Capital One 360 vs. CIT Platinum Savings
Two of our top-rated savings accounts go head to head on rate, minimums and convenience.
October 5, 2026 · 6 min read
Capital One 360 Performance Savings and CIT Platinum Savings are two of the most popular high-yield accounts on the market. Here is how they compare.
Rates
CIT pays a higher APY, but only on balances of $5,000 or more. Capital One pays the same rate on every dollar.
Minimums and fees
Neither charges monthly fees. Capital One has no minimum to open, while CIT requires $100.
Convenience
Capital One offers branches, cafes and a huge ATM network, plus a matching checking account. CIT is online-only.
Which should you choose?
- Choose CIT if you have $5,000 or more and want the highest yield.
- Choose Capital One if you are starting smaller or want everything in one place.