Citibank vs Capital One
Capital One
Total Assets
$1.7 billion
Citibank
$478.5 million
Capital One
Digital Banking
4.4/5
Citibank
4.6/5
Capital One
Customer Service
4.1/5
Citibank
4.3/5
Capital One
Best Savings Rate
0.05%
Citibank
4.50%
Capital One
Detailed Comparison
Checking Account Comparison
Citibank Checking Accounts
| Account | Monthly Fee | Min Balance | Overdraft Fee |
|---|---|---|---|
| Access Checking | $10 | $1,500 | $35 |
Capital One Checking Accounts
| Account | Monthly Fee | Min Balance | Overdraft Fee |
|---|---|---|---|
| 360 Checking | $0 | $0 | $0 |
Savings Account Comparison
Citibank Savings Accounts
| Account | APY | Type | Monthly Fee |
|---|---|---|---|
| Citi Savings | 0.05% | Regular | $5 |
Capital One Savings Accounts
| Account | APY | Type | Monthly Fee |
|---|---|---|---|
| 360 Performance Savings | 4.50% | High-Yield | $0 |
APY Comparison
Annual Percentage Yield (APY) shows the effective annual yield accounting for compound interest. Higher APY means more earnings on your deposits. Rates are accurate as of 7/16/2025 and may change based on market conditions.
Credit Card Comparison
Citibank Credit Cards
| Card | Annual Fee | APR Range | Rewards |
|---|---|---|---|
| Double Cash Cash Back | No annual fee | 15.99% - 25.99% | 2% cashback $200 cash back |
Capital One Credit Cards
| Card | Annual Fee | APR Range | Rewards |
|---|---|---|---|
| Venture Rewards Rewards | $95 | 17.99% - 26.99% | N/A 75,000 miles |
Mortgage Comparison
Citibank Mortgage Products
| Mortgage Type | Interest Rate | APR | Term |
|---|---|---|---|
| 15 Year Fixed | 6.00% | 6.15% | 15 years |
Capital One Mortgage Products
| Mortgage Type | Interest Rate | APR | Term |
|---|---|---|---|
| 30 Year Fixed | 6.35% | 6.50% | 30 years |
Rate Information
Mortgage rates are subject to change based on market conditions and individual financial profiles. APR includes the interest rate plus other costs such as origination fees, discount points, and other closing costs. Contact each lender for personalized quotes based on your specific situation.
Strengths and Weaknesses
Citibank
Strengths
- Excellent digital banking experience
- Superior customer service
- Larger branch network
- More competitive fee structure
Weaknesses
- Fewer ATM locations
- Lower savings account rates
Capital One
Strengths
- High customer satisfaction rating
- Excellent digital banking experience
- Superior customer service
- More ATM locations
- Higher savings account rates
Weaknesses
- Higher fees compared to competitors
- Smaller branch network
Which Bank is Right for You?
Choosing between Citibank and Capital One depends on your specific banking needs and preferences. Here's a quick guide to help you decide:
Choose Citibank if you value:
- Lower fees and account costs
- Access to more physical branch locations
Choose Capital One if you value:
- Higher overall customer satisfaction
- Better digital banking experience
- Wider ATM network
- More responsive customer service
- Higher interest rates on savings
Customer Profile Considerations
Citibank might be better for:
- • Customers who prefer in-person banking
- • Fee-conscious customers
- • Tech-savvy customers
Capital One might be better for:
- • Savers looking for higher yields
- • Tech-savvy customers
Ready to Open an Account?
Compare specific account options from these banks
Rate Comparison Tools
Use our comparison calculators to see which bank offers better returns on your deposits or lower costs on loans.
Compare RatesRead User Reviews
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