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 is one of the biggest banks in the nation with more than 4,700 branches and over 15,000 ATMs. They offer a variety of banking, loans and investing services.

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

	Chase	Capital One
	Member FDIC
	Visit Site	Learn More
	SPECIAL OFFER Chase First Banking - Learn More Read Chase Review	SPECIAL OFFER Personal Savings Account - $1,500 Bonus - Learn More Read Capital One Review
	Benefits and Features
Savings	Chase Savings: 0.01% APY. $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked Chase checking account, OR a linked Chase College Checking for Overdraft Protection, OR a linked qualifying 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.	3.50% APY
CD	Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.	3.50% to 4.20% APY. Terms of 6 months to 5 years. 12-month CD APY of 4.00%
Checking	Chase Total Checking® 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 $150,000 on deposit with Chase.	0.10% APY
Mobile App	iOS & Android	iOS & Android
ATMs	15,000+ Chase ATMs	over 70,000 no-fee Capital One, MoneyPass, and Allpoint ATMs
Customer Service	Automated service available 24/7	Phone: 800-655-2265 Monday - Sunday: 8AM - 11PM (ET)
Locations	Over 4,700	263 branches
	CreditDonkey® Reviews

Savings
CD
Checking
Mobile App
Customer Service
Pros & Cons	Pros: More than 4,700 branches New customer coupons Full service banking Cons: Low savings rates Not in all states	Pros: Overdraft protection options No account minimums Over 50 cafes for in-person support Cons: Other banks have higher APY
Bottom Line	National bank with good promotions for new customers... Read full review	Good online bank with access to in-person support... Read full review
	Visit Site	Learn More
	Chase First Banking Referral Program - Up to $500 Bonus	Personal Savings Account - $1,500 Bonus Personal Savings Account - $750 Bonus Personal Checking Account - $300 Bonus
Chase: Pricing information and data points from published website as of 08/26/2025. Capital One: Pricing information from published website as of 08/21/2025.

Which is Better: Chase 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 Chase or Bank of America.

In short: Capital One's savings and checking are worth mentioning. In particular, the checking is outstanding.

Articles on Chase

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