American Express National Bank vs Capital One
Head-to-head comparison of American Express High Yield Savings and Capital One 360 Performance Savings, updated daily.
| Feature | American Express National BankLive | Capital OneLive |
|---|---|---|
| APY | 3.20% | 3.20% |
| Min opening deposit | $0 | $0 |
| Min balance for APY | $0 | $0 |
| Monthly fee | $0.00 | $0.00 |
| Insurance | FDIC | FDIC |
| Compounding | daily | monthly |
| ATM access | No | Yes★ |
| Check writing | No | No |
| Mobile app | Yes | Yes |
| Editor rating | 4.0 / 5 | 4.0 / 5 |
American Express National Bank verdict
Amex is the bank you pick when you want zero surprises. It will rarely lead the APY tables, but it will also rarely fall to the bottom — Amex tends to track the Fed Funds rate cleanly. Best for existing Amex card customers who value consolidation.
Read full American Express National Bank review →Capital One verdict
Capital One is one of the few HYSAs from a major bank with physical branch presence. You pay for that physical access in the form of a slightly lower APY — about 50-70bps less than the leaders. Reasonable choice for users who want the option of in-person service.
Read full Capital One review →