Current vs Capital One

Current is a simple, digital-only banking app with impressive bonus and cashback. How does it compare to Capital One? Read our comparison chart below.

Current offers mobile-only banking for adults and teens. It offers cashback rewards, interest on savings, faster direct deposit, and fee-free overdrafts. There are no monthly fees and no minimums.

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

	Current	Capital One

	Visit Site	Learn More
	SPECIAL OFFER Build Credit While You Bank - Learn More Read Current Review	SPECIAL OFFER Personal Savings Account - $1,500 Bonus - Learn More Read Capital One Review
	Benefits and Features
Savings	Up to 4.00% bonus on your Savings Pod, on up to a total of $6,000	4.25% APY
CD		3.90% to 5.10% APY. Terms of 6 months to 5 years. 12-month CD APY of 4.80%
Checking	Earn up to 15x points on purchases at participating merchants	0.10% APY
Monthly Fee	$0
Kids Debit Card
Minimum Deposit to Open	$0
Mobile App	iOS & Android
ATMs	Free access to 40,000+ Allpoint ATMs	Over 70,000 no-fee Capital One & Allpoint ATMs
Customer Service		Mon-Sun: 8am - 11pm (ET)
Locations		273 branches
	CreditDonkey® Reviews

Savings
Minimum Deposit
Checking
Price
Mobile App
Customer Service
Ease of Use
Education
Money Market
Pros & Cons	Pros: High savings rate Up to 15x cash back at 14k stores Ability to deposit cash Cons: No web platform Email-based support only Requires direct deposit to earn the boosted bonus	Pros: Overdraft protection options No account minimums 27 cafes for in-person support Cons: Lower savings APY compared to other online banks
Bottom Line	Simple, digital-only banking app with impressive bonus and cashback... Read full review	Good online bank with access to in-person support... Read full review
	Visit Site	Learn More
	Build Credit While You Bank Current Savings - Up to 4.00% bonus Fee-Free Overdraft up to $200 with Overdrive	Personal Savings Account - $1,500 Bonus Personal Savings Account - $750 Bonus Personal Savings 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. Current: Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. Capital One: Pricing information from published website as of 04/13/2024.

Build Credit While You Bank

Get Paid Up to 2 Days Faster
Build credit and earn points with every swipe
40,000 fee-free Allpoint ATMs in the U.S.
No credit check, minimum balance or hidden fees

Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC.

Current Savings - Up to 4.00% bonus

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4.00% bonus on up to $6,000 balance if you receive and maintain a qualifying direct deposit of $200 or more in a rolling 35 day period. (Otherwise, 0.25%)
Simply add money to your Savings Pods and enable the Boost feature.
Earn bonus on up to 3 Savings Pods, up to $2,000 balance each.
Bonuses accumulate daily.

Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC.

Fee-Free Overdraft up to $200 with Overdrive

Learn More

Which is Better: Current 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 Current or Chase.

In short: Capital One's customer service is worth mentioning.

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