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.

	Axos Bank	Capital One
	Member FDIC
	Learn More	Learn More
	SPECIAL OFFER Rewards Checking - Up to 3.30% APY - Learn More Read Axos Bank Review	SPECIAL OFFER Personal Savings Account - $1,500 Bonus - Learn More Read Capital One Review
	Benefits and Features
Savings	0.61% APY (balances under $25k); 0.25% APY ($25K-$100K); 0.15% APY ($100k and over)	3.60% APY
CD	0.20% APY. Terms of 3 months to 5 years. $1,000 minimum	3.50% to 4.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 4.00%
Checking	Rewards Checking: Up to 3.30% APY Cashback Checking: Up to 1% cashback	0.10% APY
Money Market	0.25% APY
Mobile App	iOS & Android	iOS & Android
ATMs	approximately 91,000 partner ATMs	over 70,000 no-fee Capital One, MoneyPass, and Allpoint ATMs
Customer Service	24/7	Phone: 800-655-2265 Monday - Sunday: 8AM - 11PM (ET)
Locations	Online only	263 branches
	CreditDonkey® Reviews

Savings
CD
Checking
Money Market
Mobile App
ATMs
Locations
Customer Service
Pros & Cons	Pros: Checking with rewards No monthly fee Domestic ATM rebates Cons: Low CD rates No physical branches	Pros: Overdraft protection options No account minimums Over 50 cafes for in-person support Cons: Other banks have higher APY
Bottom Line	Full-service online bank with excellent cashback and interest checking... Read full review	Good online bank with access to in-person support... Read full review
	Rewards Checking - Up to 3.30% APY Axos ONE - Earn up to 4.66% APY Basic Business Checking - Up to $400 Bonus	Personal Savings Account - $1,500 Bonus Personal Savings Account - $750 Bonus Personal Checking Account - $300 Bonus
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 09/27/2024. Capital One: Pricing information from published website as of 04/10/2025.

Member FDIC

Rewards Checking - Up to 3.30% APY

Get Deal

Build your own APY with up to 3.30% APY*
Zero monthly maintenance fees
Zero overdraft or NSF fees
Zero minimum monthly balance reqs
No initial deposit requirement
Unlimited domestic ATM fee reimbursements
Online debit card management
Simple, 3-step process for direct deposit

Member FDIC

Axos ONE - Earn up to 4.66% APY

Learn More

Earn up to 4.66% APY* on savings, and 0.51% APY* on checking when you meet requirements.
Get your money up to 2 days early.
No monthly maintenance, minimum balance, account opening, or overdraft fees.

Member FDIC

Basic Business Checking - Up to $400 Bonus

Get Deal

Expires 9/30/2025

Business owners get up to $400 welcome bonus!* Open a business checking account by September 30 and get up to $400 when you use promo code NEW400 on your application.*
No initial deposit requirement
No minimum balance requirement
No monthly maintenance fees
Free domestic incoming wires. Two (2) outgoing domestic wire fees reimbursed per month.
Unlimited domestic ATM fee reimbursements
Unlimited item processing (debits, credits, and deposited items)
Cash deposits via MoneyPass and AllPoint networks

Which is Better: Axos Bank or Capital One?

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