American Express vs. Fitness Bank
American Express's High Yield Savings Account pays 3.00% APY while Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays 4.05% 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 $105 more than American Express annually ($405 vs $300).
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 Aug 21, 2026 | Fitness BankFitness Elite Checking & Fitness Savings Combo Aug 20, 2026 |
|---|---|---|
| APY | 3.00% | 4.05% |
Est. Earnings | $5,000+$150 $10,000+$300 $25,000+$750 | $5,000+$203 $10,000+$405 $25,000+$1,013 |
Min Deposit | $0 | $100 |
Snapshot view. Rates subject to change. | ||
Terms | - | This is a tiered account. To earn the highest tier you must track at least 12,500 avg. daily steps using the FitnessBank Step Tracker app as well as maintain a 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 CompoundingRate Changes Often |
Prefer In-Person Banking?
Both of these institutions are online-only. If you need in-branch access, check out our list of savings accounts with brick-and-mortar locations.
Comparison Analysis
Comparing American Express vs. Fitness Bank
Executive Summary
A detailed summary for this comparison is being prepared. Check back soon.
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 (3.75%-4.05% vs 3.00%) on all balances
- ✓Offers 3 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. $405 vs $300/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $1013 vs $750/yr).
Best for Simplicity
Fitness BankFitness Bank's Senior Fitness Savings Account offers 3.75% 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 $105 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 $105 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+$300.00(2.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,300.00
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
Savings Breakdown
- Interest Earned+$405.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,405.00
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 $299 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 | 3.00% Verified: 8/21/2026 ↘︎ 0.10%90d Change | 4.05% Verified: 8/20/2026 - |
| 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 |
| In-Branch Access | No | No |
| Account Type | Online Only | Online Only |
| Physical Branches | None | N/A |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | Yes |
| Mobile Apps | ||
| FDIC or NCUA 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 track at least 12,500 avg. daily steps using the FitnessBank Step Tracker app as well as maintain a 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 | Senior Fitness Savings Account | Fitness Savings Account | Fitness Elite Checking & Fitness Savings Combo | |
Current APY | 3.00% | 3.75% | 3.75% | 4.05% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -4.9 | -9.5 | -3.4 | -3.6 |
Days Since Change | 42 | 50 | 50 | 50 |
12-Month High | 3.50% | 4.20% | 4.50% | 4.85% |
12-Month Low | 3.00% | 3.75% | 3.75% | 4.05% |
Adjustments / Mo | 0.41 | 0.17 | 0.33 | 0.33 |
Volatility Score | 0.029 | 0.048 | 0.021 | 0.020 |
How to read these metrics(Click to expand)
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Compare American Express' APY of 3.00% with other banks
Compare Fitness Bank's APY of 4.05% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Fitness Bank vs Ally Bank | 3.00% | $0 |
| Fitness Bank vs Axos Bank | 4.21% | $0 |
| Fitness Bank vs Barclays | 3.65% | $0 |
| Fitness Bank vs Capital One | 3.50% | $0 |
| Fitness Bank vs Chime | 3.75% | $0 |
| Fitness Bank vs CIT Bank | 3.75% | $100 |
| Fitness Bank vs EverBank | 3.90% | $0 |
| Fitness Bank vs Marcus by Goldman Sachs | 3.40% | $0 |
| Fitness Bank vs Newtek Bank | 4.20% | $100 |
| Fitness Bank vs Openbank | 3.80% | $500 |
| Fitness Bank vs Pibank | 4.10% | $0 |
| Fitness Bank vs SoFi Bank | 3.80% | $0 |
| Fitness Bank vs Synchrony Bank | 3.30% | $0 |
| Fitness Bank vs Varo Bank | 3.75% | $0 |
| Fitness Bank vs Wealthfront | 3.95% | $0 |