Marcus by Goldman Sachs vs Capital One

Marcus is a great online savings account with high APY and no hidden fees. How does it compare to Capital One? Read our comparison chart below.

Marcus offers savings accounts, term CDs, and a no-penalty CD. It has no checking or ATM network. Savings account has no minimum deposit required to open while CDs have $500 minimum opening deposit. There are no service fees.

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

	Marcus by Goldman Sachs	Capital One
	SPECIAL OFFER Marcus Online Savings - Earn 3.65% APY - Learn More Read Marcus Review	SPECIAL OFFER Personal Savings Account - $1,500 Bonus - Learn More Read Capital One Review
	Benefits and Features
Savings	3.65% APY. $0 to open. No fees to open or maintain account. No minimum daily balance requirement.	3.30% APY
CD	3.85% to 4.05% APY. Terms of 6 months to 6 years. 12-month CD APY of 4.00%. $500 minimum to open. No monthly service fee.	3.60% to 3.90% APY. Terms of 6 months to 5 years. 12-month CD APY of 3.90%
Checking	N/A	0.10% APY
Money Market	N/A
Mobile App	iOS & Android	iOS & Android
ATMs	None	over 70,000 no-fee Capital One, MoneyPass, and Allpoint ATMs
Customer Service	Mon - Sat: 8 am - 10 pm ET Sat - Sun: 9 am - 7 pm ET	Phone: 800-655-2265 Monday - Sunday: 8AM - 11PM (ET)
Locations	Online only	263 branches
	CreditDonkey® Reviews
Savings
Fees
Mobile App
Customer Service
Checking
Pros & Cons	Pros: Competitive APY $0 monthly charges No minimum balance Cons: No physical locations No mobile check deposit	Pros: Overdraft protection options No account minimums Over 50 cafes for in-person support Cons: Other banks have higher APY
Bottom Line	Great online savings account with high APY and no hidden fees... Read full review	Good online bank with access to in-person support... Read full review
	Marcus Online Savings - Earn 3.65% APY 6-Month High-Yield CD - 4.05% APY 12-Month High-Yield CD - 4.00% APY	Personal Savings Account - $1,500 Bonus Personal Savings Account - $750 Bonus Personal Checking 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. Marcus: Information including rates, fees, terms, and benefits was obtained on December 17, 2025 from published websites and is believed to be accurate, but not guaranteed. Capital One: Pricing information from published website as of 01/25/2026.

Which is Better: Marcus 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 Marcus or CIT Bank.

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