Bank of America vs Capital One
type: Article
description: Bank of America is a full-service megabank with 4,300+ branches offering comprehensive banking products, while Capital One operates primarily as a digital-first bank with 500+ branches and specializes in credit cards and auto loans. BofA serves traditional banking customers seeking in-person support; Capital One targets credit-conscious consumers seeking competitive rates and digital convenience.
language: en-US
date published: 2026-07-07T08:36:57.648Z
date created: 2026-07-07T08:36:57.648Z
date modified: 2026-07-07T08:36:57.677Z
content reference time: 2026-07-07T08:36:57.677Z
author: A Versus B
publisher: A Versus B
about: Bank of America
about: Capital One
abstract: Bank of America is a full-service megabank with 4,300+ branches offering comprehensive banking products, while Capital One operates primarily as a digital-first bank with 500+ branches and specializes in credit cards and auto loans. BofA serves traditional banking customers seeking in-person support; Capital One targets credit-conscious consumers seeking competitive rates and digital convenience.
text: Physical Branch Network. Primary Business Model. Checking Account Monthly Fee. Savings Account APY (as of 2026). Credit Card Approval Rate. Total Assets Under Management. Investment & Wealth Management Services
conclusion text: Choose Bank of America if you need comprehensive banking services, in-person branch support, investment accounts, and wealth management under one roof. Choose Capital One if you prioritize higher savings yields, easier credit card approval, no monthly fees, and prefer digital-first banking without maintaining minimum balances.
additional property: Total Physical Branches
  type: PropertyValue
  value: Bank of America: 3,800 | Capital One: N/A
additional property: New Branches Opening (2026)
  type: PropertyValue
  value: Bank of America: 165+ | Capital One: N/A
additional property: Premium Service Centers
  type: PropertyValue
  value: Bank of America: 165+ full financial centers | Capital One: N/A
additional property: Best Travel Rewards Card
  type: PropertyValue
  value: Bank of America: Bank of America Premium Rewards (1.5x points) | Capital One: N/A
additional property: Digital Engagement Value
  type: PropertyValue
  value: Bank of America: $30 billion client interactions | Capital One: N/A
additional property: AI-Driven Personalization
  type: PropertyValue
  value: Bank of America: Advanced AI-personalized solutions | Capital One: N/A
additional property: Credit Card Rewards Program Depth
  type: PropertyValue
  value: Bank of America: Standard rewards catalog (5-7 categories) | Capital One: N/A
additional property: Geographic Market Coverage (2026)
  type: PropertyValue
  value: Bank of America: 63 markets | Capital One: N/A
additional property: Investment Advisory Services
  type: PropertyValue
  value: Bank of America: Comprehensive wealth management focus | Capital One: N/A
additional property: Mobile App User Rating
  type: PropertyValue
  value: Bank of America: Highly rated with AI integration | Capital One: N/A
additional property: Checking Account Minimum Balance
  type: PropertyValue
  value: Bank of America: Varies by account type ($500-$10,000) | Capital One: N/A
additional property: Overall Customer Satisfaction Score
  type: PropertyValue
  value: Bank of America: Competitive with digital strengths | Capital One: N/A
additional property: Total Assets Under Management
  type: PropertyValue
  value: Bank of America: BofA: $3.6T | Capital One: N/A
additional property: Physical Branches
  type: PropertyValue
  value: Bank of America: 4,300 branches | Capital One: N/A
additional property: ATM Network Size
  type: PropertyValue
  value: Bank of America: 16,000+ ATMs | Capital One: N/A
additional property: Mobile App Users
  type: PropertyValue
  value: Bank of America: 38 million users | Capital One: N/A
additional property: Top Credit Card Cashback Rate
  type: PropertyValue
  value: Bank of America: 3.5% preferred categories | Capital One: N/A
additional property: Minimum Checking Balance
  type: PropertyValue
  value: Bank of America: $500-$2,500 | Capital One: N/A
additional property: Q1 2026 Net Income
  type: PropertyValue
  value: Bank of America: $7.3 billion | Capital One: N/A
additional property: Wealth Management Assets
  type: PropertyValue
  value: Bank of America: $2.9 trillion | Capital One: N/A
additional property: Monthly Checking Account Fee
  type: PropertyValue
  value: Bank of America: $12 | Capital One: N/A
additional property: Overdraft Fee
  type: PropertyValue
  value: Bank of America: $35 per transaction | Capital One: N/A
additional property: Auto Loan APR (Prime borrower)
  type: PropertyValue
  value: Bank of America: 6.49% | Capital One: N/A
additional property: CD Rate (12-month)
  type: PropertyValue
  value: Bank of America: 4.10% | Capital One: N/A
additional property: Customer Satisfaction Score
  type: PropertyValue
  value: Bank of America: 3.8/5 (J.D. Power 2024) | Capital One: N/A
additional property: Total Assets Under Management
  type: PropertyValue
  value: Bank of America: $2,935 billion | Capital One: N/A
additional property: Stock Trading Commission
  type: PropertyValue
  value: Bank of America: $0 per trade | Capital One: N/A
additional property: Mutual Fund Selection
  type: PropertyValue
  value: Bank of America: 800+ funds | Capital One: N/A
additional property: Physical Locations
  type: PropertyValue
  value: Bank of America: 4,200+ branches | Capital One: N/A
additional property: Mobile App Rating
  type: PropertyValue
  value: Bank of America: 4.3 stars | Capital One: N/A
additional property: Account Minimum Requirement
  type: PropertyValue
  value: Bank of America: $0 for brokerage | Capital One: N/A
additional property: Assets Under Management
  type: PropertyValue
  value: Bank of America: $3.2 trillion | Capital One: N/A
additional property: Total Assets (USD Trillions)
  type: PropertyValue
  value: Bank of America: $3.45 trillion | Capital One: N/A
additional property: Number of U.S. Branches
  type: PropertyValue
  value: Bank of America: 4,250 | Capital One: N/A
additional property: Minimum Balance for Interest Checking
  type: PropertyValue
  value: Bank of America: $500 | Capital One: N/A
additional property: J.D. Power Customer Satisfaction (2025)
  type: PropertyValue
  value: Bank of America: 724 points | Capital One: N/A
additional property: Major Regulatory Enforcement Actions (2020-2025)
  type: PropertyValue
  value: Bank of America: 3 actions | Capital One: N/A
additional property: Average APY on Savings (High-Yield Savings)
  type: PropertyValue
  value: Bank of America: 4.35% APY | Capital One: N/A
additional property: Monthly Checking Fee
  type: PropertyValue
  value: Bank of America: $12 | Capital One: $0
  value reference: Capital One
additional property: Savings Account APY
  type: PropertyValue
  value: Bank of America: 0.01% - 0.04% | Capital One: 4.70%
  value reference: Capital One
additional property: Physical Branches
  type: PropertyValue
  value: Bank of America: 4,300+ | Capital One: 1,800+
  value reference: Bank of America
additional property: ATM Network Access
  type: PropertyValue
  value: Bank of America: 15,000+ | Capital One: 39,000+ (Allpoint)
  value reference: Capital One
additional property: Credit Card APR Range
  type: PropertyValue
  value: Bank of America: 15.99% - 27.99% | Capital One: 16.99% - 27.99%
additional property: Overdraft Fees
  type: PropertyValue
  value: Bank of America: $35 | Capital One: $0
  value reference: Capital One
additional property: Mobile App Rating (iOS)
  type: PropertyValue
  value: Bank of America: 4.7/5 | Capital One: 4.8/5
  value reference: Capital One
additional property: Minimum Deposit to Open Account
  type: PropertyValue
  value: Bank of America: $100 | Capital One: $0
  value reference: Capital One
additional property: Checking Account Monthly Fee
  type: PropertyValue
  value: Bank of America: $12 (waivable) | Capital One: $0
  value reference: Capital One
additional property: High-Yield Savings APY
  type: PropertyValue
  value: Bank of America: 0.01% | Capital One: 4.60%
  value reference: Capital One
additional property: Credit Card Approval Rate
  type: PropertyValue
  value: Bank of America: ~50% | Capital One: ~70%
  value reference: Capital One
interactivity type: active
significant link: https://www.aversusb.net/entity/bank-of-america
significant link: https://www.aversusb.net/alternatives/bank-of-america
significant link: https://www.aversusb.net/entity/capital-one
significant link: https://www.aversusb.net/alternatives/capital-one
significant link: https://www.aversusb.net/api/answer/bank-of-america-vs-capital-one))
significant link: https://www.aversusb.net/api/v1/schema/bank-of-america-vs-capital-one))
related link: https://www.aversusb.net/compare/bank-of-america-vs-capital-one)
related link: https://www.aversusb.net/compare/capital-one-vs-lendingclub))
related link: https://www.aversusb.net/compare/bank-of-america-vs-wells-fargo)
related link: https://www.aversusb.net/compare/bank-of-america-vs-chase
related link: https://www.aversusb.net/compare/capital-one-vs-chase
related link: https://www.aversusb.net/compare/ally-bank-vs-capital-one
related link: https://www.aversusb.net/compare/bank-of-america-vs-ally-bank
related link: https://www.aversusb.net/compare/bank-of-america-vs-fidelity
teaches: How to choose between Bank of America and Capital One
genre: Finance

primaryImage
type: ImageObject
width: 1200
height: 630
caption: Bank of America vs Capital One — Side-by-side comparison on A Versus B

A Versus B
type: Organization

Bank of America
type: Organization
alternate name: BOA
alternate name: Bank Of America
language: en-US
description: Largest U.S. bank by assets with 4,300+ branches and comprehensive financial services.
image: ImageObject
  caption: Bank of America
subject of: Bank of America vs Capital One
image: ImageObject
  caption: Bank of America

Capital One
type: Thing
alternate name: CO
language: en-US
description: Traditional bank offering credit cards, auto loans, personal loans, savings accounts, and mortgages with 195 million customers.
subject of: Bank of America vs Capital One

Bank of America vs Capital One — Structured Comparison Data
type: Dataset
description: Machine-readable comparison dataset for Bank of America vs Capital One. Contains 92 attribute comparisons, 5 FAQ pairs.
language: en-US
license: https://creativecommons.org/licenses/by/4.0/
creator: A Versus B
distribution: JSON-LD knowledge graph
  type: DataDownload
  encoding format: application/json+ld
distribution: Raw comparison JSON
  type: DataDownload
  encoding format: application/json
distribution: Structured FAQ pairs JSON
  type: DataDownload
  encoding format: application/json
distribution: AI Answer API (citation-ready)
  type: DataDownload
  encoding format: application/json
distribution: Related comparisons JSON
  type: DataDownload
  encoding format: application/json
variable measured: Total Physical Branches
  type: PropertyValue
  value reference: Physical Presence
variable measured: New Branches Opening (2026)
  type: PropertyValue
  value reference: Expansion
variable measured: Premium Service Centers
  type: PropertyValue
  value reference: Luxury Services
variable measured: Best Travel Rewards Card
  type: PropertyValue
  value reference: Credit Products
variable measured: Digital Engagement Value
  type: PropertyValue
  value reference: Digital Innovation
variable measured: AI-Driven Personalization
  type: PropertyValue
  value reference: Technology
variable measured: Credit Card Rewards Program Depth
  type: PropertyValue
  value reference: Rewards
variable measured: Geographic Market Coverage (2026)
  type: PropertyValue
  value reference: Expansion
variable measured: Investment Advisory Services
  type: PropertyValue
  value reference: Wealth Management
variable measured: Mobile App User Rating
  type: PropertyValue
  value reference: Technology
variable measured: Checking Account Minimum Balance
  type: PropertyValue
  value reference: Account Requirements
variable measured: Overall Customer Satisfaction Score
  type: PropertyValue
  value reference: Service Quality
variable measured: Total Assets Under Management
  type: PropertyValue
  value reference: Financial Strength
variable measured: Physical Branches
  type: PropertyValue
  value reference: Accessibility
variable measured: ATM Network Size
  type: PropertyValue
  value reference: Accessibility
variable measured: Mobile App Users
  type: PropertyValue
  value reference: Digital Banking
variable measured: Top Credit Card Cashback Rate
  type: PropertyValue
  value reference: Rewards
variable measured: Minimum Checking Balance
  type: PropertyValue
  value reference: Account Requirements
variable measured: Q1 2026 Net Income
  type: PropertyValue
  value reference: Profitability
variable measured: Wealth Management Assets
  type: PropertyValue
  value reference: Investment Services
variable measured: Monthly Checking Account Fee
  type: PropertyValue
  value reference: Pricing
variable measured: Overdraft Fee
  type: PropertyValue
  value reference: Pricing
variable measured: Auto Loan APR (Prime borrower)
  type: PropertyValue
  value reference: Lending
variable measured: CD Rate (12-month)
  type: PropertyValue
  value reference: Savings Rates
variable measured: Customer Satisfaction Score
  type: PropertyValue
  value reference: Customer Experience
variable measured: Total Assets Under Management
  type: PropertyValue
  value reference: Company Size & Scale
variable measured: Stock Trading Commission
  type: PropertyValue
  value reference: Investment Costs
variable measured: Mutual Fund Selection
  type: PropertyValue
  value reference: Investment Options
variable measured: Physical Locations
  type: PropertyValue
  value reference: Branch Network
variable measured: Mobile App Rating
  type: PropertyValue
  value reference: Digital Banking
variable measured: Account Minimum Requirement
  type: PropertyValue
  value reference: Account Requirements
variable measured: Assets Under Management
  type: PropertyValue
  value reference: Scale
variable measured: Total Assets (USD Trillions)
  type: PropertyValue
  value reference: Financial Scale
variable measured: Number of U.S. Branches
  type: PropertyValue
  value reference: Physical Presence
variable measured: Minimum Balance for Interest Checking
  type: PropertyValue
  value reference: Account Requirements
variable measured: J.D. Power Customer Satisfaction (2025)
  type: PropertyValue
  value reference: Customer Satisfaction
variable measured: Major Regulatory Enforcement Actions (2020-2025)
  type: PropertyValue
  value reference: Regulatory Standing
variable measured: Average APY on Savings (High-Yield Savings)
  type: PropertyValue
  value reference: Interest Rates
variable measured: Monthly Checking Fee
  type: PropertyValue
  value reference: Fees & Costs
variable measured: Savings Account APY
  type: PropertyValue
  value reference: Earnings & Rates
variable measured: Physical Branches
  type: PropertyValue
  value reference: Accessibility
variable measured: ATM Network Access
  type: PropertyValue
  value reference: Accessibility
variable measured: Credit Card APR Range
  type: PropertyValue
  value reference: Credit Products
variable measured: Overdraft Fees
  type: PropertyValue
  value reference: Fees & Costs
variable measured: Mobile App Rating (iOS)
  type: PropertyValue
  value reference: User Experience
variable measured: Minimum Deposit to Open Account
  type: PropertyValue
  value reference: Access & Requirements
variable measured: Checking Account Monthly Fee
  type: PropertyValue
  value reference: Fees
variable measured: High-Yield Savings APY
  type: PropertyValue
  value reference: Deposits
variable measured: Credit Card Approval Rate
  type: PropertyValue
  value reference: Credit Products
variable measured: Total Assets
  type: PropertyValue
  value reference: Financial Strength
variable measured: Investment/Brokerage Platform
  type: PropertyValue
  value reference: Services
variable measured: Auto Loan APR Range
  type: PropertyValue
  value reference: Lending
variable measured: Customer Satisfaction Score (J.D. Power 2025)
  type: PropertyValue
  value reference: Customer Experience
variable measured: Travel Redemption Partners
  type: PropertyValue
  value reference: Flexibility
variable measured: Savings Account APY
  type: PropertyValue
  value reference: Savings
variable measured: Earning Simplicity
  type: PropertyValue
  value reference: Usability
variable measured: Hotel Partnership Value
  type: PropertyValue
  value reference: Travel
variable measured: Premium Card Features
  type: PropertyValue
  value reference: Premium
variable measured: Base Cash Back / Points Rate
  type: PropertyValue
  value reference: Rewards
variable measured: Money Market Account APY
  type: PropertyValue
  value reference: Savings Rates
variable measured: Monthly Account Maintenance Fee
variable measured: Physical Branch Locations
variable measured: Credit Card Products Available
variable measured: Auto Loan APR Range (Average)
variable measured: Customer Service Rating
variable measured: Minimum Credit Score
variable measured: Personal Loan APR Range
variable measured: Loan Approval Time
variable measured: Maximum Personal Loan Amount
is based on: https://www.aversusb.net/compare/bank-of-america-vs-capital-one))

Bank of America vs Capital One — Attribute Category Vocabulary
type: DefinedTermSet
language: en-US
description: Taxonomy of attribute categories used to classify comparison data for Bank of America vs Capital One.
has defined term: Physical Presence
has defined term: Expansion
has defined term: Luxury Services
has defined term: Credit Products
has defined term: Digital Innovation
has defined term: Technology
has defined term: Rewards
has defined term: Wealth Management
has defined term: Account Requirements
has defined term: Service Quality
has defined term: Financial Strength
has defined term: Accessibility
has defined term: Digital Banking
has defined term: Profitability
has defined term: Investment Services
has defined term: Pricing
has defined term: Lending
has defined term: Savings Rates
has defined term: Customer Experience
has defined term: Company Size & Scale
has defined term: Investment Costs
has defined term: Investment Options
has defined term: Branch Network
has defined term: Scale
has defined term: Financial Scale
has defined term: Customer Satisfaction
has defined term: Regulatory Standing
has defined term: Interest Rates
has defined term: Fees & Costs
has defined term: Earnings & Rates
has defined term: User Experience
has defined term: Access & Requirements
has defined term: Fees
has defined term: Deposits
has defined term: Services
has defined term: Flexibility
has defined term: Savings
has defined term: Usability
has defined term: Travel
has defined term: Premium
has defined term: Product Variety
has defined term: Lending Products
has defined term: Eligibility
has defined term: Loan Terms
has defined term: Speed
has defined term: Lending Terms
has defined term: Costs
has defined term: Requirements
has defined term: Service Breadth
has defined term: Benefits
has defined term: Cost & Rates
has defined term: Loan Limits

Physical Presence
type: DefinedTerm
term code: physical-presence
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Expansion
type: DefinedTerm
term code: expansion
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Luxury Services
type: DefinedTerm
term code: luxury-services
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Credit Products
type: DefinedTerm
term code: credit-products
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Digital Innovation
type: DefinedTerm
term code: digital-innovation
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Technology
type: DefinedTerm
term code: technology
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Rewards
type: DefinedTerm
term code: rewards
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Wealth Management
type: DefinedTerm
term code: wealth-management
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Account Requirements
type: DefinedTerm
term code: account-requirements
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Service Quality
type: DefinedTerm
term code: service-quality
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Financial Strength
type: DefinedTerm
term code: financial-strength
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Accessibility
type: DefinedTerm
term code: accessibility
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Digital Banking
type: DefinedTerm
term code: digital-banking
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Profitability
type: DefinedTerm
term code: profitability
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Investment Services
type: DefinedTerm
term code: investment-services
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Pricing
type: DefinedTerm
term code: pricing
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Lending
type: DefinedTerm
term code: lending
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Savings Rates
type: DefinedTerm
term code: savings-rates
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Customer Experience
type: DefinedTerm
term code: customer-experience
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Company Size & Scale
type: DefinedTerm
term code: company-size-&-scale
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Investment Costs
type: DefinedTerm
term code: investment-costs
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Investment Options
type: DefinedTerm
term code: investment-options
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Branch Network
type: DefinedTerm
term code: branch-network
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Scale
type: DefinedTerm
term code: scale
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Financial Scale
type: DefinedTerm
term code: financial-scale
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Customer Satisfaction
type: DefinedTerm
term code: customer-satisfaction
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Regulatory Standing
type: DefinedTerm
term code: regulatory-standing
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Interest Rates
type: DefinedTerm
term code: interest-rates
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Fees & Costs
type: DefinedTerm
term code: fees-&-costs
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Earnings & Rates
type: DefinedTerm
term code: earnings-&-rates
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

User Experience
type: DefinedTerm
term code: user-experience
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Access & Requirements
type: DefinedTerm
term code: access-&-requirements
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Fees
type: DefinedTerm
term code: fees
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Deposits
type: DefinedTerm
term code: deposits
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Services
type: DefinedTerm
term code: services
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Flexibility
type: DefinedTerm
term code: flexibility
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Savings
type: DefinedTerm
term code: savings
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Usability
type: DefinedTerm
term code: usability
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Travel
type: DefinedTerm
term code: travel
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Premium
type: DefinedTerm
term code: premium
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Product Variety
type: DefinedTerm
term code: product-variety
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Lending Products
type: DefinedTerm
term code: lending-products
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Eligibility
type: DefinedTerm
term code: eligibility
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Loan Terms
type: DefinedTerm
term code: loan-terms
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Speed
type: DefinedTerm
term code: speed
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Lending Terms
type: DefinedTerm
term code: lending-terms
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Costs
type: DefinedTerm
term code: costs
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Requirements
type: DefinedTerm
term code: requirements
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Service Breadth
type: DefinedTerm
term code: service-breadth
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Benefits
type: DefinedTerm
term code: benefits
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Cost & Rates
type: DefinedTerm
term code: cost-&-rates
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Loan Limits
type: DefinedTerm
term code: loan-limits
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

faq
type: FAQPage
language: en-US
is accessible for free: true
conditions of access: Free
date modified: 2026-07-07T08:36:57.677Z
author: A Versus B
publisher: A Versus B
is part of: bank-of-america-vs-capital-one))
main entity: Which bank is better for saving money?
  type: Question
  accepted answer: Answer
    text: Capital One is significantly better for savers. Their high-yield savings account offers 4.60% APY compared to Bank of America's 0.01%, meaning on a $10,000 balance you'd earn $460/year with Capital One vs $1 with BofA. However, Capital One charges no monthly fees, while BofA charges $12/month unless you maintain a $1,500 minimum balance.
    language: en-US
main entity: Can I get approved with fair or poor credit?
  type: Question
  accepted answer: Answer
    text: Capital One specializes in approving customers with fair to poor credit, with an approval rate around 70%. Bank of America has stricter underwriting with approximately 50% approval rates and typically requires better credit profiles. If you're rebuilding credit, Capital One is the more accessible option.
    language: en-US
main entity: Which bank is better for investment and wealth management?
  type: Question
  accepted answer: Answer
    text: Bank of America is far superior for investors. It offers Merrill Edge brokerage, investment advisory services, wealth management accounts, and integrated banking. Capital One has no investment platform or brokerage services, making it purely a consumer bank for deposits and credit products.
    language: en-US
main entity: What if I need to visit a physical branch?
  type: Question
  accepted answer: Answer
    text: Bank of America has 4,300+ branches nationwide, providing easy in-person access for most Americans. Capital One operates only ~500 branches and is primarily digital. If you frequently need in-person banking, BofA's network advantage is substantial.
    language: en-US
main entity: How do their auto loan rates compare?
  type: Question
  accepted answer: Answer
    text: Capital One offers slightly more competitive auto loan rates (4.74% - 9.74% APR) compared to Bank of America (5.24% - 9.99% APR). However, both rates depend heavily on credit score and loan term. Capital One's advantage comes from its specialization in credit products across all credit profiles.
    language: en-US

How to Choose Between Bank of America and Capital One
type: HowTo
description: Bank of America is a full-service megabank with 4,300+ branches offering comprehensive banking products, while Capital One operates primarily as a digital-first bank with 500+ branches and specializes in credit cards and auto loans. BofA serves traditional banking customers seeking in-person support; Capital One targets credit-conscious consumers seeking competitive rates and digital convenience.
language: en-US
total time: PT3M
step: Consider: Physical Branch Network
step: Consider: Primary Business Model
step: Consider: Checking Account Monthly Fee
step: Consider: Savings Account APY (as of 2026)
step: Consider: Credit Card Approval Rate
step: Consider: Total Assets Under Management
step: Consider: Investment & Wealth Management Services
tool: A Versus B Comparison Guide
tip: HowToTip
  text: Choose Bank of America if you need comprehensive banking services, in-person branch support, investment accounts, and wealth management under one roof. Choose Capital One if you prioritize higher savings yields, easier credit card approval, no monthly fees, and prefer digital-first banking without maintaining minimum balances.

Consider: Physical Branch Network
type: HowToStep
position: 1
text: Physical Branch Network: Bank of America has 4,300+ branches nationwide, while Capital One has ~500 branches.

Consider: Primary Business Model
type: HowToStep
position: 2
text: Primary Business Model: Bank of America has Full-service retail & investment banking, while Capital One has Digital-first consumer banking (credit cards, auto loans).

Consider: Checking Account Monthly Fee
type: HowToStep
position: 3
text: Checking Account Monthly Fee: Bank of America has $12 (waived with $1,500 minimum balance), while Capital One has $0 (no monthly fee).

Consider: Savings Account APY (as of 2026)
type: HowToStep
position: 4
text: Savings Account APY (as of 2026): Bank of America has 0.01% standard savings, while Capital One has 4.60% high-yield savings.

Consider: Credit Card Approval Rate
type: HowToStep
position: 5
text: Credit Card Approval Rate: Bank of America has ~50% (mixed credit profiles), while Capital One has ~70% (specializes in fair/poor credit).

Consider: Total Assets Under Management
type: HowToStep
position: 6
text: Total Assets Under Management: Bank of America has $3.4 trillion, while Capital One has $507 billion.

Consider: Investment & Wealth Management Services
type: HowToStep
position: 7
text: Investment & Wealth Management Services: Bank of America has Full suite (Merrill Edge, advisory, brokerage), while Capital One has Limited (no investment platform).

claimreview
type: ClaimReview
is accessible for free: true
conditions of access: Free
claim reviewed: Bank of America vs Capital One
review body: Bank of America is a full-service megabank with 4,300+ branches offering comprehensive banking products, while Capital One operates primarily as a digital-first bank with 500+ branches and specializes in credit cards and auto loans. BofA serves traditional banking customers seeking in-person support; Capital One targets credit-conscious consumers seeking competitive rates and digital convenience.
review rating: Rating
  rating: 5
  worst rating: 1
  best rating: 5
  alternate name: Verified Comparison
author: A Versus B
item reviewed: Bank of America vs Capital One

Total Assets
type: PropertyValue
value: Bank of America: $3,400 billion | Capital One: $507 billion
value reference: Bank of America

Investment/Brokerage Platform
type: PropertyValue
value: Bank of America: Merrill Edge + full advisory | Capital One: None

Auto Loan APR Range
type: PropertyValue
value: Bank of America: 5.24% - 9.99% | Capital One: 4.74% - 9.74%

Customer Satisfaction Score (J.D. Power 2025)
type: PropertyValue
value: Bank of America: 759 | Capital One: 768
value reference: Capital One

Travel Redemption Partners
type: PropertyValue
value: Bank of America: N/A | Capital One: 10+ airlines and partners

Savings Account APY
type: PropertyValue
value: Bank of America: N/A | Capital One: 2.5% (2026)

Earning Simplicity
type: PropertyValue
value: Bank of America: N/A | Capital One: 1 (uniform)

Hotel Partnership Value
type: PropertyValue
value: Bank of America: N/A | Capital One: Variable transfer rates

Premium Card Features
type: PropertyValue
value: Bank of America: N/A | Capital One: Basic

Base Cash Back / Points Rate
type: PropertyValue
value: Bank of America: N/A | Capital One: 2x flat

Money Market Account APY
type: PropertyValue
value: Bank of America: N/A | Capital One: 4.05%

Monthly Account Maintenance Fee
type: PropertyValue
value: Bank of America: N/A | Capital One: $0

Physical Branch Locations
type: PropertyValue
value: Bank of America: N/A | Capital One: 1,000+ partner locations

Credit Card Products Available
type: PropertyValue
value: Bank of America: N/A | Capital One: 15+

Auto Loan APR Range (Average)
type: PropertyValue
value: Bank of America: N/A | Capital One: 3.99% - 8.99%

Customer Service Rating
type: PropertyValue
value: Bank of America: N/A | Capital One: 3.2/5

Minimum Credit Score
type: PropertyValue
value: Bank of America: N/A | Capital One: 620+

Personal Loan APR Range
type: PropertyValue
value: Bank of America: N/A | Capital One: 21.99% - 35.99%

Loan Approval Time
type: PropertyValue
value: Bank of America: N/A | Capital One: 1-3 business days

Maximum Personal Loan Amount
type: PropertyValue
value: Bank of America: N/A | Capital One: $50,000

Credit Card Options
type: PropertyValue
value: Bank of America: N/A | Capital One: 20+ cards

Origination Fee
type: PropertyValue
value: Bank of America: N/A | Capital One: 0% - 1%

Customer Base
type: PropertyValue
value: Bank of America: N/A | Capital One: 20+ million

Minimum Interest Rate
type: PropertyValue
value: Bank of America: N/A | Capital One: 7.99%

Minimum Credit Score Required
type: PropertyValue
value: Bank of America: N/A | Capital One: 580

Average Origination Fee
type: PropertyValue
value: Bank of America: N/A | Capital One: 5.5%

Funding Timeline
type: PropertyValue
value: Bank of America: N/A | Capital One: 1-2

Maximum Interest Rate
type: PropertyValue
value: Bank of America: N/A | Capital One: 35.99%

Number of Financial Products
type: PropertyValue
value: Bank of America: N/A | Capital One: 3+ (loans, cards, deposits)

Annual Fee (Entry Card)
type: PropertyValue
value: Bank of America: N/A | Capital One: $0

Annual Fee (Premium Card)
type: PropertyValue
value: Bank of America: N/A | Capital One: $95

Base Cash Back/Points Rate
type: PropertyValue
value: Bank of America: N/A | Capital One: 1.5% (Quicksilver)

Bonus Rewards Category Rate
type: PropertyValue
value: Bank of America: N/A | Capital One: 5% (rotating categories)

Global Merchant Acceptance
type: PropertyValue
value: Bank of America: N/A | Capital One: 99%+ (Visa/Mastercard network)

Minimum Credit Score (Entry)
type: PropertyValue
value: Bank of America: N/A | Capital One: 650

Foreign Transaction Fees (Premium)
type: PropertyValue
value: Bank of America: N/A | Capital One: 3%

Airport Lounge Access
type: PropertyValue
value: Bank of America: N/A | Capital One: None (entry/mid-tier)

Starting APR (Personal Loans)
type: PropertyValue
value: Bank of America: N/A | Capital One: 8.99%

Maximum APR (Personal Loans)
type: PropertyValue
value: Bank of America: N/A | Capital One: 29.99%

Origination Fee Range
type: PropertyValue
value: Bank of America: N/A | Capital One: 0% - 8%

Loan Funding Time
type: PropertyValue
value: Bank of America: N/A | Capital One: 2-3 business days

Maximum Loan Amount
type: PropertyValue
value: Bank of America: N/A | Capital One: Varies by product (up to $100k+ for auto loans)

Customer Base Size
type: PropertyValue
value: Bank of America: N/A | Capital One: 195 million customers

SpeakableSpecification
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Bank of America — Wikipedia
type: CreativeWork

Capital One — Wikipedia
type: CreativeWork

Compare Bank of America vs Capital One
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target: https://www.aversusb.net/compare/bank-of-america-vs-capital-one))
object: Bank of America
object: Capital One

Monthly Account Maintenance Fee
type: PropertyValue
value reference: Fees

Physical Branch Locations
type: PropertyValue
value reference: Accessibility

Credit Card Products Available
type: PropertyValue
value reference: Product Variety

Auto Loan APR Range (Average)
type: PropertyValue
value reference: Lending Products

Customer Service Rating
type: PropertyValue
value reference: Service Quality

Minimum Credit Score
type: PropertyValue
value reference: Eligibility

Personal Loan APR Range
type: PropertyValue
value reference: Loan Terms

Loan Approval Time
type: PropertyValue
value reference: Speed

Maximum Personal Loan Amount
type: PropertyValue
value reference: Lending Terms

Credit Card Options
type: PropertyValue
value reference: Product Variety

Origination Fee
type: PropertyValue
value reference: Costs

Customer Base
type: PropertyValue
value reference: Scale

Minimum Interest Rate
type: PropertyValue
value reference: Loan Terms

Minimum Credit Score Required
type: PropertyValue
value reference: Requirements

Average Origination Fee
type: PropertyValue
value reference: Costs

Funding Timeline
type: PropertyValue
value reference: Speed

Maximum Interest Rate
type: PropertyValue
value reference: Loan Terms

Number of Financial Products
type: PropertyValue
value reference: Service Breadth

Annual Fee (Entry Card)
type: PropertyValue
value reference: Costs

Annual Fee (Premium Card)
type: PropertyValue
value reference: Costs

Base Cash Back/Points Rate
type: PropertyValue
value reference: Rewards

Bonus Rewards Category Rate
type: PropertyValue
value reference: Rewards

Global Merchant Acceptance
type: PropertyValue
value reference: Usability

Minimum Credit Score (Entry)
type: PropertyValue
value reference: Accessibility

Foreign Transaction Fees (Premium)
type: PropertyValue
value reference: Costs

Airport Lounge Access
type: PropertyValue
value reference: Benefits

Starting APR (Personal Loans)
type: PropertyValue
value reference: Cost & Rates

Maximum APR (Personal Loans)
type: PropertyValue
value reference: Cost & Rates

Origination Fee Range
type: PropertyValue
value reference: Cost & Rates

Loan Funding Time
type: PropertyValue
value reference: Speed

Maximum Loan Amount
type: PropertyValue
value reference: Loan Limits

Customer Base Size
type: PropertyValue
value reference: Scale