Betterment vs. Capital One
Betterment's Cash Reserve pays 4.00% APY while Capital One's 360 Performance Savings pays 3.00% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Betterment pays $44 more than Capital One annually ($344 vs $300).
Choose Betterment if getting the best rate matters most. Choose Capital One if you value in-person banking, or you want Zelle for quick transfers.
| Metric | BettermentCash Reserve Aug 21, 2026 | Capital OneBusiness Savings Account Aug 20, 2026 |
|---|---|---|
| APY | 3.25% - 4.00% | 3.50% |
Est. Earnings | $5,000+$172 $10,000+$344 $25,000+$859 | $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 App | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported |
Comparison Analysis
Comparing Betterment vs. Capital One
Executive Summary
A detailed summary for this comparison is being prepared. Check back soon.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Betterment?
- ✓Higher potential APY (4.00% vs 2.50%-3.50%) for a duration of 3 months
Why Capital One?
- ✓Physical branch access (Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.)
- ✓Offers 3 different high-yield savings options
- ✓Fast transfers via Zelle® (up to $2,500 a day)
Key Feature Differences
Best for Simplicity
BettermentBetterment's Cash Reserve offers 4.00% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Capital One's Business Savings Account pays $6 more interest on a $10,000 balance than Betterment's Cash Reserve.
*This comparison accounts for Betterment's introductory promotional rate, yet Capital One's standard rate still yields a higher 1-year return.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Betterment vs. Capital One Savings Calculator
You earn $4.9 more with Capital One than Betterment 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.
Betterment
Cash Reserve
Savings Breakdown
- Interest Earned+$345.10(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,345.10
Capital One
Business 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 $343 per year in interest.
Both Betterment and Capital One dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Betterment | Capital One |
|---|---|---|
| APY | 4.00% Range: 3.25% - 4.00% Verified: 8/21/2026 - | 3.50% Verified: 8/20/2026 - |
| Product Name | Cash Reserve | Business Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | N/A |
| Compound Frequency | N/A | Monthly |
| In-Branch Access | No | Yes |
| Account Type | Online Only | Online & Branches |
| Physical Branches | None | Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C. |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC or NCUA Insured | Yes | YesVerify FDIC |
| Zelle® Support | Not Supported | Available Limit: $2,500/dayAvailable for 360 Checking accounts. |
| BBB Rating | A- | A+ |
| Next Steps | Visit SiteVerify at Betterment Non-sponsored link to official site | Visit SiteVerify at Capital One Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Betterment | Capital One | |
|---|---|---|---|
| Cash Reserve | 360 Performance Savings | Business Savings Account | |
Current APY | 4.00% | 3.00% | 3.50% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | 1.8 | -3.5 | 0.0 |
Days Since Change | 115 | 80 | 149 |
7-Month High | 4.00% | 3.20% | 3.50% |
7-Month Low | 3.90% | 3.00% | 3.50% |
Adjustments / Mo | 0.15 | 0.30 | 0.00 |
Volatility Score | 0.013 | 0.026 | 0.000 |
How to read these metrics(Click to expand)
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Compare Betterment's APY of 4.00% with other banks
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|---|---|---|
| Betterment vs Ally Bank | 3.00% | $0 |
| Betterment vs American Express | 3.00% | $0 |
| Betterment vs Axos Bank | 4.21% | $0 |
| Betterment vs Barclays | 3.65% | $0 |
| Betterment vs Chime | 3.75% | $0 |
| Betterment vs CIT Bank | 3.75% | $100 |
| Betterment vs EverBank | 3.90% | $0 |
| Betterment vs Marcus by Goldman Sachs | 3.40% | $0 |
| Betterment vs Newtek Bank | 4.20% | $100 |
| Betterment vs Openbank | 3.80% | $500 |
| Betterment vs Pibank | 4.10% | $0 |
| Betterment vs SoFi Bank | 3.80% | $0 |
| Betterment vs Synchrony Bank | 3.30% | $0 |
| Betterment vs Varo Bank | 3.75% | $0 |
| Betterment vs Wealthfront | 3.95% | $0 |