Capital One vs. Marcus by Goldman Sachs
Comparing Capital One and Marcus by Goldman Sachs for high-yield savings: Capital One's 360 Performance Savings pays 3.20% APY while Marcus by Goldman Sachs's Marcus Online Savings Account pays 3.50% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Marcus by Goldman Sachs pays $30 more than Capital One annually ($350 vs $320).
Choose Capital One if you value in-person banking, or you want Zelle for quick transfers. Choose Marcus by Goldman Sachs if getting the best rate matters most.
| Metric | Capital One360 Performance Savings Apr 21, 2026 | Marcus by Goldman SachsMarcus Online Savings Account Apr 21, 2026 |
|---|---|---|
| APY | 3.20% | 3.50% |
Est. Earnings | $5,000+$160 $10,000+$320 $25,000+$800 | $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® SupportedRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingStable Rate |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.07% APY.
Comparison Analysis
Comparing Capital One vs. Marcus by Goldman Sachs
Executive Summary
Marcus by Goldman Sachs offers a competitive APY of 3.50% on its Marcus Online Savings Account, making it the winner in this comparison. This account is online-only and requires no minimum deposit, maintenance fees, or direct deposit. In contrast, Capital One's 360 Performance Savings account provides a lower APY of 3.20% with similar terms, including no fees and a $0 minimum deposit. Both accounts are FDIC insured, but Marcus stands out for its higher yield and simplicity.
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?
- ✓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 Marcus by Goldman Sachs?
- ✓Higher potential APY (3.50% vs 3.20%) on all balances
- ✓Higher rated Android app (4.9 vs 4.5)
— 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. $350 vs $320/yr).
Better Returns at $25,000
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account pulls ahead with larger amounts (approx. $875 vs $800/yr).
Best for Simplicity
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account offers 3.50% 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 $30 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.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Capital One vs. Marcus by Goldman Sachs Savings Calculator
You earn $30 more with Marcus by Goldman Sachs 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+$320.00(3.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,320.00
Marcus by Goldman Sachs
Marcus Online 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.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $319 per year in interest.
Both Capital One and Marcus by Goldman Sachs dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Capital One | Marcus by Goldman Sachs |
|---|---|---|
| APY | 3.20% Verified: 4/21/2026 ↘︎ 0.10%90d Change | 3.50% Verified: 4/21/2026 ↘︎ 0.15%90d Change |
| Product Name | 360 Performance Savings | Marcus Online Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Monthly | Daily |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Physical Branches | Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C. | N/A |
| 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. | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Capital One Non-sponsored link to official site | Visit SiteVerify at Marcus by Goldman Sachs Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | Marcus by Goldman Sachs |
|---|---|---|
| 360 Performance Savings | Marcus Online Savings Account | |
Current APY | 3.20% | 3.50% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.5 | -0.4 |
Days Since Change | 40 | 0 |
12-Month High | 3.60% | 3.75% |
12-Month Low | 3.20% | 3.50% |
Adjustments / Mo | 0.33 | 0.16 |
Volatility Score | 0.037 | 0.008 |
How to read these metrics(Click to expand)
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