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 yesterday. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
Sources: americanexpress.com High Yield Savings (checked Jul 17, 2026)
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