Opinions expressed here are our own, not those of any bank, credit card issuer, airlines or hotel chain. Terms apply to offers listed.
The Capital One 360 Performance Savings account currently offers 3.50% APY on all balances, with no fees and no minimum balance required. I like how simple that makes things—you don’t need to worry about hidden charges eating into your earnings or having to keep some high balance to get the advertised rate. It’s also FDIC‑insured, so your money is held safely, and the account is managed through a solid app that gives you access 24/7.
What sets this account apart is ease of access. You can transfer money easily between accounts, deposit by check via your phone, and use automatic savings tools to help you build up your balance over time—all without stepping into a branch. The rate is variable, which means it can go up or down depending on economic conditions; that’s just how savings accounts work. If you’re someone who prefers predictable growth, this version of savings is good, but you’ll need to be okay with a little fluctuation.
Overall, this is a strong HYSA option if you want a reliable place to park savings with decent interest and minimal friction. If you’re only saving and don’t need extras like checking features or in‑person banking, this one might hit that sweet spot for low effort + steady return.
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I don’t include all US credit card offers available on this site. Instead, I write primarily about cards which earn airline miles, hotel points, and some cash back (or have points that can be converted into the same).
Editorial Note: The opinions, analyses, and evaluations here are mine and not provided by any bank including (but not limited to) American Express, Chase, Citibank, US Bank, Barclays or any other company. They have not reviewed, approved or endorsed what I have to say.
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