American Express vs. BrioDirect
Compare rates, requirements, and features side-by-side to find the best option for you.
American Express
High Yield Savings Account
3.40%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppShow Fine Print & Trends Hide Details
American Express
High Yield Savings Account
BrioDirect
High-Yield Savings Account
4.00%APYDec 6, 2025FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
BrioDirect
High-Yield Savings Account
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.
Comparison Analysis
Comparing American Express vs. BrioDirect
Why American Express?
No distinct advantages found vs BrioDirect.
Why BrioDirect?
- ✓Higher potential APY (4.00% vs 3.40%) on all balances
- ✓Higher rated Android app (4.3 vs 3.6)
— Key Feature Differences —
Better Returns at $10,000
BrioDirectBrioDirect's High-Yield Savings Account earns more on smaller deposits (approx. $400 vs $340/yr).
Better Returns at $25,000
BrioDirectBrioDirect's High-Yield Savings Account pulls ahead with larger amounts (approx. $1000 vs $850/yr).
Best for Simplicity
BrioDirectBrioDirect's High-Yield Savings Account offers 4.00% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
American ExpressAmerican Express offers an iOS app rated 4.9 (vs. 4.7) and Android app rated 3.6 (vs. 4.3)
Shared Benefits
Over a 1-year period, BrioDirect's High-Yield Savings Account pays $60 more interest on a $10,000 balance than American Express's High Yield Savings Account.
Executive Summary
BrioDirect offers a High-Yield Savings Account with a competitive APY of 4.00%, making it the winner in this comparison. This account requires a minimum deposit of $5,000 and a minimum balance of $25, but has no maintenance fees and does not require direct deposit. In contrast, American Express provides a High Yield Savings Account with an APY of 3.40%, which also has no minimum deposit or balance requirements. Both accounts are online-only and offer daily compounding. While BrioDirect stands out for its higher yield, American Express is noted for its superior mobile app experience.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Top Market Contenders
See who beats both American Express and BrioDirect.
| Feature | American Express | BrioDirect |
|---|---|---|
| APY | 3.40% Verified: 12/6/2025 ↘︎ 0.10%90d Change | 4.00% Verified: 12/6/2025 ↘︎ 0.30%90d Change |
| Product Name | High Yield Savings Account | High-Yield Savings Account |
| Minimum Deposit | $0 | $5,000 |
| Min. Balance for APY | $0 | $25 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android3.6 | iOS4.7 Android4.3 |
| BBB Rating | F | B- |
| Next Steps |
Savings Comparison
BrioDirect earns $384.2 more than American Express.
American Express
High Yield Savings Account
Savings Breakdown
- Interest Earned+$2,050.50(10.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,050.50
BrioDirect
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,434.70(11.9%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,434.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | American Express | BrioDirect |
|---|---|---|
| High Yield Savings Account | High-Yield Savings Account | |
Current APY | 3.40% | 4.00% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.2 | -5.0 |
Days Since Change | 10 | 36 |
10-Month High | 3.80% | 4.55% |
10-Month Low | 3.40% | 4.00% |
Adjustments / Mo | 0.38 | 0.57 |
Volatility Score | 0.030 | 0.040 |
How to read these metrics(Click to expand)
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