Capital One vs. Wealthfront
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Capital One360 Performance Savings Jan 7, 2026 | WealthfrontCash Account Jan 7, 2026 |
|---|---|---|
| APY | 3.40% | 3.25% - 3.90% |
Est. Earnings | $5,000+$170 $10,000+$340 $25,000+$850 | $5,000+$171 $10,000+$341 $25,000+$853 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | 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 3.90% for 3 months, after which the 3.25% APY applies. See terms at Wealthfront. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing Capital One vs. Wealthfront
As of Capital One offers an APY of 3.40% for its 360 Performance Savings account, with a minimum balance of $0, compared to Wealthfront's 3.90% APY for its Cash Account, with a minimum balance of $0.
Wealthfront pays $1 more than Capital One on a $10,000 balance after one year. Capital One pays $340, while Wealthfront pays $341 (with an effective APY of 3.41%) - an APY advantage for Wealthfront.
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 Wealthfront?
- ✓Higher potential APY (3.90% vs 3.40%) on all balances
- ✓Higher rated Android app (4.9 vs 4.5)
— Key Feature Differences —
Best for Simplicity
WealthfrontWealthfront's Cash Account offers 3.90% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period (factoring in a 3-month promo), Wealthfront's Cash Account pays $1 more interest on a $10,000 balance than Capital One's 360 Performance Savings.
*Wealthfront's calculation includes their 3-month introductory promotional rate and subsequent standard rate.
Executive Summary as of
Wealthfront offers a competitive Cash Account with an APY of 3.90%, making it the standout choice between the two banks. This account is online-only and requires no minimum deposit, maintenance fees, or direct deposit, providing a simple and accessible savings option. After an introductory period of three months, the APY adjusts to 3.25%. In comparison, Capital One's 360 Performance Savings account provides a solid APY of 3.40%, also with no minimum deposit or fees, but it does not match Wealthfront's initial offer. Both accounts are FDIC-insured, ensuring safety for your deposits.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Capital One vs. Wealthfront Savings Calculator
You earn $2.5 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
Promo Rate: 3.90% for 3 months, then 3.25%.
Savings Breakdown
- Interest Earned+$342.50(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,342.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Capital One | Wealthfront |
|---|---|---|
| APY | 3.40% Verified: 1/7/2026 Stable (90d) | 3.90% Range: 3.25% - 3.90% Verified: 1/7/2026 - |
| 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 |
| Zelle® Support | Available Limit: $2,500/dayAvailable for 360 Checking accounts. | Not Supported |
| 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 3.90% for 3 months, after which the 3.25% APY applies. See terms at Wealthfront. |
| Next Steps | Visit SiteVerify at Capital One Non-sponsored link to official site | Visit SiteVerify at Wealthfront Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | Wealthfront |
|---|---|---|
| 360 Performance Savings | Cash Account | |
Current APY | 3.40% | 3.90% |
Trend | Stable | Stable |
Velocity (bps/mo) | -0.0 | -18.8 |
Days Since Change | 54 | 19 |
2-Month High | 3.40% | 4.15% |
2-Month Low | 3.40% | 3.90% |
Adjustments / Mo | 0.00 | 0.55 |
Volatility Score | 0.000 | 0.030 |
How to read these metrics(Click to expand)
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