Wealthy PotMarcus vs American Express Savings (2026)
Marcus and American Express Savings are both no-minimum, no-fee HYSAs from big, trusted names. They are very similar; the tie-breakers are the current APY and whether you already bank with one. Compare the live rates — the higher APY usually wins since the accounts are otherwise close.
By Wealthy Pot · Last updated September 2026
| Feature | Marcus | American Express Savings |
|---|---|---|
| Type | Online bank | Online bank |
| APY | 3.40% APY | 3.00% APY |
| Minimum to open | $0 | $0 |
| Min balance for top APY | $0 | $0 |
| Monthly fee | $0 | $0 |
| FDIC | FDIC-insured (Goldman Sachs Bank USA) | FDIC-insured (American Express National Bank) |
| Best for | Savers who want a simple, no-fee HYSA from a big-name bank | Existing Amex customers who want a trusted, no-frills HYSA |
Where Marcus wins
- No fees and no minimum balance
- Backed by Goldman Sachs
- Strong, simple CD lineup
- Clean, easy app
Where American Express Savings wins
- No fees and no minimum to open
- Trusted, established brand
- Simple online experience
- Optional CDs
Which should you choose?
Marcus and American Express Savings are both no-minimum, no-fee HYSAs from big, trusted names. They are very similar; the tie-breakers are the current APY and whether you already bank with one. Compare the live rates — the higher APY usually wins since the accounts are otherwise close.
Compare these against every option in our high-yield savings comparison.
We summarize hands-on assessment, not user reviews. APYs are variable and re-checked against each provider's official page. Some accounts are brokerage cash insured through partner banks. Some outbound links may be affiliate links — that never affects our comparisons. Nothing here is financial advice.