Bank of America vs Capital One
type: Article
description: Bank of America is a traditional full-service bank with 4,300+ branches and comprehensive banking products, while Capital One is primarily a credit card and online banking specialist with lower fees and higher savings rates but limited branch access. BofA serves customers seeking in-person banking; Capital One appeals to those prioritizing competitive rates and digital-first banking.
language: en-US
date published: 2026-07-09T07:43:53.184Z
date created: 2026-07-09T07:43:53.184Z
date modified: 2026-07-09T07:43:53.218Z
content reference time: 2026-07-09T07:43:53.218Z
author: A Versus B
publisher: A Versus B
about: Bank of America
about: Capital One
abstract: Bank of America is a traditional full-service bank with 4,300+ branches and comprehensive banking products, while Capital One is primarily a credit card and online banking specialist with lower fees and higher savings rates but limited branch access. BofA serves customers seeking in-person banking; Capital One appeals to those prioritizing competitive rates and digital-first banking.
text: Physical Branch Network. Savings Account APY (2026). Monthly Maintenance Fees. Primary Business Focus. Credit Card Rewards (Best Offer). Minimum Opening Deposit. Mobile App Rating (2026)
conclusion text: Choose Bank of America if you value comprehensive financial services, extensive branch access for in-person transactions, and integrated wealth management tools. Choose Capital One if you prioritize competitive interest rates, zero monthly fees, and a streamlined digital-first banking experience focused on credit cards and savings accounts.
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: $0
  value reference: Capital One
additional property: Overdraft Fee
  type: PropertyValue
  value: Bank of America: $35 per transaction | Capital One: $0 (with SafePass)
  value reference: Capital One
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: Total Assets Under Management
  type: PropertyValue
  value: Bank of America: $2,950 billion | Capital One: N/A
additional property: Stock Trading Commission
  type: PropertyValue
  value: Bank of America: $0 | Capital One: N/A
additional property: Mutual Fund Selection
  type: PropertyValue
  value: Bank of America: 5,000+ | 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: 4.3/5.0
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: $2.9 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: 0
  value reference: Bank of America
additional property: ATM Network Access
  type: PropertyValue
  value: Bank of America: 15,000+ | Capital One: 30,000+ (surcharge-free network)
  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: Total Assets
  type: PropertyValue
  value: Bank of America: $3.45 trillion | Capital One: $507 billion
  value reference: Capital One
additional property: U.S. Branch Count
  type: PropertyValue
  value: Bank of America: 4,200 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: Average Monthly Checking Account Fee
  type: PropertyValue
  value: Bank of America: $17.50 average | Capital One: N/A
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/bank-of-america-vs-capital-one))
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
related link: https://www.aversusb.net/compare/bank-of-america-vs-wells-fargo
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: Full-service retail and commercial bank with extensive branch network and integrated investment 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: Major US credit card issuer focused on accessibility and rebuilding credit with diverse product offerings.
image: ImageObject
  caption: Capital One
subject of: Bank of America vs Capital One
image: ImageObject
  caption: 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 118 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: Digital Banking
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: Fees
variable measured: Overdraft Fee
  type: PropertyValue
  value reference: Fees
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: Total Assets Under Management
  type: PropertyValue
  value reference: Scale
variable measured: Stock Trading Commission
  type: PropertyValue
  value reference: Investing Costs
variable measured: Mutual Fund Selection
  type: PropertyValue
  value reference: Investment Options
variable measured: Physical Locations
  type: PropertyValue
  value reference: Accessibility
variable measured: Mobile App Rating
  type: PropertyValue
  value reference: Digital Experience
variable measured: Account Minimum Requirement
  type: PropertyValue
  value reference: Account Requirements
variable measured: Assets Under Management
  type: PropertyValue
  value reference: Scale & Strength
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: Reputation
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
variable measured: Savings Account APY
  type: PropertyValue
  value reference: Deposit 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: Digital Tools
variable measured: Minimum Deposit to Open Account
  type: PropertyValue
  value reference: Account Requirements
variable measured: Total Assets
  type: PropertyValue
  value reference: Financial Scale
variable measured: U.S. Branch Count
  type: PropertyValue
  value reference: Physical Presence
variable measured: ATM Network Size
  type: PropertyValue
  value reference: Accessibility
variable measured: Average Monthly Checking Account Fee
  type: PropertyValue
  value reference: Pricing
variable measured: Customer Satisfaction Score
  type: PropertyValue
  value reference: Customer Experience
variable measured: Mobile Banking App Rating (iOS)
  type: PropertyValue
  value reference: Digital Experience
variable measured: Mortgage Market Share
  type: PropertyValue
  value reference: Market Position
variable measured: Credit Rating (S&P Global)
  type: PropertyValue
  value reference: Financial Strength
variable measured: Checking Account Monthly Fee
  type: PropertyValue
  value reference: Banking Costs
variable measured: High-Yield Savings APY
  type: PropertyValue
  value reference: Interest Rates
variable measured: Credit Card Approval Rate
  type: PropertyValue
  value reference: Credit Products
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: High-Yield Savings Account APY
  type: PropertyValue
  value reference: Deposit Products
variable measured: Monthly Maintenance Fee
variable measured: Overdraft Fee per Occurrence
variable measured: Physical Branch Locations
variable measured: Surcharge-Free ATM Network
variable measured: Customer Satisfaction Score (JD Power 2024)
variable measured: Auto Loan APR (Average)
variable measured: Minimum for Premium Checking/Advisory
variable measured: Savings Account APY Range
variable measured: Robo-Advisor Minimum
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: Digital Banking
has defined term: Account Requirements
has defined term: Service Quality
has defined term: Financial Strength
has defined term: Accessibility
has defined term: Profitability
has defined term: Investment Services
has defined term: Fees
has defined term: Lending
has defined term: Savings Rates
has defined term: Scale
has defined term: Investing Costs
has defined term: Investment Options
has defined term: Digital Experience
has defined term: Scale & Strength
has defined term: Financial Scale
has defined term: Reputation
has defined term: Regulatory Standing
has defined term: Interest Rates
has defined term: Deposit Rates
has defined term: Fees & Costs
has defined term: Digital Tools
has defined term: Pricing
has defined term: Customer Experience
has defined term: Market Position
has defined term: Banking Costs
has defined term: Services
has defined term: Deposit Products
has defined term: Distribution
has defined term: Lending Products
has defined term: Deposit Returns
has defined term: Advisory Services
has defined term: Flexibility
has defined term: Savings
has defined term: Usability
has defined term: Travel
has defined term: Premium
has defined term: Savings Products
has defined term: Product Variety
has defined term: Credit Requirements
has defined term: Speed
has defined term: Lending Terms
has defined term: Interest & Fees
has defined term: Loan Terms
has defined term: Eligibility
has defined term: Costs
has defined term: Service Breadth
has defined term: Benefits
has defined term: Cost & Rates
has defined term: Loan Limits
has defined term: Approval
has defined term: Product Portfolio
has defined term: Customer Service
has defined term: Acceptance

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

Digital Banking
type: DefinedTerm
term code: digital-banking
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

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

Fees
type: DefinedTerm
term code: fees
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

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

Investing Costs
type: DefinedTerm
term code: investing-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

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

Scale & Strength
type: DefinedTerm
term code: scale-&-strength
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

Reputation
type: DefinedTerm
term code: reputation
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

Deposit Rates
type: DefinedTerm
term code: deposit-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

Digital Tools
type: DefinedTerm
term code: digital-tools
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

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

Market Position
type: DefinedTerm
term code: market-position
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Banking Costs
type: DefinedTerm
term code: banking-costs
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

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

Distribution
type: DefinedTerm
term code: distribution
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

Deposit Returns
type: DefinedTerm
term code: deposit-returns
in defined term set: Bank of America vs Capital One — Attribute Category Vocabulary

Advisory Services
type: DefinedTerm
term code: advisory-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

Savings Products
type: DefinedTerm
term code: savings-products
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

Credit Requirements
type: DefinedTerm
term code: credit-requirements
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

Interest & Fees
type: DefinedTerm
term code: interest-&-fees
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

Eligibility
type: DefinedTerm
term code: eligibility
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

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

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

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

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

Acceptance
type: DefinedTerm
term code: acceptance
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: 2026-07-09T07:43:53.218Z
author: A Versus B
publisher: A Versus B
is part of: bank-of-america-vs-capital-one)))
main entity: Which bank has better savings rates?
  type: Question
  accepted answer: Answer
    text: Capital One significantly outperforms with 4.20%-4.35% APY versus Bank of America's 0.01%-0.04% APY. On a $10,000 deposit, Capital One customers earn ~$428 annually while BofA customers earn $2.50—a difference of $425.50 per year.
    language: en-US
main entity: Can I access my money in person at Bank of America or Capital One?
  type: Question
  accepted answer: Answer
    text: Bank of America has 4,300+ branches for in-person deposits and withdrawals. Capital One operates online-only with no branches, but provides surcharge-free access to 30,000+ ATMs nationally and accepts deposits via mobile app or mail.
    language: en-US
main entity: Which bank is better for credit cards?
  type: Question
  accepted answer: Answer
    text: Capital One's Quicksilver One card offers 5% cash back on rotating categories versus Bank of America's BankAmericard at 2% flat-rate. However, Capital One cards may carry annual fees ($39-$95), while BofA's top cards typically waive fees for premium customers.
    language: en-US
main entity: Does Bank of America or Capital One charge monthly fees?
  type: Question
  accepted answer: Answer
    text: Bank of America charges $12-$25 monthly maintenance fees on most checking accounts (waived with $1,500+ balance or direct deposits). Capital One charges $0 monthly fees on all accounts regardless of balance.
    language: en-US
main entity: Which is safer: Bank of America or Capital One?
  type: Question
  accepted answer: Answer
    text: Both are equally safe. Both are FDIC-insured institutions protecting deposits up to $250,000 per account. Bank of America is larger (ranked #1 by assets), while Capital One is the 8th-largest U.S. bank. Both carry top credit ratings from S&P, Moody's, and Fitch.
    language: en-US

How to Choose Between Bank of America and Capital One
type: HowTo
description: Bank of America is a traditional full-service bank with 4,300+ branches and comprehensive banking products, while Capital One is primarily a credit card and online banking specialist with lower fees and higher savings rates but limited branch access. BofA serves customers seeking in-person banking; Capital One appeals to those prioritizing competitive rates and digital-first banking.
language: en-US
total time: PT3M
step: Consider: Physical Branch Network
step: Consider: Savings Account APY (2026)
step: Consider: Monthly Maintenance Fees
step: Consider: Primary Business Focus
step: Consider: Credit Card Rewards (Best Offer)
step: Consider: Minimum Opening Deposit
step: Consider: Mobile App Rating (2026)
tool: A Versus B Comparison Guide
tip: HowToTip
  text: Choose Bank of America if you value comprehensive financial services, extensive branch access for in-person transactions, and integrated wealth management tools. Choose Capital One if you prioritize competitive interest rates, zero monthly fees, and a streamlined digital-first banking experience focused on credit cards and savings accounts.

Consider: Physical Branch Network
type: HowToStep
position: 1
text: Physical Branch Network: Bank of America has 4,300+ branches nationwide, while Capital One has No physical branches (online-only).

Consider: Savings Account APY (2026)
type: HowToStep
position: 2
text: Savings Account APY (2026): Bank of America has 0.01% - 0.04%, while Capital One has 4.20% - 4.35%.

Consider: Monthly Maintenance Fees
type: HowToStep
position: 3
text: Monthly Maintenance Fees: Bank of America has $12 (Advantage Checking average), while Capital One has $0 (all checking/savings accounts).

Consider: Primary Business Focus
type: HowToStep
position: 4
text: Primary Business Focus: Bank of America has Full-service banking (checking, savings, loans, wealth management, investment banking), while Capital One has Credit cards, savings accounts, and auto loans.

Consider: Credit Card Rewards (Best Offer)
type: HowToStep
position: 5
text: Credit Card Rewards (Best Offer): Bank of America has 2% flat-rate (BankAmericard), while Capital One has 5% rotating categories (Quicksilver One).

Consider: Minimum Opening Deposit
type: HowToStep
position: 6
text: Minimum Opening Deposit: Bank of America has $0 - $100 (varies by account), while Capital One has $0.

Consider: Mobile App Rating (2026)
type: HowToStep
position: 7
text: Mobile App Rating (2026): Bank of America has 4.1/5 stars (800K+ reviews), while Capital One has 4.3/5 stars (500K+ reviews).

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 traditional full-service bank with 4,300+ branches and comprehensive banking products, while Capital One is primarily a credit card and online banking specialist with lower fees and higher savings rates but limited branch access. BofA serves customers seeking in-person banking; Capital One appeals to those prioritizing competitive rates and digital-first banking.
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

Customer Satisfaction Score
type: PropertyValue
value: Bank of America: 68/100 | Capital One: N/A

Mobile Banking App Rating (iOS)
type: PropertyValue
value: Bank of America: 4.1/5 stars | Capital One: N/A

Mortgage Market Share
type: PropertyValue
value: Bank of America: 6.8% | Capital One: N/A

Credit Rating (S&P Global)
type: PropertyValue
value: Bank of America: AA- | Capital One: N/A

Checking Account Monthly Fee
type: PropertyValue
value: Bank of America: $12 (waivable) | Capital One: $0
value reference: Capital One

High-Yield Savings APY
type: PropertyValue
value: Bank of America: 0.01% | Capital One: 4.60%
value reference: Capital One

Credit Card Approval Rate
type: PropertyValue
value: Bank of America: ~50% | Capital One: ~70%
value reference: Capital One

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

High-Yield Savings Account APY
type: PropertyValue
value: Bank of America: 0.01% | Capital One: N/A

Monthly Maintenance Fee
type: PropertyValue
value: Bank of America: $12 (waivable) | Capital One: N/A

Overdraft Fee per Occurrence
type: PropertyValue
value: Bank of America: $35 | Capital One: N/A

Physical Branch Locations
type: PropertyValue
value: Bank of America: 4,300+ | Capital One: 1,000+ partner locations
value reference: Bank of America

Surcharge-Free ATM Network
type: PropertyValue
value: Bank of America: 64,000+ | Capital One: N/A

Customer Satisfaction Score (JD Power 2024)
type: PropertyValue
value: Bank of America: 751 | Capital One: N/A

Auto Loan APR (Average)
type: PropertyValue
value: Bank of America: 5.89% | Capital One: N/A

Minimum for Premium Checking/Advisory
type: PropertyValue
value: Bank of America: $100,000 | Capital One: N/A

Savings Account APY Range
type: PropertyValue
value: Bank of America: 0.01%-0.04% | Capital One: N/A

Robo-Advisor Minimum
type: PropertyValue
value: Bank of America: $25,000 | Capital One: N/A

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

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

Savings Account APY (2026)
type: PropertyValue
value: Bank of America: N/A | Capital One: 4.20% - 4.35%

Credit Card Rewards (Best)
type: PropertyValue
value: Bank of America: N/A | Capital One: 5% rotating

Total Assets (2026)
type: PropertyValue
value: Bank of America: N/A | Capital One: $475+

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

Premium Card Annual Fee (Flagship)
type: PropertyValue
value: Bank of America: N/A | Capital One: $495 (Venture X equivalent)

Average Rewards Rate on Flat Cash Card
type: PropertyValue
value: Bank of America: N/A | Capital One: 1.5%

Top-Tier Card Rewards Rate (Select Category)
type: PropertyValue
value: Bank of America: N/A | Capital One: 5% (rotating)

Minimum Credit Score for Prime Cards
type: PropertyValue
value: Bank of America: N/A | Capital One: 670+

Total Credit Card Products
type: PropertyValue
value: Bank of America: N/A | Capital One: 65+

Customer Satisfaction Score (J.D. Power 2024)
type: PropertyValue
value: Bank of America: N/A | Capital One: 82/100

US Merchant Acceptance Rate
type: PropertyValue
value: Bank of America: N/A | Capital One: 95%

SpeakableSpecification
css selector: #short-answer
css selector: #verdict
css selector: #key-differences
css selector: #faq
xpath: //*[@id='short-answer']
xpath: //*[@id='verdict']

Bank of America — Wikipedia
type: CreativeWork

Capital One — Wikipedia
type: CreativeWork

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

Monthly Maintenance Fee
type: PropertyValue
value reference: Fees

Overdraft Fee per Occurrence
type: PropertyValue
value reference: Fees

Physical Branch Locations
type: PropertyValue
value reference: Distribution

Surcharge-Free ATM Network
type: PropertyValue
value reference: Accessibility

Customer Satisfaction Score (JD Power 2024)
type: PropertyValue
value reference: Customer Experience

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

Minimum for Premium Checking/Advisory
type: PropertyValue
value reference: Account Requirements

Savings Account APY Range
type: PropertyValue
value reference: Deposit Returns

Robo-Advisor Minimum
type: PropertyValue
value reference: Advisory Services

Travel Redemption Partners
type: PropertyValue
value reference: Flexibility

Savings Account APY
type: PropertyValue
value reference: Savings

Earning Simplicity
type: PropertyValue
value reference: Usability

Hotel Partnership Value
type: PropertyValue
value reference: Travel

Premium Card Features
type: PropertyValue
value reference: Premium

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

Money Market Account APY
type: PropertyValue
value reference: Savings Products

Monthly Account Maintenance Fee
type: PropertyValue
value reference: Fees

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: Credit Requirements

Personal Loan APR Range
type: PropertyValue
value reference: Lending Products

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: Interest & Fees

Customer Base
type: PropertyValue
value reference: Scale

Minimum Interest Rate
type: PropertyValue
value reference: Loan Terms

Minimum Credit Score Required
type: PropertyValue
value reference: Eligibility

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

Savings Account APY (2026)
type: PropertyValue
value reference: Interest Rates

Credit Card Rewards (Best)
type: PropertyValue
value reference: Credit Products

Total Assets (2026)
type: PropertyValue
value reference: Scale

Lowest Annual Fee Card
type: PropertyValue
value reference: Pricing

Premium Card Annual Fee (Flagship)
type: PropertyValue
value reference: Pricing

Average Rewards Rate on Flat Cash Card
type: PropertyValue
value reference: Rewards

Top-Tier Card Rewards Rate (Select Category)
type: PropertyValue
value reference: Rewards

Minimum Credit Score for Prime Cards
type: PropertyValue
value reference: Approval

Total Credit Card Products
type: PropertyValue
value reference: Product Portfolio

Customer Satisfaction Score (J.D. Power 2024)
type: PropertyValue
value reference: Customer Service

US Merchant Acceptance Rate
type: PropertyValue
value reference: Acceptance