Axos Bank vs Capital One
Axos Bank is a full-service online bank with excellent cashback and interest checking. How does it compare to Capital One? Read our comparison chart below.
Axos Bank offers a range of checking and savings products. Checking options includes a up-to 1% cashback account and rewards checking account with a higher interest rate. Savings options include savings accounts and CDs with higher-than-average rates. All accounts have no monthly service fees.
While Capital One offers competitive rates on their savings account. Their interest checking has several overdraft options in cases of accidental overdraw. There are no minimum deposits or service fees.
Compare Axos Bank with Capital One, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
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Axos Bank | Capital One | |
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Rewards Checking - Up to 3.30% APY - | Personal Savings Account - $1,000 Bonus - | |
Benefits and Features | ||
Savings | 0.61% APY (balances under $25k); 0.25% APY ($25K-$100K); 0.15% APY ($100k and over) | |
CD | 0.20% APY. Terms of 3 months to 5 years. $1,000 minimum | 3.30% to 4.30% APY. Terms of 6 months to 5 years. 12-month CD APY of 4.15% |
Checking | Rewards Checking: Up to 3.30% APY Cashback Checking: Up to 1% cashback | |
Money Market | ||
Customer Service | ||
ATMs | Over 70,000 no-fee Capital One & Allpoint ATMs | |
Locations | ||
CreditDonkey® Reviews | ||
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Savings | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
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Checking | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
Money Market | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
Mobile App | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
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Customer Service | ![]() ![]() ![]() ![]() ![]() | |
Pros & Cons | Pros:
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Bottom Line | Full-service online bank with excellent cashback and interest checking... | Good online bank with access to in-person support... |
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Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Axos Bank: Pricing information from published website as of 02/21/2023. Capital One: Pricing information from published website as of 03/15/2023. |
Rewards Checking - Up to 3.30% APY
- Use the promo code RC100 when you apply for a Rewards Checking account by 4/12/2023. Then have qualifying direct deposit(s) to earn a $100 welcome bonus!
- Up to 3.30% APY
- Zero monthly maintenance fees
- Zero overdraft or NSF fees
- Zero minimum monthly balance reqs
- Unlimited domestic ATM fee reimbursements
- Online debit card management
- Simple, 3-step process for direct deposit
- Only $50 to open an account
Basic Business Checking - $200 Bonus
- New business owners get a $200 welcome bonus!
- Zero monthly maintenance fees
- Unlimited Transactions
- Unlimited domestic ATM fee reimbursements
- $0 Minimum Opening Deposit requirement
- 2 Free Domestic Wires, monthly
- Cash Deposit capability via MoneyPass and AllPoint networks
Essential Checking
- Unlimited domestic ATM reimbursements
- No monthly maintenance fees
- No annual fee
- No overdraft or non-sufficient funds fee
Which is Better: Axos Bank or Capital One?
Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Axos Bank or Chase.
In short: Axos Bank's savings is notable.