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


	SPECIAL OFFER Rewards Checking - Up to 3.30% APY - Learn More Read Axos Bank Review	SPECIAL OFFER Personal Savings Account - $1,000 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)	3.40% APY
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	0.10% APY
Money Market	0.25% APY
Customer Service		Mon-Sun: 8am - 11pm (ET)
ATMs		Over 70,000 no-fee Capital One & Allpoint ATMs
Locations		Online Only
	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 27 cafes for in-person support Cons: Lower savings APY compared to other online banks
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 Basic Business Checking - $200 Bonus Essential Checking	Personal Savings Account - $1,000 Bonus Personal Savings Account - $100 Bonus Personal Savings Account - $500 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 02/21/2023. Capital One: Pricing information from published website as of 03/15/2023.

Member FDIC

Rewards Checking - Up to 3.30% APY

Get Deal

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

Member FDIC

Basic Business Checking - $200 Bonus

Get Deal

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

Member FDIC

Essential Checking

Unlimited domestic ATM reimbursements
No monthly maintenance fees
No annual fee
No overdraft or non-sufficient funds fee

Get Deal

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.

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