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Capital One vs Chase

Capital One is a good online bank with access to in-person support. How does it compare to Chase? Read our comparison chart below.

 Chase
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Capital One

Chase

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Current Promotion - Learn More

Read Capital One Review

SPECIAL OFFER
Chase Sapphire℠ Checking - Learn More

Read Chase Review

 

Benefits and Features

Savings
1.70% APY
Chase Savings: $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked Chase checking account OR for owners under 18. $0 to open.
Chase Premier Savings: Earn a higher interest rate when you have a bigger balance and meet certain relationship requirements when linked with a Chase Premier Plus Checking or Sapphire Checking account.
CD0.60% to 2.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 2.00%Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
Checking
0.20% APY
Chase Total Checking: Basic checking account. $12 service fee waived with an average beginning day balance of $1,500 OR direct deposits of at least $500 each month. $0 minimum balance to open.
Chase Premier Plus Checking: An interest-bearing account with some perks. $25 monthly service waived with an average beginning day balance of $15,000 OR a Chase mortgage with auto pay. $0 minimum balance to open.
Chase Sapphire Checking: A premium checking account for those with $75,000 or more on deposit with Chase. $0 minimum balance to open.
Chase College Checking: No monthly service fee for college students age 17-24 at account opening with proof of student status, for up to 5 years. $0 to open.
Chase Private Client Checking: For high net worth individuals who have $250,000 on deposit with Chase.
Customer Service
Mon-Sun: 8am - 11pm (ET)
24/7 by phone
ATMsOver 39,000 no-fee Capital One & Allpoint ATMsOver 16,000 Chase ATMs nationwide
IRA CD0.60% to 2.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 2.00%. 
Locations
Online Only
Nearly 4,900 branches
 

CreditDonkey® Reviews

 Chase
Savings
Checking
Money Market
Customer Service
Mobile App
Pros & ConsPros:
  • Overdraft protection options
  • No account minimums
  • 27 Capital One cafes for in-person support
Cons:
  • Lower savings APY compared to other online banks
Pros:
  • Nearly 4,900 branches
  • New customer promotions
  • Full service banking
Cons:
  • Low interest rates
  • Not in all states
Bottom LineGood online bank with access to in-person support... Read full reviewNational bank with good promotions for new customers... Read full review
 Learn MoreVisit Site
What Others View

    Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

    Capital One: Pricing information from published website as of 01/22/2020.

    Chase: Pricing information from published website as of 7/17/2019

    Which is Better: Capital One or Chase?

    Still need help deciding which bank is better? Read the in-depth reviews below. You may also be interested in comparing Capital One or Huntington.

    In short: Capital One's checking is outstanding.


    Articles on Capital One


    Articles on Chase

      Chase Bank Review

      Chase has new customer bonuses and a strong nationwide presence. But there are drawbacks. Read this review to see if Chase is a good bank for you.

      Chase Open Account

      Opening an account with Chase Bank is simple. Take a look at what you'll need and check out your account options in our guide.

      Chase Business Checking

      Chase Bank has three checking options for small businesses. So which one is right for you? Find out in our guide.

      Chase Sapphire Banking

      What is Chase Sapphire banking ? We explain the benefits, interest rate and how to qualify for the bonus in our review.

      Chase Premier Plus Checking

      Chase Premier Plus Checking currently has a coupon offer. But how does the minimum balance and fee waiver compare to accounts like the Total Checking? Read on to find out.

      Chase Private Client Review

      Chase Private Client offers premium relationship perks to those with $250,000 on deposit with Chase. It is worth it? We analyze the benefits in this in-depth review. Read on.

      Chase Savings Account

      Chase Savings Account has a coupon for new customers. But how does it work? Read this review for the interest rate, fees, minimum balance and more.

      Chase Order Checks

      Running low on your checks from Chase? Read this to learn how to reorder your checks.

      Chase Routing Number

      What is Chase Bank's routing number? It depends on the state. Find the right one for your Chase account with our guide.

      Chase Sapphire Checking Promotion

      Is Chase Sapphire banking bonus worth it? Get the requirements and see how to qualify.

      Chase Total Business Checking

      What is Chase Total Business checking account? Is there a fee? Read this review for the pros and cons.

      Chase You Invest Review

      Chase You Invest App has a bonus promotion, low fees and mutual funds trading. But is it good for beginners? Read this review for the pros and cons.

      Chase Student Account

      Chase College Checking account has no monthly service fee for students. But is there a catch? Read on to learn the details and see if it's right for you.

    Which Do You Think is Best?

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