Bread Savings vs Capital One
Head-to-head comparison of Bread Savings High-Yield Savings and Capital One 360 Performance Savings, updated daily.
Bread Savings currently wins on APY: 4.40% vs 3.20%
| Feature | Bread SavingsUpdated 1d ago | Capital OneLive |
|---|---|---|
| APY | 4.40%★ | 3.20% |
| Min opening deposit | $100 | $0★ |
| Min balance for APY | $100 | $0★ |
| Monthly fee | $0.00 | $0.00 |
| Insurance | FDIC | FDIC |
| Compounding | daily | monthly |
| ATM access | No | Yes★ |
| Check writing | No | No |
| Mobile app | No | Yes★ |
| Editor rating | 4.1 / 5★ | 4.0 / 5 |
Bread Savings verdict
Bread Savings is bare-bones and proud of it. There is no mobile app, no checking, no ATM — just a savings account with a competitive APY. For savers who want to "set and forget" without temptation to spend, the lack of features is a feature.
Read full Bread Savings 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 →