Too close to call. American Express HYSA (91.7%) and Capital One 360 Performance Savings (90.0%) are within 1.7 points, under our 3-point threshold, so we don't name a winner.
Data as of · Last updated · By VaultRubric Research · How we score · Not investment advice.
American Express HYSA and Capital One 360 are both popular high-yield savings accounts. Here are the sourced facts side by side, then VaultRubric's equal-weight score with the math shown. Every value links to its source with an as-of date; anything we couldn't verify says not found.
Rates change often — verify on the bank's or broker's site before opening an account. Every value shows its as-of date; ⚑ marks figures from third-party sites. Not financial advice.
Run your own comparison →Opens the tool with these platforms filled in, so you can change the weights.
| Fact | American Express HYSA | Capital One 360 |
|---|---|---|
| APY (standard) | 3.1% src · 2026-10-10 | 3.1% src · 2026-10-11 |
| APY conditions | not found | not found |
| Promo (not scored) | not found | not found |
| Minimum to earn APY | $0 src · 2026-10-10 | $0 src · 2026-10-11 |
| Monthly fee | $0 src · 2026-10-10 | $0 src · 2026-10-11 |
| Deposit insurance | Up to $250,000 src · 2026-10-10 FDIC member (American Express National Bank) | Up to $250,000 src · 2026-10-10 FDIC; Capital One, N.A. |
| FDIC cert | 27471 (American Express National Bank) src · 2026-10-10 | 4297 (Capital One, National Association) src · 2026-10-10 |
| Regulatory actions (5 yrs) | none found in last 5 yrs src · 2026-10-10 | 2025-01-14 CFPB: CFPB sued over 360 Savings vs 360 Performance Savings rates; voluntarily dismissed with prejudice 2025-02-27 src 2026-04-20 Court (class action): $425M class settlement final approval; appeal pending (4th Cir. 26-1807); 360 Savings rate matched to Performance Savings eff. 2026-08-04 src |
Too close to call: American Express HYSA and Capital One 360 Performance Savings are within 1.7 points (under 3). Pick on the criteria you care about most.
⚠ Capital One 360 Performance Savings: Regulatory: CFPB: CFPB sued over 360 Savings vs 360 Performance Savings rates; voluntarily dismissed with prejudice 2025-02-27 (2025-01-14)
⚠ Capital One 360 Performance Savings: Regulatory: Court (class action): $425M class settlement final approval; appeal pending (4th Cir. 26-1807); 360 Savings rate matched to Performance Savings eff. 2026-08-04 (2026-04-20)
| Criterion (weight) | American Express HYSA | Capital One 360 Performance Savings |
|---|---|---|
| APY (standard rate) (17%) | 10.0/10 | 10.0/10 |
| Minimum to earn APY (17%) | 10.0/10 | 10.0/10 |
| Fees (17%) | 10.0/10 | 10.0/10 |
| Deposit insurance (17%) | 9.0/10 | 9.0/10 |
| Regulatory record (17%) | 10.0/10 | 9.0/10 |
| Access (ATM/app/support) (17%) | 6.0/10 | 6.0/10 |
| Overall | 91.7% coverage 100% | 90.0% coverage 100% |
0.167×10.0 + 0.167×10.0 + 0.167×10.0 + 0.167×9.0 + 0.167×10.0 + 0.167×6.0 = 9.17 → 91.7%0.167×10.0 + 0.167×10.0 + 0.167×10.0 + 0.167×9.0 + 0.167×9.0 + 0.167×6.0 = 9.00 → 90.0%Opens the tool with these platforms filled in, so you can change the weights.
Too close to call on equal weights (91.7% vs 90.0%). Change the weights in the tool to match your priorities.
Standard APY in our data: American Express HYSA 3.1% (as of 2026-10-10), Capital One 360 3.1% (as of 2026-10-11). Rates are variable; check each bank's site.
Our data lists: 2025-01-14 CFPB: CFPB sued over 360 Savings vs 360 Performance Savings rates; voluntarily dismissed with prejudice 2025-02-27; 2026-04-20 Court (class action): $425M class settlement final approval; appeal pending (4th Cir. 26-1807); 360 Savings rate matched to Performance Savings eff. 2026-08-04.
Only from our curated dataset (official pages, regulators, and flagged third-party sites), with fixed formulas shown in “Show math”. No AI or live scraping, so the same comparison always gives the same result. Not financial advice.