High-yield cash comparison
Compare savings and cash-management offers beyond the headline rate.
This page compares active Financial Bonuses high-yield cash offers using objective catalog facts from current offers. It is not a complete market ranking, and it does not mean any provider sponsors or endorses Financial Bonuses.
What this comparison checks
High-yield savings products can look similar when only the APY is shown. The practical fit can change once you compare bonus rules, balance tiers, monthly fees, access limits, direct-deposit requirements, and provider structure.
Current comparison
| Offer | Type | Rate or bonus detail | Requirement to note | Monthly fee | Access and structure note | Reviewed |
|---|---|---|---|---|---|---|
| Barclays Select Savings Bonus | High-yield savings | $400 bonus; Barclays page showed 4.00% APY in one section and 2.25% APY in another section. | Deposit at least $40,000 within 30 days and maintain at least $40,000 for 120 consecutive days. | $0 monthly maintenance fee listed. | AARP Digital Banking from Barclays; APY is variable and should be verified directly; Barclays Bank Delaware is Member FDIC. | 2026-06-25 |
| Marcus Online Savings Account | High-yield online savings | 3.40% APY in the current catalog facts as of 2026-07-05; APY may change. | No minimum deposit shown in the current catalog facts. | $0 monthly fee. | Online savings account from Goldman Sachs Bank USA, Salt Lake City Branch, Member FDIC. | 2026-07-05 |
| American Express High Yield Savings | High-yield savings | Variable APY; American Express says APY can change at any time. | No minimum deposit shown in the current catalog facts. | $0 monthly fee. | Online savings account from American Express National Bank, Member FDIC; no ATM card, debit card, or checks. | 2026-07-10 |
| Synchrony High Yield Savings | High-yield savings | Variable APY; Synchrony says APYs are subject to change. | No minimum deposit shown in the current catalog facts. | $0 monthly fee. | Optional ATM card; personal non-IRA account scope; Synchrony Bank is Member FDIC. | 2026-07-10 |
| Wealthfront Cash Account | Cash-management account | 3.30% base APY; the provider page advertises boost paths up to 4.20% APY; APY may change. | $1 minimum to open; boost terms and balance caps vary. | $0 account fees listed. | Not a bank account; cash is swept to program banks where FDIC pass-through insurance may apply after arrival. | 2026-07-02 |
| Betterment Cash Reserve APY Boost | Cash reserve | Standard Cash Reserve APY plus a 0.75 percentage-point boost through January 15, 2027. | New Betterment clients must fund an eligible Cash Reserve account during the promotional period. | $0 monthly fee. | Cash Reserve uses program banks and is distinct from invested cash; boost and standard APY can change. | 2026-07-10 |
| Axos ONE Checking And Savings | Checking and savings bundle | Up to 4.21% APY on savings when monthly Axos ONE Checking requirements are met; APY is variable. | $1,500+ qualifying direct deposits or $5,000+ qualifying deposits plus average daily balance requirements. | $0 monthly maintenance fee listed. | Bundled checking and savings product; missing monthly requirements can reduce the APY. | 2026-07-02 |
This table uses current Financial Bonuses catalog facts and linked provider pages. It does not include every high-yield savings or cash-management product in the market.
How to use the table
- Check whether the offer is for a bank deposit account or a cash-management/sweep product.
- Compare the minimum balance or deposit behavior, not only the advertised APY.
- Review whether the account has monthly fees, ATM access, checking features, or online-only limitations.
- Confirm the current APY, bonus terms, tax treatment, and insurance structure directly with the provider before opening.
References used for this comparison guide
Last checked: May 28, 2026. Selected catalog rows refreshed July 2 and July 5, 2026; Barclays catalog values rechecked June 25, 2026.
Related next steps
Financial Bonuses may earn compensation from some partner links. The high-yield cash offers on this page currently use official provider or offer-detail links, not Barclays affiliate links.