest APY with its Marcus Online Savings Account, providing a competitive 3.65%. This account is online-only and requires no minimum deposit or balance, making it accessible for all. In comparison, Capital One's 360 Performance Savings offers a slightly lower APY of 3.40%, also with no minimums or fees. While both accounts do not require direct deposit, Marcus stands out for its higher yield and daily compounding frequency, which may enhance savings growth.
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.
Top Market Contenders
See who beats both Capital One and Marcus by Goldman Sachs.
| Feature | Capital One | Marcus by Goldman Sachs |
|---|---|---|
| APY | 3.40% Verified: 12/6/2025 ↘︎ 0.10%90d Change | 3.65% Verified: 12/6/2025 Stable (90d) |
| Product Name | 360 Performance Savings | Marcus Online Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.5 | iOS4.8 Android4.2 |
| BBB Rating | A+ | A+ |
| Next Steps |
Savings Comparison
Marcus by Goldman Sachs earns $159.2 more than Capital One.
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
Marcus by Goldman Sachs
Marcus Online Savings Account
Savings Breakdown
- Interest Earned+$2,209.70(10.9%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,209.70
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 | Marcus by Goldman Sachs |
|---|---|---|
| 360 Performance Savings | Marcus Online Savings Account | |
Current APY | 3.40% | 3.65% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.5 | -2.5 |
Days Since Change | 66 | 192 |
10-Month High | 3.80% | 3.90% |
10-Month Low | 3.40% | 3.65% |
Adjustments / Mo | 0.38 | 0.19 |
Volatility Score | 0.032 | 0.025 |
How to read these metrics(Click to expand)
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