American Express vs. Citizens Access™
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
Citizens Access™
Citizens Access® Savings
3.35%APYDec 5, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Citizens Access™
Citizens Access® Savings
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. Citizens Access™
Why American Express?
No distinct advantages found vs Citizens Access™.
Why Citizens Access™?
- ✓Higher rated Android app (4.8 vs 3.6)
Shared Benefits
Over a 1-year period, American Express's High Yield Savings Account pays $5 more interest on a $10,000 balance than Citizens Access™'s Citizens Access® Savings.
Executive Summary
American Express offers a High Yield Savings Account with a competitive APY of 3.40%, making it the higher-yield option compared to Citizens Access™, which provides a slightly lower APY of 3.35% for its Citizens Access® Savings account. Both accounts require no minimum deposit or maintenance fees and are online-only, with daily compounding interest. Neither bank requires direct deposit for account access, providing flexibility for customers. Overall, American Express is the winner based on the higher APY.
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.
Stop Losing Interest
See who beats both American Express and Citizens Access™.
| Feature | American Express | Citizens Access™ |
|---|---|---|
| APY | 3.40% Verified: 12/6/2025 ↘︎ 0.10%90d Change | 3.35% Verified: 12/5/2025 ↘︎ 0.15%90d Change |
| Product Name | High Yield Savings Account | Citizens Access® Savings |
| Minimum Deposit | $0 | $0.01 |
| Min. Balance for APY | $0 | $0.01 |
| 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 | iOS4.8 Android4.8 |
| BBB Rating | F | A+ |
| Next Steps |
Savings Comparison
American Express earns $31.7 more than Citizens Access™.
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
Citizens Access™
Citizens Access® Savings
Savings Breakdown
- Interest Earned+$2,018.80(10.1%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,018.80
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 | Citizens Access™ |
|---|---|---|
| High Yield Savings Account | Citizens Access® Savings | |
Current APY | 3.40% | 3.35% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.2 | -3.8 |
Days Since Change | 10 | 37 |
10-Month High | 3.80% | 3.70% |
10-Month Low | 3.40% | 3.35% |
Adjustments / Mo | 0.38 | 0.19 |
Volatility Score | 0.030 | 0.037 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare American Express vs...
Comparing against Standard Savings
Compare Citizens Access™ vs...
Comparing against Standard Savings
Higher Rates (With Checking)
Looking for something different? Check out these top-rated alternatives.