Chase Bank vs Marcus by Goldman Sachs
Chase Bank
Largest US credit card issuer with diverse product portfolio ranging from everyday cards to premium travel rewards.
Customers who value convenience of physical branches, need multiple banking products (credit cards, mortgages, investments), and prioritize comprehensive banking relationships over savings rates.
Marcus by Goldman Sachs
Digital-only online bank specializing in high-yield savings accounts and personal loans with competitive rates and no fees.
Savers prioritizing maximum interest yields on deposits, borrowers seeking low-rate personal loans, and tech-savvy customers comfortable with entirely digital banking who don't need credit cards or physical branch access.
Short Answer
Chase is a full-service traditional bank with 4,700+ branches and comprehensive financial products, while Marcus is a digital-only savings and loan platform focused on high-yield savings accounts and personal loans with no physical locations.
Our Verdict
AI-assistedChoose Chase if you need a comprehensive banking relationship with branch access, credit cards, investment services, checking accounts with benefits, and mortgage lending all in one institution. Choose Marcus if you're focused on maximizing savings yields and obtaining competitive personal loans online without monthly fees or minimum balances, accepting the trade-off of no physical branches or credit card options.
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Choose Chase Bank if
Customers who value convenience of physical branches, need multiple banking products (credit cards, mortgages, investments), and prioritize comprehensive banking relationships over savings rates.
Choose Marcus by Goldman Sachs if
Savers prioritizing maximum interest yields on deposits, borrowers seeking low-rate personal loans, and tech-savvy customers comfortable with entirely digital banking who don't need credit cards or physical branch access.
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Key Differences at a Glance
Key Facts & Figures
| Metric | Chase Bank | Marcus by Goldman Sachs | Diff |
|---|---|---|---|
| Savings Account APY(%) | 0.01% | — | — |
| Physical Branches(locations) | 4,700+ | 0 | — |
| Monthly Maintenance Fee(USD) | $0-$12 (varies) | — | — |
| Overdraft Fee(USD) | $34 per occurrence | — | — |
| Minimum Balance Required(USD) | $0-$100 (varies by product) | — | — |
| Surcharge-Free ATM Network(count) | 55,000+ | — | — |
| Mobile App Rating(stars) | 4.5 stars (2.1M reviews) | — | — |
| Interest on $10,000 Savings (Annual)(USD) | $1 (at 0.01% APY) | — | — |
| Physical Branch Locations(count) | 4,700+ | — | — |
| High-Yield Savings APY(%) | 0.01% | 4.50% | -100% |
| Personal Loan APR (Best Rate)(%) | 6.99% | 6.99% | — |
| Personal Loan APR (Worst Rate)(%) | 24.99% | 13.99% | +79% |
| ATM Network Access(ATMs) | 15,000+ | Allpoint network (500,000+ worldwide) | -97% |
| Credit Card Products(card options) | 60+ | 0 | — |
| Monthly Account Maintenance Fee(USD) | $0 - $25 | $0 | — |
| Physical US Branches(branches) | 4,700+ | — | — |
| International Countries Served(countries) | 60+ | — | — |
| Customer Satisfaction Rating(%) | 80% (J.D. Power 2024) | — | — |
| Total Assets Under Management(trillion USD) | $3.8 trillion | $95 billion | -96% |
| Basic Checking Account Monthly Fee(USD) | $12/month (waivable) | — | — |
| US Mortgage Market Share(%) | 10.2% (largest) | — | — |
| US Credit Card Market Share(%) | 26% | — | — |
| Global Cardholder Base(millions) | 156 million | — | — |
| Maximum Rewards Rate (Best Cards)(points per $1) | 5x points | — | — |
| Merchant Acceptance (US)(%) | 99% | — | — |
| Foreign Transaction Fees (Average)(%) | 0-3% | — | — |
| Fraud Rate(%) | 0.15% | — | — |
| Travel Credit Value (Premium Cards)(USD) | $750 annually | — | — |
All figures sourced from publicly available data. Last updated Jun 2026.
Key Differences
Chase Bank
Full-service retail and commercial bank with branches
Marcus by Goldman Sachs
Digital-only online bank
Chase Bank
0.01% APY on basic savings
Marcus by Goldman Sachs
4.50% APY on savings accounts🏆
Chase Bank
4,700+ locations nationwide🏆
Marcus by Goldman Sachs
0 physical branches
Chase Bank
$0 for many accounts
Marcus by Goldman Sachs
$0 for savings; $500 minimum for some loans
Chase Bank
6.99% - 24.99%
Marcus by Goldman Sachs
6.99% - 13.99%🏆
Chase Bank
60+ credit card products🏆
Marcus by Goldman Sachs
No credit cards offered
Chase Bank
$0 - $25 depending on account type
Marcus by Goldman Sachs
$0 (no monthly fees)🏆
Full Comparison
| Attribute |  Chase Bank |  Marcus by Goldman Sachs |
|---|---|---|
| Savings Account APY(%) | 0.01% | — |
| Physical Branches(locations) | 4,700+ | 0 |
| Surcharge-Free ATM Network(count) | 55,000+ | — |
| Physical Branch Locations(count) | 4,700+ | — |
| ATM Network Access(ATMs) | 15,000+ | Allpoint network (500,000+ worldwide) |
| Monthly Maintenance Fee(USD) | $0-$12 (varies) | — |
| Overdraft Fee(USD) | $34 per occurrence | — |
| Monthly Account Maintenance Fee(USD) | $0 - $25 | $0 |
| Monthly Maintenance Fee($) | $0 | — |
| Minimum Balance Required(USD) | $0-$100 (varies by product) | — |
| Minimum Initial Deposit($) | $0 | — |
| Mobile App Rating(stars) | 4.5 stars (2.1M reviews) | — |
| Interest on $10,000 Savings (Annual)(USD) | $1 (at 0.01% APY) | — |
| High-Yield Savings APY(%) | 0.01% | 4.50% |
| Personal Loan APR (Best Rate)(%) | 6.99% | 6.99% |
| Personal Loan APR (Worst Rate)(%) | 24.99% | 13.99% |
| Credit Card Products(card options) | 60+ | 0 |
| Physical US Branches(branches) | 4,700+ | — |
| International Countries Served(countries) | 60+ | — |
| Customer Satisfaction Rating(%) | 80% (J.D. Power 2024) | — |
| Total Assets Under Management(trillion USD) | $3.8 trillion | $95 billion |
| Basic Checking Account Monthly Fee(USD) | $12/month (waivable) | — |
| International Wire Transfer Fee Range(USD) | $15-45 per transfer | — |
| US Mortgage Market Share(%) | 10.2% (largest) | — |
| Mobile App Availability(platforms) | iOS, Android, web—24/7 support | — |
| US Credit Card Market Share(%) | 26% | — |
| Global Cardholder Base(millions) | 156 million | — |
| Maximum Rewards Rate (Best Cards)(points per $1) | 5x points | — |
| Merchant Acceptance (US)(%) | 99% | — |
| Premium Card Annual Fee Range(USD) | $95-$695 | — |
| Foreign Transaction Fees (Average)(%) | 0-3% | — |
| Fraud Rate(%) | 0.15% | — |
| Travel Credit Value (Premium Cards)(USD) | $750 annually | — |
| High-Yield Savings APY(%) | 4.35% | — |
| Certificate of Deposit (CD) APY(%) | 4.75% (1-year average) | — |
| Total Assets Under Management(B) | Part of Goldman Sachs ($1,100B+) | — |
| Mobile App Rating(quality level) | 4.8/5 | — |
| Banking Service Breadth | Savings accounts, CDs, personal loans | — |
| Customer Satisfaction Rate(%) | 95% (estimated from app ratings) | — |
Chase BankMarcus by Goldman SachsVisual Comparison
Side-by-side comparison of numeric attributes
Pros & Cons
Chase Bank
Pros
- 4,700+ physical branches and 15,000+ ATMs for in-person banking
- 60+ credit card options with premium rewards programs (Sapphire Reserve offers 3x points on travel/dining)
- Comprehensive mortgage lending with $1.2 trillion in mortgage portfolios
- Integrated wealth management through J.P. Morgan Private Client Services
- Checking account rewards (Chase Premier Plus earns up to 1.35% APY on qualifying balances)
Cons
- Savings accounts earn only 0.01% APY, significantly below market rates
- High monthly fees on premium accounts ($35 for Premier Plus checking)
- Personal loan APRs reach up to 24.99%, higher than online competitors
Marcus by Goldman Sachs
Pros
- 4.50% APY on high-yield savings accounts (450x higher than Chase savings)
- Personal loan APRs as low as 6.99%, among the most competitive in the market
- Zero monthly maintenance fees on all accounts and no minimum balance requirements
- Mobile-first platform with 24/7 customer service via chat and phone
- FDIC insurance up to $250,000 on all deposit accounts
Cons
- No physical branches—completely digital, requiring comfort with online-only banking
- No credit card offerings, requiring customers to bank elsewhere for credit products
- Limited product suite compared to full-service banks (no checking accounts, mortgages, or investment services)
Frequently Asked Questions
No, Marcus does not offer checking accounts. Marcus specializes exclusively in high-yield savings accounts and personal loans. If you need a checking account, you would need to bank with Chase or another institution.
Resources & Learn More
Dive deeper with these curated resources
Wikipedia
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