American Express vs. PNC
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | American ExpressHigh Yield Savings Account Jan 7, 2026 | PNCPNC High Yield Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.30% | 3.30% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$165 $10,000+$330 $25,000+$825 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | Eligibility restricted to select states. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppZelle® Supported | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing American Express vs. PNC
As of both American Express (High Yield Savings Account) and PNC (PNC High Yield Savings) offer an APY of 3.30% .
Both banks yield $330 in interest on a $10,000 balance after one year. Neither has an APY advantage, so consider other features (fees, access, app ratings, etc.) when choosing.
In addition, PNC also offers 0.03% APY for the Standard Savings account, with a minimum balance of $1.
Why American Express?
- ✓Available Nationwide
Why PNC?
- ✓Physical branch access (Multiple branches in AL, AZ, CA, CO, DE, DC, FL, GA, IL, IN, KS, KY, MD, MA, MI, MO, NJ, NM, NY, NC, OH, PA, SC, TN, TX, VA, WV, WI)
- ✓Higher rated Android app (4.6 vs 3.6)
Shared Benefits
Executive Summary as of
American Express offers a High Yield Savings Account with an attractive APY of 3.30%, compounded daily, and requires no minimum deposit or balance, making it a straightforward online-only option. In comparison, PNC's High Yield Savings account also offers a competitive APY of 3.30%, but eligibility is restricted to select states, and it compounds monthly. PNC also provides a Standard Savings account with a significantly lower APY of 0.03%. Both banks have no maintenance fees and do not require direct deposit, but American Express stands out for its simplicity and broader accessibility.
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. PNC Savings Calculator
Both accounts earn exactly the same amount.
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
PNC
PNC High Yield Savings
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | American Express | PNC |
|---|---|---|
| APY | 3.30% Verified: 1/7/2026 ↘︎ 0.20%90d Change | 3.30% Verified: 1/7/2026 ↘︎ 0.55%90d Change |
| Product Name | High Yield Savings Account | PNC High Yield Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android3.6 | iOS4.9 Android4.6 |
| Zelle® Support | Available Requires Amex Rewards Checking; not available for standalone HYSA. | Available Limit: $2,000/dayCentral to Virtual Wallet suite. |
| BBB Rating | F | A+ |
| Important Notes | - | Eligibility restricted to select states. |
| Next Steps | Visit SiteVerify at American Express Non-sponsored link to official site | Visit SiteVerify at PNC Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | American Express | PNC | |
|---|---|---|---|
| High Yield Savings Account | PNC High Yield Savings | Standard Savings | |
Current APY | 3.30% | 3.30% | 0.03% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.3 | -5.6 | 0.2 |
Days Since Change | 8 | 21 | 251 |
10-Month High | 3.70% | 3.95% | 0.03% |
10-Month Low | 3.30% | 3.30% | 0.01% |
Adjustments / Mo | 0.39 | 0.39 | 0.10 |
Volatility Score | 0.030 | 0.057 | 0.286 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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