Barclays, a global financial giant, provides a comprehensive range of services to US customers, while American Express Bank, known for its credit card prowess, extends its expertise to banking.
Let's compare them side by side: checking account options, savings accounts, CDs, and loan options.
Checking Accounts
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Account Types
Bank Account | Monthly Fee | APY On Balance |
|---|---|---|
Amex Rewards Checking | $0 | 1.00% |
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Features
Bank Account | Main Features |
|---|---|
Amex Rewards Checking | Interest on balance, mobile check deposits, digital transfers, debit card with purchase protection, rewards your everyday spending
|
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Savings Accounts
Both Barclays and Amex offers competitive rates on their savings account.
With American Express, customers can earn a competitive APY on their balance. Managing savings is easy with features like simple transfers and auto-deposits, and you'll have access to 24/7 customer service.
Barclays provides seamless online transfers to and from other banks and the convenience of direct deposit. Barclays also provides tools such as the Savings Assistant to aid customers in reaching their savings goals.
Both banks don't have money market accounts for individuals.
Barclays Online Savings | Amex Savings Account | |
|---|---|---|
Savings Rate | 4.10% | 4.00% |
Minimum Deposit | $0 | $0 |
Fees | $0 | $0 |
Certificate Of Deposits (CDs)
If you're looking for a Certificate of Deposit (CD), you may want to go for Barclays instead of American Express.
Barclays gives better interest rates on CDs compared to American Express. Although Barclays doesn't have short-term CDs like three or six months, it offers high rates for other CD terms.
With Barclays, you can use clever plans like CD laddering for both short and long-term CDs. Overall, Barclays provides more options and strategies for making the most of your CD investments compared to American Express
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Barclays Bank CD Rates
CD Term | APY |
|---|---|
12 Months | 3.75% |
18 Months | 3.25%
|
24 Months | 3.00% |
36 Months | 3.00% |
48 Months | 3.00% |
60 Months | 3.25% |
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American Express CD Rates
CD Term | APY | Early Withdrawal Penalty |
|---|---|---|
12 Months | 3.85% | 270 days interest |
18 Months | 3.35%
| 270 days interest |
24 Months | 3.50% | 270 days interest |
36 Months | 3.00% | 270 days interest |
48 Months | 3.00% | 365 days interest |
60 Months | 3.00% | 540 days interest |
Top Offers From Our Partners
Top Savings Accounts From Our Partners
Quontic High Yield Savings
- 4.00% APY on savings
- Interest is compounded daily
- No Monthly Service Fees
CIT Savings Connect
- Up to 4.55% APY on savings
- No monthly service fees.
- Zelle, Samsung & Apple Pay
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Credit Cards
Card | Rewards | Bonus | Annual Fee |
| Blue Cash Preferred® Card from American Express | 1-6%
6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit
and U.S. gas stations, 1% cash back on other purchases
| $250
$250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
| $95 ($0 intro for the first year) |
|---|---|---|---|---|
| American Express® Gold Card | 1X – 4X
4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
| 60,000 points
60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership
| $325 |
| The Platinum Card® from American Express | 1X – 5X
5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
| 80,000 points
80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership
| $695 |
| Delta SkyMiles® Gold American Express Card | 1X – 2X
2X miles on delta purchases, at restaurants worldwide (including take-out and delivery in the U.S) and at U.S. supermarkets, and 1x miles on all other eligible purchases
| 50,000 Miles
Earn 50,000 bonus miles after you spend $2,000 in purchases on your new card in your first 6 months of card membership.
| $150, $0 intro first year |
| Hilton Honors American Express Card | 3X – 7X
7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
| 100,000 points
100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership
| $0 |
Card |
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