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Account review

American Express High Yield Savings review

Best for: Amex cardholders who want savings in the same app.

American Express National Bank pays 3.00% with no minimums and no fees — a natural fit if you already live in the Amex app, since your savings sits alongside your cards.

How we make money (or don't): BidAsk currently has no affiliate relationships with these banks and earns no commission if you open an account — the links below go directly to each provider's own site. See our full disclosure.
Rates verified September 17, 2026. APYs are variable unless noted and change without notice — confirm the current rate on the provider's site before opening an account.
APY
3.00%
Minimum to open
$0
Minimum to earn APY
$0
Monthly fee
$0
FDIC insured
Yes

Rate note: Amex terms state "APY accurate as of 9/17/2026".

Standout features

  • Same-app convenience for existing Amex cardholders.
  • No minimum balance, no monthly fees.
  • FDIC-insured through American Express National Bank.

Honest drawbacks

  • No checking account, ATM card, or branch access — savings only.
  • 3.00% trails higher-yield picks in this table.
  • Linking external accounts for transfers takes a few extra steps.
Open an account at American Express →

Link goes directly to American Express's own site. Rates verified September 2026. Banks change APYs without notice — confirm the current rate on the provider's site before opening an account.

Sources

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