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American Express vs Capital One 360 checking

American Express and Capital One 360 checking side by side: fees, minimums, interest, ATMs and overdraft.

APY

American Express: 1.00% APY, no minimum balance to earn
Capital One 360: 0.10% APY on all balance tiers

Monthly fee

American Express: $0
Capital One 360: $0

Min to open

American Express: $0
Capital One 360: $0

Min balance

American Express: $0
Capital One 360: $0

ATMs

American Express: No fee at Allpoint and MoneyPass ATMs in the U.S.
Capital One 360: 70,000+ fee-free Capital One, MoneyPass and Allpoint ATMs; out-of-network owners may charge

Overdraft

American Express: not found
Capital One 360: No overdraft fees (no-fee overdraft option)

Sources: American Express, Capital One 360 (2026-10-12).

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FAQ

Which pays more interest on checking, American Express or Capital One 360?

American Express has the higher stated top-tier APY as of 2026-10-12.

Where do these rates come from?

Each rate is read from the bank's own public page on the date shown and linked. Rates change often: confirm on the bank's site before opening. Not financial advice.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.