American Express CD vs Capital One 360 1-Year CD
Side by side on the numbers that decide it. The Money 8020 Score already weighs these. This page is the receipts.
Money 8020 pick AE American Express CD American Express National Bank 97/100 | CO Capital One 360 1-Year CD Capital One 97/100 | |
|---|---|---|
| Tier | Essential | Essential |
| 12-month APY | 3.65% | 4.00% |
| FDIC insured | Yes | Yes |
| 10-month APY | 4.40% | — |
| 22-month APY | 4.40% | — |
| Minimum balance | $0 | — |
| Annual fee | — | — |
| Best for | Savers who want a 10-month CD with no minimum | Savers who want a short CD with no minimum |
| View profile | View profile |
Which should you choose: the American Express CD or the Capital One 360 1-Year CD?
The American Express CD and the Capital One 360 1-Year CD score evenly at 97/100 in our ranking, so the better choice comes down to fit. Lean to the Capital One 360 1-Year CD if savers who want a short CD with no minimum; otherwise the American Express CD is the safer default.
On 12-month APY, the American Express CD shows 3.65% versus the Capital One 360 1-Year CD's 4.00%. Both figures are reflected in the Money 8020 score above; confirm current terms with each provider before deciding. This is not financial advice.
American Express CD vs Capital One 360 1-Year CD: FAQ
Is the American Express CD or the Capital One 360 1-Year CD better?
The two score evenly at 97/100 in our ranking, so the right pick depends on your situation. The Capital One 360 1-Year CD fits if savers who want a short CD with no minimum, otherwise the American Express CD is a safe default.
What is the main difference between the American Express CD and the Capital One 360 1-Year CD?
On 12-month APY, the American Express CD offers 3.65% while the Capital One 360 1-Year CD offers 4.00%. Review the full table above and confirm current terms with each provider. This is not financial advice.