American Express vs. Fitness Bank
Comparing American Express and Fitness Bank for high-yield savings: American Express's High Yield Savings Account pays 3.30% APY while Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays 4.50% APY.
Note: Fitness Bank requires a checking account.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Fitness Bank pays $120 more than American Express annually ($450 vs $330).
Choose American Express if you want a no-strings-attached account, mobile app quality matters, or you want Zelle for quick transfers. Choose Fitness Bank if getting the best rate matters most, or BBB rating matters to you.
Important Considerations
Fitness Bank requires a checking account to unlock its top savings rate, while American Express offers its savings account standalone.
| Metric | American ExpressHigh Yield Savings Account Feb 6, 2026 | Fitness BankFitness Elite Checking & Fitness Savings Combo Feb 6, 2026 |
|---|---|---|
| APY | 3.30% | 4.50% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$225 $10,000+$450 $25,000+$1,125 |
Min Deposit | $0 | $100 |
Snapshot view. Rates subject to change. | ||
Terms | - | This is a tiered account. To earn the highest tier you must make 15 debit card transactions per Account Period, maintain $5,000 avg. minimum balance in the Elite Checking account, track at least 10,000 avg. daily steps using the FitnessBank Step Tracker app, as well as maintain a savings balance of $100. Failure to do so will result in a lower APY. See bank for more details and all tiers. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppZelle® SupportedDaily CompoundingRate Changes Often | FDIC InsuredLow MinimumsChecking BundleDaily CompoundingStable Rate |
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Comparison Analysis
Comparing American Express vs. Fitness Bank
Executive Summary
Fitness Bank offers a superior APY of 4.50% with its Fitness Elite Checking & Fitness Savings Combo, making it the winner in this comparison. This account requires maintaining a $5,000 average minimum balance in the checking account and tracking at least 10,000 average daily steps using the FitnessBank Step Tracker app to earn the highest rate. For those seeking a simpler option, the Fitness Savings Account provides a competitive APY of 4.20% without the need for bundling or direct deposit. In contrast, American Express's High Yield Savings Account offers a lower APY of 3.30% with no minimum deposit or maintenance fees, but it does not match the higher returns available at Fitness Bank.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why American Express?
- ✓Higher rated iOS app (4.9 vs 1.7)
- ✓Fast transfers via Zelle®
Why Fitness Bank?
- ✓Higher potential APY (4.20%-4.50% vs 3.30%) on all balances
- ✓Offers 2 different high-yield savings options
— Key Feature Differences —
Better Returns at $10,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo earns more on smaller deposits (approx. $450 vs $330/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $1125 vs $825/yr).
Best for Simplicity
Fitness BankFitness Bank's Fitness Savings Account offers 4.20% APY with no bundling, direct deposit requirement or caps.
Best for All-in-One Banking
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pays a superior APY for customers who also open a checking account.
Shared Benefits
Over a 1-year period, Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays $120 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.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
American Express vs. Fitness Bank Savings Calculator
You earn $120 more with Fitness Bank 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
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
Savings Breakdown
- Interest Earned+$450.00(4.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,450.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $329 per year in interest.
Both American Express and Fitness Bank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | American Express | Fitness Bank |
|---|---|---|
| APY | 3.30% Verified: 2/6/2026 ↘︎ 0.20%90d Change | 4.50% Verified: 2/6/2026 ↘︎ 0.25%90d Change |
| Product Name | High Yield Savings Account | Fitness Elite Checking & Fitness Savings Combo |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $0 | $100 |
| Monthly Fee | $0 | $10. Waived for average daily balances > $100 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None | N/A |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | Yes |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Requires Amex Rewards Checking; not available for standalone HYSA. | Not Supported |
| BBB Rating | F | A+ |
| Important Notes | - | This is a tiered account. To earn the highest tier you must make 15 debit card transactions per Account Period, maintain $5,000 avg. minimum balance in the Elite Checking account, track at least 10,000 avg. daily steps using the FitnessBank Step Tracker app, as well as maintain a savings balance of $100. Failure to do so will result in a lower APY. See bank for more details and all tiers. |
| Next Steps | Visit SiteVerify at American Express Non-sponsored link to official site | Visit SiteVerify at Fitness Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | American Express | Fitness Bank | |
|---|---|---|---|
| High Yield Savings Account | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | |
Current APY | 3.30% | 4.50% | 4.20% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.6 | -3.5 | -1.5 |
Days Since Change | 38 | 3 | 3 |
11-Month High | 3.70% | 5.00% | 4.55% |
11-Month Low | 3.30% | 4.50% | 4.20% |
Adjustments / Mo | 0.37 | 0.28 | 0.28 |
Volatility Score | 0.035 | 0.026 | 0.013 |
How to read these metrics(Click to expand)
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More Comparisons
Compare American Express' APY of 3.30% with other banks
Compare Fitness Bank's APY of 4.50% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Fitness Bank vs Ally Bank | 3.30% | $0 |
| Fitness Bank vs Axos Bank | 4.21% | $0 |
| Fitness Bank vs Bank of America | 0.01% | $100 |
| Fitness Bank vs Barclays | 4.00% | $0 |
| Fitness Bank vs Capital One | 3.30% | $0 |
| Fitness Bank vs Chase Bank | 0.01% | $0 |
| Fitness Bank vs Chime | 3.00% | $0 |
| Fitness Bank vs CIT Bank | 3.75% | $100 |
| Fitness Bank vs Citibank | 3.20% | $0 |
| Fitness Bank vs Discover Bank | 3.30% | $0 |
| Fitness Bank vs EverBank | 3.90% | $0 |
| Fitness Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Fitness Bank vs Newtek Bank | 4.20% | $0.01 |
| Fitness Bank vs Openbank | 4.09% | $500 |
| Fitness Bank vs Pibank | 4.60% | $0 |
| Fitness Bank vs SoFi Bank | 4.00% | $0 |
| Fitness Bank vs Synchrony Bank | 3.50% | $0 |
| Fitness Bank vs Varo Bank | 5.00% | $0 |
| Fitness Bank vs Wealthfront | 3.95% | $0 |
| Fitness Bank vs Wells Fargo | 0.05% | $25 |