Capital One vs. Wealthfront
Compare rates, requirements, and features side-by-side to find the best option for you.
Capital One
360 Performance Savings
3.40%APYDec 12, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Capital One
360 Performance Savings
Wealthfront
Cash Account
Up to4.15%APYDec 12, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppRange: 3.50% – 4.15%Show Fine Print & Trends Hide Details
Wealthfront
Cash Account
Capital One vs. Wealthfront Savings Calculator
You earn $75 more with Wealthfront 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+$340.00(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,340.00
Wealthfront
Cash Account
Savings Breakdown
- Interest Earned+$415.00(4.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,415.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Capital One vs. Wealthfront
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.)
Why Wealthfront?
- ✓Higher potential APY (4.15% vs 3.40%) on all balances
- ✓Higher rated Android app (4.9 vs 4.5)
— Key Feature Differences —
Better Returns at $10,000
WealthfrontWealthfront's Cash Account earns more on smaller deposits (approx. $415 vs $340/yr).
Better Returns at $25,000
WealthfrontWealthfront's Cash Account pulls ahead with larger amounts (approx. $1038 vs $850/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, Wealthfront's Cash Account pays $75 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
Wealthfront offers a Cash Account with a competitive APY of 4.15%, significantly higher than Capital One's 360 Performance Savings, which provides an APY of 3.40%. Wealthfront's account is online-only and does not require a minimum deposit or direct deposit, making it accessible for new clients, although the higher rate is only guaranteed for the first three months before dropping to 3.50%. In contrast, Capital One's product is straightforward with no fees or minimum balances, but it yields less. For those looking for the best return, Wealthfront is the clear choice.
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
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| Feature | Capital One | Wealthfront |
|---|---|---|
| APY | 3.40% Verified: 12/12/2025 ↘︎ 0.10%90d Change | 4.15% Range: 3.50% - 4.15% Verified: 12/12/2025 - |
| Product Name | 360 Performance Savings | Cash 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 Android4.9 |
| BBB Rating | A+ | F |
| Important Notes | - | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 4.15% for 3 months, after which the 3.50% APY applies. See terms at Wealthfront. |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | Wealthfront |
|---|---|---|
| 360 Performance Savings | Cash Account | |
Current APY | 3.40% | 4.15% |
Trend | Stable | Stable |
Velocity (bps/mo) | -0.0 | -0.0 |
Days Since Change | 28 | 28 |
1-Month High | 3.40% | 4.15% |
1-Month Low | 3.40% | 4.15% |
Adjustments / Mo | 0.00 | 0.00 |
Volatility Score | 0.000 | 0.000 |
How to read these metrics(Click to expand)
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