Reddit · r/personalfinance · Dec 4, 2025
PositiveSummary of a Reddit post
Recommends the Amex savings account after its combined login with credit cards was initially wonky, citing no minimum balance and no problems with transfers or fees.
American Express High Yield Savings Reviews
Savings
How the signal works ↗Updated 9 NovCompare with CIT Platinum Savings
Real customer experiences (35)
Add your reviewReddit · r/CreditCards · Jul 23, 2026
PositiveSummary of a Reddit post
They keep their savings in the Amex high yield savings account, which has worked well and paid a good return for months. They plan to stay unless the APY drops considerably.
Reddit · r/personalfinance · Feb 11, 2026
PositiveSummary of a Reddit post
Has had the Amex savings account since it first opened, before there was an app, and likes having credit card, savings and checking together in one app.
Reddit · r/personalfinance · Nov 18, 2025
PositiveSummary of a Reddit post
Uses Amex for both checking and savings, citing fast transfers and good interest rates plus a small rate on checking.
Reddit · r/personalfinance · Nov 18, 2025
PositiveSummary of a Reddit post
Says the Amex savings rate may not be the highest, but transfers are free and easy and the site and app are intuitive.
Reddit · r/personalfinance · Nov 18, 2025
PositiveSummary of a Reddit post
Keeps an Amex savings account as a separate emergency fund, accepts that a money market could yield more, and finds transfers to and from Schwab easy within a day or two.
Reddit · r/Banking · Feb 28, 2025
PositiveSummary of a Reddit post
Is a big fan of the Amex savings account, finding it easy to open and to move money in and out over a couple of years.
Reddit · r/fidelityinvestments · Dec 20, 2024
PositiveSummary of a Reddit post
Wired a large sum from their Amex savings account to Fidelity and found the funds available the same day with no fees on either end.
Reddit · r/Banking · Aug 7, 2026
PositiveSummary of a Reddit post
Says American Express has always been great to them, including the high yield savings account.
Reddit · r/CreditCards · May 22, 2026
PositiveSummary of a Reddit post
Keeps a small balance in the Amex savings account because it can send ACH transfers the same day when money is needed quickly.
Reddit · r/Banking · May 9, 2026
PositiveSummary of a Reddit post
Likes Amex checking and savings, noting app-based mobile deposits and instant transfers between the two accounts, with external transfers taking about two business days.
Reddit · r/personalfinance · Feb 12, 2026
PositiveSummary of a Reddit post
Has used Amex for savings and CDs for a while and says it has always been good.
Reddit · r/personalfinance · Feb 11, 2026
PositiveSummary of a Reddit post
After Ally rejected their savings application, opened an Amex savings account with zero problems.
Reddit · r/personalfinance · Feb 11, 2026
PositiveSummary of a Reddit post
Uses the Amex savings account and likes paying the credit card directly from it while earning a little interest as money sits there.
Reddit · r/personalfinance · Dec 4, 2025
PositiveSummary of a Reddit post
Likes managing the Amex savings account and credit card in one app and finds the rates good enough.
Reddit · r/personalfinance · Dec 4, 2025
PositiveSummary of a Reddit post
Says Amex savings has been good, with an easy interface, good service and rates that follow the market, including upward.
Reddit · r/personalfinance · Nov 18, 2025
PositiveSummary of a Reddit post
Loves the transfer speed and ease of use of the Amex savings account.
Reddit · r/personalfinance · Nov 18, 2025
PositiveSummary of a Reddit post
Finds the Amex savings account convenient, including paying off a credit card balance instantly from it.
Reddit · r/personalfinance · Nov 18, 2025
PositiveSummary of a Reddit post
Chose the Amex savings account after research and likes easy, fast unlimited transfers to their credit union.
Reddit · r/personalfinance · Nov 18, 2025
PositiveSummary of a Reddit post
Moves money easily between Chase and the Amex savings account and highly recommends it.
Common questions about American Express High Yield Savings
Is American Express High Yield Savings worth it?
Of the 35 reviews with a clear verdict, 57% are positive, 29% mixed and 14% negative. The praise mentioned most is good rate.
What do people like about American Express High Yield Savings?
The praise reviewers mention most: good rate (1 review). For example: They keep their savings in the Amex high yield savings account, which has worked well and paid a good return for months. They plan to stay unless the APY drops considerably.
What does the signal score of 68 mean?
It's how well reviewed American Express High Yield Savings is, out of 100. Negative and mixed reviews take points off, and so does having only a few reviews: a product needs plenty of them, compared with the most-reviewed products here, to reach the high 80s and 90s. It's worked out from reviews only, needs at least 5 of them, and updates as new ones come in.
What are the specs of American Express High Yield Savings?
Category: Savings. Type: Online high-yield savings account. Fees: No monthly fees. Rates & rewards: 3.20% APY (as of Nov 6, 2026; variable). Minimum: No minimum balance.
Where do these American Express High Yield Savings reviews come from?
35 are quotes from Reddit, each linked to the original. Customer reviews are checked for spam before they appear. Every review, written here or quoted, is read as positive, mixed or negative.