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SoFi vs Capital One

SoFi is a personal loans with low APR and fees. Must have good credit to qualify. How does it compare to Capital One? Read our comparison chart below.

 SoFi
 Learn MoreLearn More
 

SoFi

Capital One

OFFER
Refinance Student Loans - Learn More

Read SoFi Review

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

Read Capital One Review

 

Benefits and Features

Savings4.00% APY on savings balances with direct deposit or qualifying deposits (1.20% APY without)
3.80% APY
CD
N/A
3.50% to 4.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 4.00%
Checking
0.50% APY on checking balances
0.10% APY
Mobile App
iOS & Android
 
ATMs
55,000+ Allpoint ATMs
over 70,000 no-fee Capital One, MoneyPass, and Allpoint ATMs
Customer ServiceChecking and Savings Support:
Phone: (855) 456-7634
Monday - Thursday: 5AM - 7PM PT
Friday - Sunday: 5AM - 5PM PT
24/7 online chat
Mon-Sun: 8am - 11pm (ET)
Locations
4 branch locations
262 branches
 

CreditDonkey® Reviews

 SoFi
FeesStarStarStarStarHalf Star
Interest RatesStarStarStarStarHalf Star
EligibilityStarStarHalf StarEmpty StarEmpty Star
SavingsStarStarStarHalf StarEmpty Star
CheckingStarStarStarStarStar
Money MarketStarStarStarStarEmpty Star
Mobile AppStarStarStarStarHalf Star
Customer ServiceStarStarStarStarHalf Star
Pros & ConsPros:
  • Competitive, fixed rates
  • Low fees
  • No collateral
Cons:
  • Slower underwriting process
  • High standards for borrowers
Pros:
  • Overdraft protection options
  • No account minimums
  • 27 cafes for in-person support
Cons:
  • Lower savings APY compared to other online banks
Bottom LinePersonal loans with low APR and fees. Must have good credit to qualify... Read full reviewGood online bank with access to in-person support... 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 12/06/2024.

Which is Better: SoFi 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 SoFi or Chase.


Articles on SoFi

SoFi Personal Loan

SoFi offers unsecured personal loans if you need to borrow money ASAP. But is it legit (or not)? Learn how SoFi personal loans actually work.

SoFi Bank Review

Seeking high rates and a great digital banking experience? SoFi Bank offers solid accounts and a top-rated mobile app. Read on to know more.

SoFi Bank Locations

SoFi is an online bank offering checking and savings accounts. But does it have physical branches? Keep reading to find out.

SoFi High Yield Savings

Want a high APY and easy access to your money? Get the best of both worlds with SoFi's Checking and Savings account.

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

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.

Which Do You Think is Best?





Which Bank Account is Right for You?


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About CreditDonkey
CreditDonkey is a bank comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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