Synchrony vs American Express
Synchrony 12-Month CD pays 4.85% APY vs. Amex 12-Month CD's 4.75%. Synchrony 12-Month CD wins on rate; Amex 12-Month CD carries a stronger brand reputation.
Option A
Synchrony
4.35%
APY
- Min
- $0
- Fee
- $0/mo
- FDIC
- Yes
Best for: Competitive rate with easy online access
Open with Synchrony →Option B
American Express
3.50%
APY
- Min
- $0
- Fee
- $0/mo
- FDIC
- Yes
Best for: Competitive rate with easy online access
Open with American Express →How this comparison was built
Rates and fees are pulled from each provider's published rate disclosures and reviewed by our product data pipeline. The verdict above is generated from the verified data — we don't accept payments to influence rankings. Last refreshed 5/7/2026.