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Capital One 360
What ChatGPT, Claude, Gemini & Grok actually say · July 2026
The verdict
Capital One 360 appears in 1 AI-ranked category.
GPT —Claude —Gemini #5
Combines a stable 3.00% APY with fee-free accounts, no minimums, and access to physical Capital One Cafés and branches.
What would move Capital One 360 up
- Gemini Increase the APY to narrow the gap with digital-only competitor rates.
Top alternatives per the models: Marcus by Goldman Sachs · SoFi · Newtek Bank · Openbank
Rankings are computed from what the models answer, re-polled continuously · raw reasoning shown verbatim · methodology