American Express vs SoFi
American Express pays 3.00% APY; SoFi pays 3.10%. Trade-offs depend on what you prioritize — see the breakdown below.
Option A
American Express
3.00%
APY
- Min
- $0
- Fee
- $0/mo
- FDIC
- Yes
Best for: savers who prefer well-known institutions
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 8/9/2026.