Capital One vs. Upgrade
Compare rates, requirements, and features side-by-side to find the best option for you.
Capital One
360 Performance Savings
3.40%APYDec 10, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Capital One
360 Performance Savings
Upgrade
Premier Savings
3.05%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Upgrade
Premier Savings
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.
Capital One vs. Upgrade Savings Calculator
Capital One earns $220.9 more than Upgrade.
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
Upgrade
Premier Savings
Savings Breakdown
- Interest Earned+$1,829.60(9.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$19,829.60
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Capital One vs. Upgrade
Why Capital One?
- ✓Higher potential APY (3.40% vs 3.05%) on all balances
- ✓Physical branch access (Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.)
Why Upgrade?
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. $340 vs $305/yr).
Better Returns at $25,000
Capital OneCapital One's 360 Performance Savings pulls ahead with larger amounts (approx. $850 vs $763/yr).
Best for Simplicity
Capital OneCapital One's 360 Performance Savings offers 3.40% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Capital One's 360 Performance Savings pays $35 more interest on a $10,000 balance than Upgrade's Premier Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Capital One offers a competitive 360 Performance Savings account with a notable APY of 3.40%, making it the winner in this comparison. This account requires no minimum deposit or balance, and there are no maintenance fees or direct deposit requirements, providing a straightforward savings option. In contrast, Upgrade's Premier Savings account has a lower APY of 3.05% and requires a minimum balance of $1,000. While both accounts are FDIC insured, Capital One's account is not online-only, offering more flexibility.
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.
Stop Losing Interest
See who beats both Capital One and Upgrade.
| Feature | Capital One | Upgrade |
|---|---|---|
| APY | 3.40% Verified: 12/10/2025 ↘︎ 0.10%90d Change | 3.05% Verified: 12/10/2025 ↘︎ 0.97%90d Change |
| Product Name | 360 Performance Savings | Premier Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $1,000 |
| 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 | iOS4.9 Android4.5 |
| BBB Rating | A+ | A+ |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | Upgrade |
|---|---|---|
| 360 Performance Savings | Premier Savings | |
Current APY | 3.40% | 3.05% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.6 | -10.3 |
Days Since Change | 70 | 39 |
11-Month High | 3.80% | 4.14% |
11-Month Low | 3.40% | 3.05% |
Adjustments / Mo | 0.37 | 0.28 |
Volatility Score | 0.034 | 0.105 |
How to read these metrics(Click to expand)
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