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Capital One vs Synchrony Bank

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

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.

While Synchrony Bank offers high interest savings with an ATM card for easy withdrawals. There is no minimum deposit. Their CDs require a $2,000 minimum deposit to open. There are no service fees for any products.

Compare Capital One with Synchrony Bank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

 

Capital One

Synchrony Bank

SPECIAL OFFER
Personal Savings Account - $1,500 Bonus - Learn More

Read Capital One Review

SPECIAL OFFER
High Yield Savings - 4.75% APY - Learn More

Read Synchrony Bank Review

 

Benefits and Features

Savings
4.25% APY
4.75% APY. No monthly service fee and no minimum deposit. An ATM card is provided for easy withdrawal. Synchrony will refund ATM fees for other banks up to $5 per statement cycle
CD3.90% to 5.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 5.00%0.25% to 5.15% APY. Terms of 3 months to 5 years. No minimum deposit to open.
Checking
0.10% APY
 
Money Market 2.25% APY. No monthly service fee and no minimum deposit.
ATMsOver 70,000 no-fee Capital One & Allpoint ATMsAny ATMs with Plus or Accel logos
Customer Service
Mon-Sun: 8am - 11pm (ET)
Mon-Fri 8:00 am - 10:00 pm (ET); Sat-Sun 8:00 am - 5:00 pm (ET)
IRA CD 0.25% to 5.15% APY. Terms of 3 months to 5 years. No minimum deposit to open.
IRA Money Market 2.25% APY.
Locations
273 branches
Online Only
 

CreditDonkey® Reviews

SavingsStarStarStarHalf StarEmpty StarStarStarStarStarStar
CheckingStarStarStarStarStar
Money MarketStarStarStarStarEmpty StarStarStarStarStarEmpty Star
Mobile AppStarStarStarStarHalf Star
Customer ServiceStarStarStarStarHalf StarStarStarStarStarEmpty Star
Pros & ConsPros:
  • Overdraft protection options
  • No account minimums
  • 27 cafes for in-person support
Cons:
  • Lower savings APY compared to other online banks
Pros:
  • Savings with ATM card
  • High APY
  • All balance tiers receive same rate
Cons:
  • No checking account
  • Limited customer service hours
Bottom LineGood online bank with access to in-person support... Read full reviewGood online bank offering high interest rates... Read full review

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 07/06/2024.

Synchrony Bank: Pricing information from published website as of 06/15/2024.

Which is Better: Capital One or Synchrony Bank?

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

In short: Synchrony Bank's savings is excellent.


Articles on Capital One

Capital One 360

Capital One 360 checking and savings accounts are free to open and offer higher-than-average APY rates. Does this popular web bank live up to its claims? Find out if it's right for you.

Capital One Money Teen Checking Account Review

Is Capital One a good bank for your teenager? Here are the pros, cons, and fees of a Capital One Money Teen Checking account.

Capital One Savings Account Bonus

Looking for a Capital One savings bonus? Read on to see the available promos today and how to qualify for them.

Capital One CD Rates

Interested in Capital One 360 CDs? Here are their rates and how to open one.

Capital One High Yield Savings Review

Want to grow your funds passively? Capital One offers a high-yield savings account with a solid APY and easy accessibility. Read on to find out more.

Capital One Checking Account Bonus

Curious about Capital One promotions? Discover their latest checking bonuses, how to qualify, and more to optimize your rewards.

Capital One Bank Hours

Capital One Bank is open 6 days a week. Take a look at their operating hours.

Capital One Routing Number

What is the routing number for Capital One? Find the right one for your account with our guide.

Articles on Synchrony Bank

Synchrony Bank

Synchrony offers some of the highest savings and CD rates. But there are downsides. Read this review before you open an account.

Synchrony High Yield Savings Review

Synchrony's high-yield savings account has a high APY with no fees. But they also have more to offer than just that. Read on to know all the details.

Synchrony Bank CD Rates

Are CD rates good at Synchrony Bank? Find out if you should open a Synchrony CD.

Which Do You Think is Best?





Which Bank Account is Right for You?


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