Capital One vs. Wealthfront
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Capital One vs. Wealthfront
Key Metrics at a Glance
| Feature | Capital One | Wealthfront |
|---|---|---|
| Top Savings APY | 3.40% 360 Performance Savings | 4.15% Cash Account |
| Minimum to Open | $0 | $0 |
| Minimum Balance for Top APY | $0 | $0 |
| Note | 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. |
Capital One
Strengths
- Capital One offers a strong BBB rating of A+ and is BBB Accredited.
- Capital One has over 200 branches across multiple states for in-person banking.
- The 360 Performance Savings account has no minimum balance requirement.
Potential Drawbacks
- Capital One's current APY is lower at 3.40% compared to Wealthfront's 4.15%.
- Capital One does not have a direct deposit requirement, which may limit options.
Wealthfront
Strengths
- Wealthfront's Cash Account offers a higher APY of 4.15% for the first three months.
- Wealthfront has a higher Google Play rating of 4.9 compared to Capital One's 4.5.
Potential Drawbacks
- Wealthfront has an F BBB rating and is not BBB Accredited.
- Wealthfront has no physical branches, offering only online services.
→ As of November 12, 2025 Capital One offers an APY of 3.40% for its 360 Performance Savings account, with a minimum balance of $0, compared to Wealthfront's 4.15% APY for its Cash Account, with a minimum balance of $0.
→ Wealthfront yields $75 more than Capital One on a $10,000 balance after one year. Capital One pays $340, while Wealthfront pays $415 - an APY advantage for Wealthfront.
Calculate Savings Growth for Capital One vs Wealthfront
Capital One - 360 Performance Savings
Total savings breakdown:
- Interest earned: $2,050.5 (10.23%)
- Total contributions: $13,000 (64.84%)
- Initial deposit: $5,000 (24.94%)
Your total balance
$20,050.50
Total balance: $20,050.5
Earnings: $2,050.5
Bank OverviewWealthfront - Cash Account
Total savings breakdown:
- Interest earned: $2,531.8 (12.33%)
- Total contributions: $13,000 (63.32%)
- Initial deposit: $5,000 (24.35%)
Your total balance
$20,531.80
Total balance: $20,531.8
Earnings: $2,531.8
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Capital One's total earnings would be $481.3 lower than Wealthfront's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Capital One's vs Wealthfront's Savings Accounts
| Capital One | Wealthfront | ||
|---|---|---|---|
| Product | 360 Performance Savings | vs | Cash Account |
| APY | 3.40% (as of 11/12/2025) | 3.50% - 4.15% (as of 11/12/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | No | Yes | |
| Compound Frequency | Monthly | Daily | |
| Minimum Deposit | $0 | $0 | |
| Minimum Balance for APY | $0 | $0 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| Note | 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. | ||
| App Store Rating | 4.9/5 | 4.8/5 | |
| Google Play Rating | 4.5/5 | 4.9/5 | |
| BBB Rating | A+ | F |
No historical data available.