Capital One · Banks
Capital One Business Advantage Savings review
Capital One Business Advantage Savings pairs a national bank with a promotional rate of about 3.50% APY on balances of $10,000 or more, reported in 2026, but charges a $3 monthly fee and the promo rate is temporary.
Promo · About 3.50% promotional APY with a $10,000 minimum balance (reported 2026)
Who Capital One is best for
Businesses already banking with Capital One and businesses holding $10,000+ in savings.
Businesses wanting a fee-free account.
Capital One Business Advantage Savings pairs a national bank with a promotional rate of about 3.50% APY on balances of $10,000 or more, reported in 2026, but charges a $3 monthly fee and the promo rate is temporary.
Fees, features and eligibility
| Standard interest | Promotional rate of about 3.50% APY on $10,000+ (reported by NerdWallet, 2026); standard rate lower |
|---|---|
| Promotional rate | About 3.50% APY promotional rate with $10,000 minimum |
| Fees | $3 a month |
| Currencies | USD |
| Access to funds | No lock-ups |
| Deposit protection | FDIC insured up to $250,000 |
| Eligibility | US businesses |
Source: Capital One published product information.
What stands out
Pros
- Promotional rate of about 3.50% APY
- National bank with branches in some states
- FDIC insured
Cons
- $3 monthly fee
- Promotional rate is temporary and needs $10,000+
Capital One: common questions
What does Capital One Business Advantage Savings pay?
It has offered a promotional rate of about 3.50% APY on balances of $10,000 or more (reported 2026). The standard rate is lower, so check Capital One for current terms.
Used Capital One? Help other businesses choose.
Other cash management accounts to consider
Best for balances of $25,000 and up