Capital One vs Synchrony Bank
Head-to-head comparison of Capital One 360 Performance Savings and Synchrony High Yield Savings, updated daily.
Synchrony Bank currently wins on APY: 4.35% vs 3.20%
| Feature | Capital OneLive | Synchrony BankUpdated 1d ago |
|---|---|---|
| APY | 3.20% | 4.35%★ |
| Min opening deposit | $0 | $0 |
| Min balance for APY | $0 | $0 |
| Monthly fee | $0.00 | $0.00 |
| Insurance | FDIC | FDIC |
| Compounding | monthly | daily |
| ATM access | Yes | Yes |
| Check writing | No | No |
| Mobile app | Yes | Yes |
| Editor rating | 4.0 / 5 | 4.2 / 5★ |
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 →Synchrony Bank verdict
Synchrony is the only top-10 HYSA on our list that ships with an ATM card by default — useful if you want true cash access from a savings account. APY is competitive but not category-leading.
Read full Synchrony Bank review →