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While you wait, here are a few simple ways to make your money work harder — starting today:
Most big banks still pay just 0.01% APY (annual percentage yield). That’s $1 a year on a $10,000 emergency fund.
Look at what $10,000 earns in different accounts:
American Express® High Yield Savings Account (Member FDIC), offering an impressive 3.40%¹ APY (as of December 8, 2025) with no minimum deposit needed to start earning -- no gimmicks, no hoops, just a solid rate and FDIC protection.2
In just a few minutes, you can start earning hundreds more on money you already have. Open your American Express® High Yield Savings Account here.
Credit card debt is financial quicksand — no savings plan can outrun 20%+ interest. A 0% balance transfer card gives you room to finally catch up.
The Wells Fargo Reflect® Card (see rates and fees) offers 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, then 17.74%, 24.24%, or 28.49% Variable APR applies. That’s nearly two full years to pay down debt without interest piling on.
Apply here and start fresh – interest-free until 2027.
Insurers often reserve the best deals for new customers, while slowly raising premiums for long-time policyholders. You could be overpaying by $400–$1,000 on your auto insurance per year without realizing it.
Take two minutes to compare quotes with our free tool.
Worst case? You stick with what you have. Best case? You save hundreds with almost no effort. Either way, it’s worth a 2-minute check.
Want even more tips like these? You’re all set — keep an eye on your inbox.
(And check spam just in case we landed there!)
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American Express HYSA disclosure:
¹The Annual Percentage Yield (APY) as advertised is accurate as of December 8, 2025. Interest rate and APY are subject to change at any time without notice before and after a High Yield Savings Account is opened. Interest Rate and APY of a Certificate of Deposit account is fixed once the account is funded.
²There is no minimum balance required to open your Account, to avoid being charged a fee, or to obtain the Annual Percentage Yield (APY) disclosed to you.
³iOS and Android only. See app store listings for operating system info.
⁴For purposes of transferring funds to or from an external bank, business days are Monday through Friday, excluding federal holidays. Transfers can be initiated 24/7 via the website or phone, but any transfers initiated after 7:00 PM Eastern Time or on non-business days will begin processing on the next business day. Funds deposited into your account may be subject to holds. See the Funds Availability section of your Consumer Deposit Account Agreement and Savings Schedules for more information.