Bread Savings vs. Capital One
Bread Savings's High-Yield Savings Account pays 3.95% 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? Bread Savings pays $95 more than Capital One annually ($395 vs $300).
Choose Bread Savings if getting the best rate matters most. Choose Capital One if you value in-person banking, or you want Zelle for quick transfers.
| Metric | Bread SavingsHigh-Yield Savings Account Sep 4, 2026 | Capital OneBusiness Savings Account Sep 4, 2026 |
|---|---|---|
| APY | 3.95% | 3.50% |
Earns in a year | $5,000+$198 $10,000+$395 $25,000+$988 | $5,000+$175 $10,000+$350 $25,000+$875 |
Min. Deposit | $100 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported |
Comparison Analysis
Comparing Bread Savings vs. Capital One
Executive Summary
Bread Savings offers a High-Yield Savings Account with an attractive APY of 3.95%, making it the top choice for savers looking to earn more on their deposits. This account requires a minimum deposit of $10,000 but has no direct deposit requirement or maintenance fees, and it is available online only. In contrast, Capital One's 360 Performance Savings account provides a lower APY of 3.00%, with no minimum deposit required and a broader availability across multiple states. While Capital One also offers a Kids Savings Account and a Business Savings Account with lower yields, the Bread Savings account stands out for its higher return potential.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Bread Savings?
- Higher potential APY (3.95% vs 2.50%-3.50%) on all balances
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
Better Returns at $10,000
Bread SavingsBread Savings's High-Yield Savings Account earns more on smaller deposits (approx. $395 vs $350/yr).
Better Returns at $25,000
Bread SavingsBread Savings's High-Yield Savings Account pulls ahead with larger amounts (approx. $988 vs $875/yr).
Better for Simplicity
Bread SavingsBread Savings's High-Yield Savings Account offers 3.95% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Bread Savings's High-Yield Savings Account pays $45 more interest on a $10,000 balance than Capital One's Business Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Bread Savings vs. Capital One Savings Calculator
You earn $45 more with Bread Savings 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.
Bread Savings
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$395.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,395.00
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 at a large branch bank?
A typical branch-bank savings rate is 0.05% APY. On a $10,000 balance, the gap to these two banks is at least $345 a year in interest.
Both Bread Savings and Capital One advertise far more than that typical branch-bank rate.
| Feature | Bread Savings | Capital One |
|---|---|---|
| APY | 3.95% Observed: 9/4/2026 0.05%90-day change | 3.50% Observed: 9/4/2026 Stable over 90 days |
| Product Name | High-Yield Savings Account | Business Savings Account |
| Minimum Deposit | $100 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | N/A |
| Compound Frequency | Daily | Monthly |
| In-Branch Access | No | Yes |
| Account Type | Online Only | Online & Branches |
| Physical Branches | 1 (UT) | 252 (CT, DC, DE, LA, MD, NJ, NY, TX (+1 more)) |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC or NCUA Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Available Limit: $2,500/dayAvailable for 360 Checking accounts. |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Bread Savings 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 | Capital One | |
|---|---|---|
| 360 Performance Savings | Business Savings Account | |
Current APY | 3.00% | 3.50% |
Trend | Stable | Stable |
Speed of change | -0.03 | 0.00 |
Days Since Change | 94 | 164 |
7-Month High | 3.20% | 3.50% |
7-Month Low | 3.00% | 3.50% |
Changes per month | 0.28 | 0.00 |
Steadiness | 0.026 | 0.000 |
How to read these metrics(Click to expand)
Trends and speed
- Trend: The general direction of the rate over the analyzed period. Useful for seeing whether a bank is raising its rate or letting it slip.
- Speed of change: How fast the rate moves. A high positive number means they raise rates quickly. A reading of 0.10 is a tenth of a percentage point each month.
- Changes per month: How often the rate moves. A high number means it changes constantly; a low number means it holds.
Risk & Range
- High/Low: The absolute ceiling and floor of the rate during the 216-day window.
- Steadiness: How far the rate swings around its average. A lower score means a steadier, more predictable rate.
- Days Since Change: A high number, for example above 90, means the rate rarely moves. A low number means it changed recently.
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High Rates (With Checking Bundle)
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More Comparisons
Compare Bread Savings' APY of 3.95% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Bread Savings vs Ally Bank | 3.00% | $0 |
| Bread Savings vs American Express | 3.00% | $0 |
| Bread Savings vs Axos Bank | 4.21% | $0 |
| Bread Savings vs Barclays | 3.65% | $0 |
| Bread Savings vs Chime | 3.75% | $0 |
| Bread Savings vs CIT Bank | 3.75% | $100 |
| Bread Savings vs EverBank | 3.90% | $0 |
| Bread Savings vs Marcus by Goldman Sachs | 3.40% | $0 |
| Bread Savings vs Newtek Bank | 4.20% | $100 |
| Bread Savings vs Openbank | 3.80% | $500 |
| Bread Savings vs Pibank | 4.10% | $0 |
| Bread Savings vs SoFi Bank | 4.00% | $0 |
| Bread Savings vs Synchrony Bank | 3.30% | $0 |
| Bread Savings vs Varo Bank | 3.75% | $0 |
| Bread Savings vs Wealthfront | 3.95% | $0 |