American Express National Bank pays 3.00% APY on its High Yield Savings account, with no minimum balance and no monthly fee. The rate is variable and applies to all balance tiers.
Eligibility
Available nationwide
No state restrictions on this offer.
No hard credit pull
Opening this account does not post a hard inquiry.
How to get the American Express High Yield Savings rate
- Open an American Express High Yield Savings account (no minimum to open).
- Move money in; there is no fee and no minimum balance.
- Interest compounds daily and is credited monthly.
The fine print that matters
- The APY is variable and can change before or after you open the account.
- The rate applies to all balance tiers.
Verification and reports
Confirmed against americanexpress.com on Jul 17, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
Report your result
Reviewed by a human before it publishes. We do not ask for your name or contact, and a published report never carries one.
Spot something new or wrong? Send a tip. Corrections ship and are credited in the changelog.
Sources: americanexpress.com High Yield Savings (checked Jul 17, 2026)
Other American Express offers, so you can compare
American Express Gold Cardup to 100,000 pointspoints bonus
$8,000 in purchases, 6 months
American Express SkyMiles Reserve Business80,000 bonus milesmiles bonus
$10,000 in purchases in first 6 months
American Express Surpass Card130,000 pointspoints bonus
$3,000 in purchases in first 6 months
American Express Delta SkyMiles Reserve100,000 milesmiles bonus
$5,000 in purchases in first 6 mo
Guides that cover this