American Express vs. TIMBR
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
TIMBR
Premium Savings Account
4.40%APYDec 6, 2025FDIC InsuredLow MinimumsShow Fine Print & Trends Hide Details
TIMBR
Premium Savings Account
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. TIMBR
Why American Express?
- ✓Higher rated iOS app (4.9 vs 0.0)
Why TIMBR?
- ✓Higher potential APY (4.40% vs 3.40%) on all balances
— Key Feature Differences —
Better Returns at $10,000
TIMBRTIMBR's Premium Savings Account earns more on smaller deposits (approx. $440 vs $340/yr).
Better Returns at $25,000
TIMBRTIMBR's Premium Savings Account pulls ahead with larger amounts (approx. $1100 vs $850/yr).
Best for Simplicity
TIMBRTIMBR's Premium Savings Account offers 4.40% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
American ExpressAmerican Express offers an iOS app rated 4.9 (vs. 0.0) and Android app rated 3.6 (vs. 0.0)
Shared Benefits
Over a 1-year period, TIMBR's Premium Savings Account pays $100 more interest on a $10,000 balance than American Express's High Yield Savings Account.
Executive Summary
TIMBR offers a Premium Savings Account with a competitive APY of 4.40%, significantly higher than American Express's High Yield Savings Account, which yields 3.40%. Both accounts are online-only and have no maintenance fees, but TIMBR requires a minimum deposit of $1,000. American Express has the advantage of a highly rated mobile app, with an iOS rating of 4.9. However, for those seeking higher returns, TIMBR's account is the clear winner.
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.
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| Feature | American Express | TIMBR |
|---|---|---|
| APY | 3.40% Verified: 12/6/2025 ↘︎ 0.10%90d Change | 4.40% Verified: 12/6/2025 Stable (90d) |
| Product Name | High Yield Savings Account | Premium Savings Account |
| Minimum Deposit | $0 | $1,000 |
| Min. Balance for APY | $0 | $0 |
| 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 | iOS- Android- |
| BBB Rating | F | A+ |
| Next Steps |
Savings Comparison
TIMBR earns $644.2 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
TIMBR
Premium Savings Account
Savings Breakdown
- Interest Earned+$2,694.70(13.0%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,694.70
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 | TIMBR |
|---|---|---|
| High Yield Savings Account | Premium Savings Account | |
Current APY | 3.40% | 4.40% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.0 | -1.3 |
Days Since Change | 10 | 236 |
10-Month High | 3.80% | 4.55% |
10-Month Low | 3.40% | 4.40% |
Adjustments / Mo | 0.41 | 0.10 |
Volatility Score | 0.026 | 0.013 |
How to read these metrics(Click to expand)
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