American Express National Bank vs Bread Savings
Head-to-head comparison of American Express High Yield Savings and Bread Savings High-Yield Savings, updated daily.
Bread Savings currently wins on APY: 4.40% vs 3.20%
| Feature | American Express National BankLive | Bread SavingsUpdated 1d ago |
|---|---|---|
| APY | 3.20% | 4.40%★ |
| Min opening deposit | $0★ | $100 |
| Min balance for APY | $0★ | $100 |
| Monthly fee | $0.00 | $0.00 |
| Insurance | FDIC | FDIC |
| Compounding | daily | daily |
| ATM access | No | No |
| Check writing | No | No |
| Mobile app | Yes★ | No |
| Editor rating | 4.0 / 5 | 4.1 / 5★ |
American Express National Bank verdict
Amex is the bank you pick when you want zero surprises. It will rarely lead the APY tables, but it will also rarely fall to the bottom — Amex tends to track the Fed Funds rate cleanly. Best for existing Amex card customers who value consolidation.
Read full American Express National Bank review →Bread Savings verdict
Bread Savings is bare-bones and proud of it. There is no mobile app, no checking, no ATM — just a savings account with a competitive APY. For savers who want to "set and forget" without temptation to spend, the lack of features is a feature.
Read full Bread Savings review →