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Chase vs Capital One

Chase is a national bank with good promotions for new customers. How does it compare to Capital One? Read our comparison chart below.

 Chase
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Chase

Capital One

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Chase Sapphire℠ Checking - Learn More

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Benefits and Features

SavingsChase 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.
1.80% APY. No monthly service fee and no minimum deposit.
CDTerms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.0.60% to 2.10% APY. Terms of 6 months to 5 years. 12-month CD APY of 2.10%. No deposit to open.
CheckingChase 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.
0.20% APY under $50,000; 0.50% APY $50,000 or more; 0.75% APY $100,000 or more. No monthly service fee and no minimum deposit. Overdraft options prevent you from being charged when you accidentally overdraw
Money Market 0.85% APY up to $9,999.99; 1.70% APY $10,000 or more. No monthly service fee and no minimum deposit.
Customer Service
24/7 by phone
Mon-Sun: 8am - 11pm (ET)
ATMsOver 16,000 Chase ATMs nationwideOver 39,000 no-fee Capital One & Allpoint ATMs
IRA CD 0.60% to 2.10% APY. Terms of 6 months to 5 years. 12-month CD APY of 2.10%.
Locations
Nearly 5,000 branches
Online Only
 

CreditDonkey® Reviews

 Chase
Savings
Checking
Customer Service
Mobile App
Money Market
Pros & ConsPros:
  • Nearly 5,000 branches
  • New customer promotions
  • Full service banking
Cons:
  • Low interest rates
  • Not in all states
Pros:
  • Overdraft protection options
  • No account minimums
  • 27 Capital One cafes for in-person support
Cons:
  • Lower savings APY compared to other online banks
Bottom LineNational bank with good promotions for new customers... Read full reviewGood online bank with access to in-person support... Read full review
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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.

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

    Capital One: Pricing information from published website as of 11/15/2019.

    Which is Better: Chase or Capital One?

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

    In short: Capital One's checking is outstanding.


    Articles on Chase


    Articles on Capital One


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