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The information for the following product(s) has been collected independently by Business Insider: Capital One Venture X Business Card†, Capital One Spark Cash Select for Excellent Credit†, Capital One Spark Miles for Business†, Capital One Spark Cash Plus†, Capital One Spark 1% Classic†, Capital One Spark Miles Select for Business†. The details for these products have not been reviewed or provided by the issuer.
The bottom line: Business Insider’s personal finance team compared Capital One 360 to the best banks and found it to be an industry leader. It especially stands out for its checking account and credit cards.
For a savings account with a $0 minimum opening deposit and no monthly service fees, Capital One 360 Performance Savings may be ideal.
Capital One 360 Overall Rating
Capital One 360 Pros and Cons
About Capital One 360
Between Capital One ATMs and partner ATMs, you have access to over 70,000 ATMs nationwide. The bank doesn’t charge a fee if you use an out-of-network ATM, but it doesn’t reimburse any out-of-network fees charged by an ATM provider.
If you want to speak with an agent on the phone, you can call between 8 a.m. and 11 p.m. ET.
The website is easy to navigate, and its mobile app has received 4.8 out of 5 stars in the Apple store and 4.5 out of 5 stars in the Google Play store.
Your Capital One bank account is FDIC insured for up to $250,000, or up to $500,000 for a joint account.
Capital One Bank Near Me
The bank has over 280 branches across Louisiana, Maryland, New Jersey, New York, Texas, Virginia, and Washington, DC. It also has dozens of Capital One Cafés, where you can grab Verve Coffee, speak with a money coach, and open a bank account.
Capital One 360 is the bank’s online operation. You can have a hybrid in-person/online banking experience if you live near a branch or Café, or you can bank completely online with Capital One 360.
Is Capital One 360 Trustworthy?
The Better Business Bureau rates businesses by how they deal with customer issues and handle transparency. Capital One 360 has an A+ rating because it’s received a high volume of customer complaints on the BBB website. A good BBB rating signifies a company responds effectively to customer complaints, has honest advertising practices, and is transparent in how it handles business.
The company does have a recent controversy, though. Capital One used to have an account called 360 Savings. In 2019, Capital One launched the new 360 Performance Savings Account, which paid a much higher interest rate. Many customers thought their old savings accounts would transition into this new one, but in reality, they had to open a new 360 Performance Savings Account to earn the higher rate. So some customers have been earning a significantly lower savings rate for years.
In the lawsuit, the plaintiffs’ lawyers allege that Capital One didn’t inform 360 Savings customers that these were two distinct accounts, or that 360 Performance Savings paid a higher rate. However, Capital One wants this case dismissed because it claims people had every opportunity to learn these facts on their own. This case is still ongoing.
Capital One 360 Fees and Charges
Capital One 360 Monthly Maintenance Fees
Capital One 360’s personal checking and savings accounts don’t come with monthly maintenance fees, making it a good option if you’re hoping to avoid bank fees. Some of its business checking and savings accounts come with monthly service fees, though; if you don’t want to pay extra, check to see if you’ll be able to waive the fee.
Capital One 360 ATM and Overdraft Fees
Capital One 360 doesn’t charge overdraft fees, making it one of the best banks for avoiding overdrafts. It offers a couple of options for overdrafts: you can either automatically transfer money from your savings account whenever you overdraft or allow fee-free overdrafts when they’re approved by Capital One 360. If you don’t choose either option, you won’t be able to overdraft your account.
Capital One 360 has an expansive ATM network, and you’ll never be charged a fee if you use an ATM in that network. If you use an out-of-network ATM, you still won’t be charged by Capital One 360; however, the ATM you’re using might charge a fee. The best banks for avoiding ATM fees will reimburse a certain amount of out-of-network fees each month.
Capital One 360 Credit Card Fees
Many of Capital One 360’s credit cards don’t charge an annual fee, but some of them do. If you don’t want to pay an annual fee, check the credit card you’re interested in beforehand to make sure it doesn’t come with one. And no matter what, you’ll need to deal with a card’s annual percentage rate if you don’t pay your balance in full each month. Depending on the card and your credit score, you might pay below the average credit card interest rate, at the average rate, or above the average rate.
Capital One 360 Digital and Mobile Banking
Capital One 360 Mobile App Features
Capital One 360’s mobile banking app lets you access your banking and credit card accounts. It’s a well-rated app, with at least a 4.5-star rating on both the Google Play store and the Apple App store. It’s also rated highest in mobile app satisfaction, according to the J.D. Power 2024 U.S. Banking Mobile App Satisfaction Study with a score of 678 out of 1,000.
Capital One 360 Online Banking Tools
You can also access Capital One 360 on its website or over the phone. Unlike many online banks, however, you can also access Capital One 360 in person at one of their physical branches or cafés. This means you’ll have more options for how you bank than you would with a standard online bank.
Capital One 360 Customer Service and Support
Capital One 360 has several customer support options. First, you could go into a local branch or café to speak to customer service in person, if you have a location close to you. If you don’t have a location near you or want to speak to customer service virtually, you can call customer service using Capital One 360’s phone lines. Capital One 360 doesn’t offer 24/7 customer service, but its hours are still very flexible; you can contact Capital One 360 by phone from 8:00 am ET to 11:00 pm ET any day of the week.
Capital One 360 FAQs
Capital One 360 services include savings accounts, checking accounts, CDs, credit cards, and loans. It offers both personal banking products and business banking products.
The fees you’ll need to look out for at Capital One will depend on what product you’re interested in. Some of Capital One’s credit cards come with an annual fee, and some of its business bank accounts have monthly service fees. You’ll also need to watch out for fees charged by out-of-network ATMs, although Capital One 360 will not directly charge out-of-network ATM fees.
You can contact Capital One 360 customer service by going to a physical branch or calling customer service. You can also send mail if you want to make payments or deposits.
Pros of banking with Capital One 360 include access to a great checking account and strong credit cards, along with being able to bank in-person and online. Cons include interest rates not being quite as high as what you’d find at online banks, although they’re still much higher than the national average.
Capital One 360 Personal Bank Account Reviews
Capital One 360 Performance Savings
Capital One 360 Performance Savings
Fees
no monthly service fee
Annual Percentage Yield (APY)
4.25%
Minimum Opening Deposit
$0
- Competitive APY
- No opening deposit or minimum account balance
- No monthly service fee
- Easy to save for various goals
- 24/7 live chat
- Limited access to customer service by phone
Product Details
- Over 280 branches in NY, LA, TX, MD, VA, NJ, and Washington, DC
- Interest compounded daily, paid monthly
- FDIC insured
Capital One 360 savings account interest rates are pretty high, although they aren’t as high as what the top high-yield savings accounts offer. This savings account doesn’t require an initial deposit or minimum account balance, and it doesn’t charge a monthly service fee.
Your child can earn 2.50% Annual Percentage Yield (APY) with a kids savings account, and the rate will jump up to the regular interest rate once they turn 18.
This savings account makes it easy to save for various goals. Set a savings goal and your target amount, then schedule recurring transfers from your checking account until you’ve saved the full amount.
Capital One 360 Checking
Capital One 360 Checking
Fees
no monthly service fee
Annual Percentage Yield (APY)
See website for details
Minimum Opening Deposit
$0
- Earn interest on all account balances
- No opening deposit or minimum account balance
- No monthly service fee
- No foreign transaction fee
- Range of overdraft protection options
- Processes direct deposits up to 2 days early
- Doesn’t reimburse out-of-network ATM fees
- Limited access to customer service by phone
Product Details
- Over 70,000 free ATMs nationwide
- Branches in NY, LA, TX, MD, VA, NJ, and Washington, DC
- Interest compounded daily, paid monthly
- FDIC insured
Capital One doesn’t charge foreign transaction fees, making it a great option for regular travelers. There are no monthly fees, and you have two solid overdraft services: free savings transfers and no-fee overdrafts.
With free savings transfers, you’ll link your checking account to a savings account. If you overdraw from your checking account, Capital One will make one transfer to cover your overdraft.
No-fee overdraft is a service where Capital One approves check payments, bill payments, or recurring debit payments even if it results in a negative balance for your account. To qualify, you’ll need to receive at least $250 in direct deposits during two of the three previous months.
The account also has an early direct deposit feature so you can receive paychecks up to two days early.
Capital One 360 CD
Capital One 360 CD
Annual Percentage Yield (APY)
3.90% to 5.00%
Minimum Opening Deposit
$0
- Competitive APY
- No minimum deposit
- Low-to-standard early withdrawal penalties
- No jumbo or no-penalty CDs
Product Details
- Terms ranging from 6 months to 5 years
- No minimum deposit
- Early withdrawal penalties ranging from 3 to 6 months interest
- Compounding interest to maximize your earnings
- FDIC insured
Capital One CD rates are pretty competitive, but you still might find the best CD rates with other online banks. The institution’s CDs come with term lengths ranging from six months to five years. Capital One does set itself apart by not requiring an initial deposit to open a CD — most banks ask for around $1,000.
Some banks offer more types of CDs, such as a no-penalty or jumbo CD. Your only option here is a regular term CD unless you go with another bank with better variety and CD rates.
Capital One Business Bank Account Reviews
Capital One 360 also offers business checking accounts and business savings accounts for small business owners. Both types come with monthly service fees, although they let you waive them if you meet certain requirements. If you’re looking for free business bank accounts, you might want to go with another bank.
Capital One Credit Card Reviews
Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
Regular APR
19.99% – 29.99% variable
Earn 75,000 bonus miles, plus $250 to use on Capital One Travel in your first cardholder year
Recommended Credit
Good to Excellent
- $50 experience credit and free upgrades on Capital One Lifestyle Collection bookings
- Includes up to a $100 statement credit for Global Entry or TSA PreCheck
- Other credit cards offer higher rewards in certain categories of spending
Product Details
- Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening – that’s equal to $1,000 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Miles won’t expire for the life of the account and there’s no limit to how many you can earn
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
- Transfer your miles to your choice of 15+ travel loyalty programs
Read Business Insider’s Capital One Venture Rewards Card Review.
Capital One Venture X Rewards Credit Card
Capital One Venture X Rewards Credit Card
Regular APR
19.99% – 29.99% variable
Recommended Credit
Excellent
- Excellent welcome bonus and miles earning
- Premium perks including airport lounge access and credits for certain purchases
- Visa Infinite benefits including travel and shopping protections
- High annual fee
- Annual travel credits only apply to Capital One Travel purchases
Product Details
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
- Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
- Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
Read Business Insider’s Capital One Venture X Rewards Card Review.
Capital One VentureOne Rewards Credit Card
Capital One VentureOne Rewards Credit Card
Intro APR
0% intro APR on purchases and balance transfers for 15 months (intro fee of 3% for the first 15 months, then 4% of the amount of each balance transfer at a promotional APR that Capital One may offer you at any other time)
Regular APR
19.99% – 29.99% Variable
Recommended Credit
Good to Excellent
- No annual fee or foreign transaction fees
- Versatile rewards
- Earn 1.25 miles per dollar on all purchases with no bonus categories to track
- Lower earning rate than some other no-annual-fee rewards cards
- Limited benefits
Product Details
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won’t expire for the life of the account and there’s no limit to how many you can earn
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase-or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% – 29.99% variable APR after that; balance transfer fee applies
Read Business Insider’s Capital One VentureOne Rewards Card Review.
Capital One Platinum Credit Card
Capital One Platinum Credit Card
Regular APR
29.99% variable
Recommended Credit
Average, Fair and Limited
- Automatically be considered for a higher credit line in as little as 6 months
- No annual fee
- No extra benefits and no rewards
Product Details
- No annual or hidden fees. See if you’re approved in seconds
- Be automatically considered for a higher credit line in as little as 6 months
- Help build your credit through responsible use of a card like this
- Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It’s free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One’s mobile app
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you’re all set
- Pay by check, online or at a local branch, all with no fee – and pick the monthly due date that works best for you
Read Business Insider’s Capital One Platinum Card Review.
Capital One Platinum Secured Credit Card
Capital One Platinum Secured Credit Card
Regular APR
29.99% Variable
Recommended Credit
Limited, Bad
- Minimum deposit ($49) is lower than with some other secured cards
- You can be automatically considered for a higher credit line in as little as 6 months with no additional deposit
- No rewards
Product Details
- No annual or hidden fees. See if you’re approved in seconds
- Building your credit? Using the Capital One Platinum Secured card responsibly could help
- Put down a refundable security deposit starting at $49 to get a $200 initial credit line
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It’s free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One’s mobile app
Read Business Insider’s Capital One Platinum Secured Card Review.
Capital One SavorOne Cash Rewards Credit Card
Capital One SavorOne Cash Rewards Credit Card
Intro APR
0% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time)
Regular APR
19.99% – 29.99% Variable
Recommended Credit
Good to Excellent
- No annual fee
- Bonus cash back on dining, entertainment, and grocery store purchases
- Long intro APR period for purchases and balance transfers
- Other cards earn more cash back in certain bonus categories
- Not the highest sign-up bonus among cash-back cards
Product Details
- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% – 29.99% variable APR after that; balance transfer fee applies
- No foreign transaction fee
- No annual fee
Read Business Insider’s Capital One SavorOne Card Review.
Capital One SavorOne Student Cash Rewards Credit Card
Capital One SavorOne Student Cash Rewards Credit Card
Regular APR
19.99% – 29.99% Variable
Recommended Credit
Average, Fair, Limited
- Good welcome bonus with an easy spending requirement
- Strong 3% cash back earning in popular everyday spending categories for students like dining, entertainment, eligible streaming services, and grocery stores (excluding superstores like Walmart® and Target®)
- No annual fee or foreign transaction fees
- Only available to college students
Product Details
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases
- Early Spend Bonus: Earn $50 when you spend $100 in the first three months
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
- Enjoy no annual fee, foreign transaction fees, or hidden fees
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
- Earn up to $500 a year by referring friends and family when they’re approved for a Capital One credit card
- Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
- Build your credit with responsible card use
- Whether you’re at a 4-year university, community college or other higher education institution, this card might be an option for you
Read Business Insider’s Capital One SavorOne Student Card Review.
Capital One Quicksilver Cash Rewards Credit Card
Capital One Quicksilver Cash Rewards Credit Card
Intro APR
0% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time)
Regular APR
19.99% – 29.99% Variable
Earn a one-time $200 cash bonus
Recommended Credit
Good to Excellent
- Earns 1.5% cash back on every purchase
- Intro APR on purchases and balance transfers
- No annual fee and no foreign transaction fees
- Other cards earn more cash back
Product Details
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% – 29.99% variable APR after that; balance transfer fee applies
Read Business Insider’s Capital One Quicksilver Cash Rewards Card Review.
Capital One Quicksilver Secured Cash Rewards Credit Card
Capital One Quicksilver Secured Cash Rewards Credit Card
Regular APR
29.99% Variable
Recommended Credit
Limited, No History
- Earns 1.5% cash back on all purchases with no limits
- You can get approved for this card with limited credit
- Ability to increase credit line and potential to improve credit score with responsible use
- No welcome bonus
- Because it’s a secured credit card, you’ll have to put down a security deposit for your initial credit line
- High APR if you carry a balance
Product Details
- No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you’re approved in seconds
- Put down a refundable $200 security deposit to get a $200 initial credit line
- Building your credit? Using a card like this responsibly could help
- Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
- Monitor your credit score with CreditWise from Capital One. It’s free for everyone
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
Read Business Insider’s Capital One Quicksilver Secured Cash Rewards Card Review.
Capital One Quicksilver Student Cash Rewards Credit Card
Capital One Quicksilver Student Cash Rewards Credit Card
Regular APR
19.99% – 29.99% Variable
Recommended Credit
Average, Fair, Limited
- Good welcome bonus with an easy spending requirement
- Solid cash back earning on all purchases with no bonus categories to track
- No annual fee or foreign transaction fees
- Only available to college students
Product Details
- Earn unlimited 1.5% cash back on every purchase, every day
- Early Spend Bonus: Earn $50 when you spend $100 in the first three months
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
- Enjoy no annual fee, foreign transaction fees, or hidden fees
- Lock your card in the Capital One Mobile app if it’s misplaced, lost or stolen
- Earn up to $500 a year by referring friends and family when they’re approved for a Capital One credit card
- Build your credit with responsible card use
- Whether you’re at a 4-year university, community college or other higher education institution, this card might be an option for you
Read Business Insider’s Capital One Quicksilver Student Cash Rewards Card Review.
Capital One QuicksilverOne Cash Rewards Credit Card
Capital One QuicksilverOne Cash Rewards Credit Card
Regular APR
29.99% variable
Recommended Credit
Average, Fair and Limited
- Earn 5% back on Capital One Travel hotel and car rental bookings and 1.5% on everything else
- You’re eligible to apply with limited or average credit
- You’ll automatically be considered for a higher credit line in as little as six months
- No welcome bonus
- Annual fee
- High APR for purchases and balance transfers
Product Details
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or limits to how much you can earn, and cash back doesn’t expire for the life of the account. It’s that simple
- Be automatically considered for a higher credit line in as little as 6 months
- Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
- Help strengthen your credit for the future with responsible card use
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
- Monitor your credit score with CreditWise from Capital One. It’s free for everyone
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you’re all set
Read Business Insider’s Capital One QuicksilverOne Cash Rewards Card Review.
Capital One has excellent personal credit cards. Several of Capital One’s credit cards made our best credit cards guide.
The best Capital One credit cards offer impressive travel rewards and cash back options. Many of them also have noteworthy sign-up bonuses if you meet certain criteria.
Capital One Venture X Business Card†
Capital One Venture X Business Card†
Regular APR
no APR but a 2.99% monthly late fee if balance is not paid in full
Recommended Credit
Excellent
- Excellent earning rates and perks that offset the high annual fee
- Premium benefits include travel statement credits and airport lounge access
- No preset spending limit for flexibility
- Balance must be paid in full each month to avoid a late fee
- Annual travel statement credits only apply to Capital One Travel purchases
Read Business Insider’s Capital One Venture X Business Card Review.
Capital One Spark Cash Select for Excellent Credit†
Capital One Spark Cash Select for Excellent Credit†
Regular APR
18.49% – 24.49% Variable
Recommended Credit
Excellent
- Strong welcome bonus for a no-annual-fee card
- Solid 1.5% cash back on all purchases with no limit to what you can earn
- No intro APR offer
- Other similar small-business cards have stronger travel and purchase benefits
- Requires excellent credit to qualify
Read Business Insider’s Capital One Spark Cash Select for Business Card Review.
Capital One Spark Miles for Business†
Capital One Spark Miles for Business†
Annual Fee
$95, waived the first year
Regular APR
26.24% Variable
Recommended Credit
Excellent
- No bonus categories to keep track of
- Annual fee is waived the first year
- You can redeem miles to erase travel purchases from your statement, or you can transfer to various airline and hotel programs
- Not many extra benefits
Read Business Insider’s Capital One Spark Miles for Business Card Review.
Capital One Spark Cash Plus†
Capital One Spark Cash Plus†
Recommended Credit
Excellent
- Potential to earn $1,200 in cash back from the welcome bonus
- No preset spending limit
- Strong 2% cash back rate on all purchases and no limits to the rewards you can earn
- Annual $150 annual fee refund has a very high spending requirement
- Relatively high annual fee
- Because it’s a charge card, you must pay off your balance in full each month
Read Business Insider’s Capital One Spark Cash Plus Card Review.
Capital One Spark 1% Classic†
Capital One Spark 1% Classic†
Regular APR
30.49% Variable
- No annual fee
- Travel and purchase protection
- Some other business cards offer better rewards
- No welcome bonus
Read Business Insider’s Capital One Spark 1% Classic Card Review.
Capital One Spark Miles Select for Business†
Capital One Spark Miles Select for Business†
Regular APR
17.99% – 23.99% variable APR
- Generous welcome bonus offer
- Earn flexible rewards you can transfer to airline and hotel partners
- No annual fee or foreign transaction fees
- Few travel benefits typical of other travel cards
- No intro APR offer
- Some small-business credit cards offer higher earning rates with no annual fee
Read Business Insider’s Capital One Spark Miles Select Card Review.
Capital One 360 also offers strong business credit cards for small business owners. It offers both cash-back business credit cards and travel business credit cards.
How Capital One 360 Compares
Capital One 360 Bank vs. Ally Bank
Ally Bank will be the strongest option if you’d like to open a money market account, because Capital One 360 doesn’t have one.
For savings accounts, it could be a close toss-up between Ally vs. Capital One 360. Each has a similar structure to their savings accounts.
If you’re looking to open a checking account, Capital One might be more appealing. It offers more ways to access your account. The bank also has physical locations in some states and a bigger ATM network.
Ally Bank Review
Capital One 360 Bank vs. Chime
If you’re trying to decide between Chime versus Capital One 360, the latter has the strongest accounts overall. It pays higher interest rates on savings, and its CDs have strong rates. Meanwhile, Chime doesn’t offer CDs at all.
You’ll have to open a checking account with Chime to qualify for a savings account. Its checking account is solid, but it charges a fee for using out-of-network ATMs, and it doesn’t have as many overdraft options as Capital One.
Chime Review
Capital One 360 Bank vs. Discover Bank
Discover® Money Market Account requires $0 to open a money market account, and Capital One 360 doesn’t have a money market account at all.
For CDs, it’ll be a toss-up between the two institutions. Both banks offer similar rates on most terms so it could ultimately come down to how much you have to open a CD.
Discover Bank Review
Why You Should Trust Us: How We Reviewed Capital One 360
When we rate a bank, we consider ethics, customer support, and the mobile app. When rating a specific bank account, we consider factors like the interest rate, minimum opening deposit, fees, and more. Read more about how Personal Finance Insider rates CDs, checking accounts, and savings accounts.
Chime® Checking Account
Set up Direct Deposit and get your paycheck up to 2 days before your coworkers.** No overdraft fees. No monthly fees.
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