American Express vs. BrioDirect
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | American ExpressHigh Yield Savings Account Jan 21, 2026 | BrioDirectHigh-Yield Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 3.30% | 3.75% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$188 $10,000+$375 $25,000+$938 |
Min Deposit | $0 | $5,000 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppZelle® Supported | FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppZelle® Supported |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.
Comparison Analysis
Comparing American Express vs. BrioDirect
As of American Express offers an APY of 3.30% for its High Yield Savings Account, with a minimum balance of $0, compared to BrioDirect's 3.75% APY for its High-Yield Savings Account, with a minimum balance of $25.
BrioDirect pays $45 more than American Express on a $10,000 balance after one year. American Express pays $330, while BrioDirect pays $375 - an APY advantage for BrioDirect.
Why American Express?
No distinct advantages found vs BrioDirect.
Why BrioDirect?
- ✓Higher potential APY (3.75% vs 3.30%)
- ✓Higher rated Android app (4.4 vs 3.6)
— Key Feature Differences —
Better Returns at $10,000
BrioDirectBrioDirect's High-Yield Savings Account earns more on smaller deposits (approx. $375 vs $330/yr).
Better Returns at $25,000
BrioDirectBrioDirect's High-Yield Savings Account pulls ahead with larger amounts (approx. $938 vs $825/yr).
Best for Simplicity
BrioDirectBrioDirect's High-Yield Savings Account offers 3.75% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, BrioDirect's High-Yield Savings Account pays $45 more interest on a $10,000 balance than American Express's High Yield Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
BrioDirect offers a High-Yield Savings Account with a competitive APY of 3.75%, making it the winner in this comparison. This account requires a minimum deposit of $5,000 and a minimum balance of $25, but it has no maintenance fees and does not require direct deposit. In contrast, American Express provides a High Yield Savings Account with a lower APY of 3.30%, also with no minimum deposit or balance requirements and no maintenance fees. Both accounts are online-only and compound interest daily, but BrioDirect stands out for its higher returns.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
American Express vs. BrioDirect Savings Calculator
You earn $45 more with BrioDirect than American Express on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
American Express
High Yield Savings Account
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
BrioDirect
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$375.00(3.6%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,375.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | American Express | BrioDirect |
|---|---|---|
| APY | 3.30% Verified: 1/21/2026 ↘︎ 0.20%90d Change | 3.75% Verified: 1/21/2026 ↘︎ 0.45%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 Android4.4 |
| Zelle® Support | Available Requires Amex Rewards Checking; not available for standalone HYSA. | Available Accessed via the Webster Bank mobile app. |
| BBB Rating | F | B- |
| Next Steps | Visit SiteVerify at American Express Non-sponsored link to official site | Visit SiteVerify at BrioDirect Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | American Express | BrioDirect |
|---|---|---|
| High Yield Savings Account | High-Yield Savings Account | |
Current APY | 3.30% | 3.75% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.6 | -6.5 |
Days Since Change | 22 | 40 |
12-Month High | 3.80% | 4.55% |
12-Month Low | 3.30% | 3.75% |
Adjustments / Mo | 0.41 | 0.58 |
Volatility Score | 0.038 | 0.060 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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