# Financeradar, Full Reference

> Independent research on US credit cards, savings accounts, CDs, checking, money market accounts and private credit platforms. 179 published products as of 2026-10-07. Every rate and fee below is the figure shown on the product page, with the date it was last verified against the provider's own page.

Short version: https://financeradar.com/llms.txt. Machine-readable product index (JSON): https://financeradar.com/tools-index.json. Notes for AI agents: https://financeradar.com/for-agents.

Financeradar is not a financial advisor; content is research, not advice. Rates change: always quote a figure with its verification date.

How we make money: No position in a Financeradar ranking is paid for as of this file. Financeradar earns affiliate commissions on some product links; those links are disclosed on the page where they appear, and commissions do not affect scores, rankings, or pros and cons (see /how-we-make-money). Editorial policy: https://financeradar.com/editorial-policy.

## Categories

- [Credit Cards](https://financeradar.com/best/credit-cards): 58 products. US credit cards compared on the numbers that matter: annual fees, reward rates, welcome bonuses and APRs, verified against issuer pages. Covers cash back, travel, business, student, balance transfer…
- [High-Yield Savings](https://financeradar.com/best/savings-accounts): 48 products. US high-yield savings accounts, checking-savings combos, and cash management accounts, with rates and terms verified against official pages and dated trackers.
- [Alternative Investing](https://financeradar.com/best/private-credit): 33 products. Platforms and funds that give US individuals access to private credit and other alternative assets: lending marketplaces, non-traded BDCs, real estate debt, farmland, art, and equity crowdfunding.…
- [CD Rates](https://financeradar.com/best/cd-rates): 15 products. Certificates of deposit compared by APY, term, minimum deposit and early withdrawal penalty.
- [Checking Accounts](https://financeradar.com/best/checking-accounts): 14 products. Everyday checking accounts compared by monthly fee, waivers, ATM network and overdraft terms.
- [Money Market Accounts](https://financeradar.com/best/money-market-accounts): 6 products. Money market accounts compared by APY, minimum balance, check writing and debit access.
- Net Worth Trackers: 4 products. Apps that consolidate your accounts, investments, and assets into a single net-worth dashboard and help you track wealth over time.

## Products

Each entry: product page, tagline, the figures from its "At a glance" box, and the date those figures were verified.

### Credit cards (58)

#### [Wells Fargo Active Cash](https://financeradar.com/credit-cards/wells-fargo-active-cash)

Flat 2% on everything plus an easy $100 bonus and free phone insurance

- Annual fee: $0
- Rewards: 2% cash rewards on everything
- Welcome bonus: $100 after $500 in 3 months
- Regular APR: 18.74%, 24.74% or 28.74% variable
- Intro APR: 0% for 12 months on purchases and qualifying balance transfers
- Recommended credit: good (670+)
- Issuer: Wells Fargo
- Network: Visa (Signature)
- Rates and fees verified: 2026-10-02
- Page updated: 2026-09-25
- Pros: 2% flat plus an easy $100 bonus after $500 in 3 months | Up to $600 of cell phone protection against damage or theft, $25 deductible, when you pay the phone bill with the card
- Cons: 3% foreign transaction fee | Rewards ecosystem shallow without Autograph pairing

#### [Capital One Venture X Rewards](https://financeradar.com/credit-cards/capital-one-venture-x)

$395 premium travel card that nearly pays for itself in credits and miles

- Annual fee: $395
- Rewards: 2x everything, 10x hotels/rental cars and 5x flights via Capital One Travel
- Welcome bonus: 75,000 miles after $4,000 in 3 months
- Regular APR: 19.49%-28.49% variable
- Recommended credit: excellent (740+)
- Issuer: Capital One
- Network: Visa (Infinite)
- Rates and fees verified: 2026-10-01
- Page updated: 2026-10-01
- Pros: Effectively costs about $0 after the credit and anniversary miles | Free authorized users | Cheapest real premium card
- Cons: $300 credit locked to the Capital One Travel portal | Lounge network thinner than Amex or Chase

#### [Chase Ink Business Unlimited](https://financeradar.com/credit-cards/chase-ink-business-unlimited)

Flat 1.5% business card currently paying a $1,000 welcome bonus at $0 fee

- Annual fee: $0
- Rewards: 1.5% on everything, no caps
- Welcome bonus: $1,000 after $8,000 in 4 months (elevated, June 2026)
- Intro APR: 0% for 12 months on purchases
- Recommended credit: good-excellent (690+)
- Issuer: Chase
- Network: Visa
- Rates and fees verified: 2026-10-03
- Page updated: 2026-08-11
- Pros: $1,000 bonus on a no-fee card is exceptional | Zero category tracking | 0% intro APR for 12 months on purchases
- Cons: 1.5% base lags 2% business cards | Foreign transaction fee

#### [Amex Blue Cash Preferred](https://financeradar.com/credit-cards/amex-blue-cash-preferred)

6% at US supermarkets and on streaming, 3% gas and transit, $0 intro first year

- Annual fee: $95
- Rewards: 6% US supermarkets (capped), 6% select US streaming, 3% transit and US gas, 1% other
- Welcome bonus: As high as $300 back after $3,000 in 6 months (personalized)
- Regular APR: 19.49%-28.49% variable
- Intro APR: 0% for 12 months on purchases and balance transfers
- Recommended credit: good-excellent (700+)
- Issuer: American Express
- Network: American Express
- Rates and fees verified: 2026-10-03
- Page updated: 2026-10-03
- Pros: A maxed grocery cap alone returns $360/year | Strong gas and transit floor | Highest grocery rate of any mainstream card
- Cons: Rewards come as Reward Dollars, statement credit only | Superstores and warehouse clubs excluded from the 6% rate

#### [Chase Freedom Flex](https://financeradar.com/credit-cards/chase-freedom-flex)

Free rotating 5% categories plus rare cell phone insurance at $0

- Annual fee: $0
- Rewards: 5% rotating quarterly categories (capped, activation required), 5% Chase Travel, 3% dining, 3% drugstores, 1% other
- Welcome bonus: $250 after $500 in 3 months (limited-time offer)
- Regular APR: 18.24%-27.74% variable
- Intro APR: 0% for 15 months on purchases and balance transfers
- Recommended credit: good (670+)
- Issuer: Chase
- Network: Mastercard
- Rates and fees verified: 2026-08-26
- Page updated: 2026-09-25
- Pros: Highest ceiling of any no-fee Chase card | Pairs with Sapphire for point transfers | Cell phone insurance is rare at $0
- Cons: Quarterly activation chore | $1,500 quarterly cap on the 5% rate | 3% foreign transaction fee

#### [Chase Sapphire Preferred](https://financeradar.com/credit-cards/chase-sapphire-preferred)

$95 travel card with 75,000 points after $5,000 and 1:1 transfers to Hyatt and United

- Annual fee: $95
- Rewards: 5x Chase Travel, 3x dining, gas/EV, vacation rentals, streaming and online groceries, 2x other travel, 1x other
- Welcome bonus: 75,000 points after $5,000 in 3 months (Chase page, September 7, 2026)
- Regular APR: 19.24%-27.49% variable (max 29.99%)
- Recommended credit: good-excellent (690+)
- Issuer: Chase
- Network: Visa
- Rates and fees verified: 2026-10-03
- Page updated: 2026-09-07
- Pros: 75,000-point welcome bonus at a $95 fee, confirmed on Chase's page September 7, 2026 | 1:1 point transfers to Hyatt, United and other partners | 2026 refresh added categories without a fee hike
- Cons: $5,000 bonus spend requirement is high for a $95 card | No lounge access | CNBC flags a negative transfer-partner change in the 2026 overhaul

#### [Discover it Cash Back](https://financeradar.com/credit-cards/discover-it-cash-back)

Rotating 5% categories with every dollar of year-one cash back matched

- Annual fee: $0
- Rewards: 5% rotating quarterly categories (capped, activation required), 1% other
- Welcome bonus: Cashback Match: all year-one cash back matched, unlimited
- Regular APR: 17.49%-26.49% variable
- Intro APR: 0% for 15 months on purchases and balance transfers
- Recommended credit: good (670+)
- Issuer: Discover
- Network: Discover
- Rates and fees verified: 2026-10-07
- Page updated: 2026-10-07
- Pros: The match can beat any $200 bonus | Friendly underwriting for thinner files
- Cons: Discover acceptance gaps abroad | Quarterly activation required | $1,500 quarterly caps

#### [Capital One Spark Cash Plus](https://financeradar.com/credit-cards/capital-one-spark-cash-plus)

Uncapped 2% business cash back with bonuses that scale past $500k in spend

- Annual fee: $150
- Rewards: 2% on everything, uncapped; 5% via Capital One Travel
- Welcome bonus: $2,000 after $30,000 in 3 months, plus $500 travel credit, plus $2,000 per $500k spent in year one
- Recommended credit: excellent business credit
- Issuer: Capital One
- Network: Visa
- Rates and fees verified: 2026-10-03
- Page updated: 2026-08-11
- Pros: Uncapped 2% for heavy spenders | Enormous scaled bonuses | $150 fee refunded each year at $150,000 in spend
- Cons: $30,000 bonus gate | Must pay in full unless enrolled in the new financing

#### [Chase Ink Business Preferred](https://financeradar.com/credit-cards/chase-ink-business-preferred)

100,000 points after $8,000 in 3 months, 3x on ads, travel, shipping and telecom, $95 fee.

- Annual fee: $95
- Rewards: 3x travel, shipping, internet/cable/phone and search/social ads on a combined $150,000 per year, then 1x
- Welcome bonus: 100,000 points after $8,000 in 3 months
- Regular APR: 17.74%-26.74% variable
- Recommended credit: good-excellent (690+)
- Issuer: Chase
- Network: Visa
- Rates and fees verified: 2026-10-04
- Page updated: 2026-09-07
- Pros: 100k points for $95 is the best points-per-fee-dollar in the market | 3x on ad spend is unmatched for online businesses
- Cons: $8,000 bonus spend hurdle | 3x caps at $150,000 per year | No travel credits

#### [Citi Double Cash](https://financeradar.com/credit-cards/citi-double-cash)

The 2% flat-rate benchmark, now with an 18-month balance transfer window

- Annual fee: $0
- Rewards: 2% on everything (1% buy + 1% pay)
- Welcome bonus: $200 (as 20,000 ThankYou points) after $1,500 in 6 months
- Regular APR: 17.49%-27.49% variable
- Intro APR: 0% for 18 months on balance transfers only
- Recommended credit: good (670+)
- Issuer: Citi
- Network: Mastercard
- Rates and fees verified: 2026-07-23
- Page updated: 2026-10-03
- Pros: Benchmark 2% flat rate | Rare combo of rewards plus a long balance transfer offer
- Cons: No purchase intro APR | 3% foreign transaction fee

#### [Citi Strata Premier](https://financeradar.com/credit-cards/citi-strata-premier)

The widest 3x coverage in the $95 tier, plus a $100 annual hotel credit

- Annual fee: $95
- Rewards: 10x CitiTravel hotels/cars/attractions, 3x air travel, hotels, restaurants, supermarkets, gas/EV, 1x other
- Welcome bonus: 60,000 ThankYou points after $4,000 in 3 months
- Regular APR: 20.24%-28.24% variable
- Recommended credit: good-excellent (700+)
- Issuer: Citi
- Network: Mastercard (World Elite)
- Rates and fees verified: 2026-07-23
- Page updated: 2026-08-11
- Pros: Broadest 3x category spread at $95 anywhere | Hotel credit offsets the fee | No foreign transaction fees on spending abroad
- Cons: Weaker transfer partner roster for US domestic flyers | Travel protections thinner than Chase

#### [Capital One Savor Student Cash Rewards](https://financeradar.com/credit-cards/capital-one-savor-student)

Adult-grade 3% on dining, groceries and streaming in a student card

- Annual fee: $0
- Rewards: 3% dining, entertainment, streaming and groceries (excl. superstores), 1% other
- Welcome bonus: $100 after $300 in 3 months (elevated, from June 9, 2026)
- Recommended credit: student/limited history
- Issuer: Capital One
- Network: Mastercard
- Rates and fees verified: 2026-10-04
- Page updated: 2026-08-11
- Pros: Best student earn structure on the market | Trivially easy bonus | No foreign transaction fee for a semester abroad
- Cons: High APR typical of student cards | Requires some income proof

#### [Chase Ink Business Cash](https://financeradar.com/credit-cards/chase-ink-business-cash)

No-fee 5% on office supplies and telecom, with a bonus up to $1,000

- Annual fee: $0
- Rewards: 5% office supplies and internet/cable/phone (capped), 2% gas and restaurants (capped), 1% other
- Welcome bonus: Up to $1,000 (elevated June 2026); standard $750 after $6,000 in 3 months
- Regular APR: 16.74%-24.74% variable
- Intro APR: 0% for 12 months on purchases
- Recommended credit: good-excellent (690+)
- Issuer: Chase
- Network: Visa
- Rates and fees verified: 2026-10-01
- Page updated: 2026-08-11
- Pros: 5% on office and telecom spend is elite for a $0 fee | Big bonus for a no-fee card | 0% intro APR on purchases for the first 12 months
- Cons: 5% caps at $25,000 per year | Niche categories if you are not office-based

#### [American Express Gold Card](https://financeradar.com/credit-cards/amex-gold)

4x at restaurants and US supermarkets for $325, with up to $424 in credits

- Annual fee: $325
- Rewards: 4x restaurants worldwide (up to $50,000/year), 4x US supermarkets (up to $25,000/year), 5x prepaid Amex Travel hotels, 3x flights booked direct or via Amex Travel, 1x other
- Welcome bonus: Personalized: Amex's page shows an offer as high as 100,000 points after $8,000 in 6 months, but says to apply to find out your specific offer and that you may not be eligible for one (confirmed September 25, 2026)
- Recommended credit: good-excellent (700+)
- Issuer: American Express
- Network: American Express
- Rates and fees verified: 2026-09-25
- Page updated: 2026-09-25
- Pros: Category king for food spending | Credits realistically offset most of the fee
- Cons: $325 fee needs active credit usage | Monthly drip credits in $10 increments are effortful

#### [Amex Blue Cash Everyday](https://financeradar.com/credit-cards/amex-blue-cash-everyday)

Free 3% on US groceries, gas and online retail with a 15-month 0% window

- Annual fee: $0
- Rewards: 3% US supermarkets, US online retail and US gas (each capped at $6,000/yr), 1% other
- Welcome bonus: As high as $200 back after $2,000 in 6 months (personalized)
- Regular APR: 19.49%-28.49% variable
- Intro APR: 0% for 15 months on purchases and balance transfers
- Recommended credit: good (670+)
- Issuer: American Express
- Network: American Express
- Rates and fees verified: 2026-10-01
- Page updated: 2026-08-11
- Pros: No fee with three practical 3% categories | Longer 0% window than its Preferred sibling | Welcome offer up to $200 with six months to meet the $2,000 spend
- Cons: $6,000 caps per category | Statement-credit-only redemption

#### [U.S. Bank Cash+ Visa Signature](https://financeradar.com/credit-cards/us-bank-cash-plus)

Choose two 5% categories a quarter, including utilities and phone bills

- Annual fee: $0
- Rewards: 5% on two chosen categories (capped at $2,000/quarter combined), 5% prepaid travel, 2% one everyday category, 1% other
- Welcome bonus: $250 after $1,000 in 90 days
- Regular APR: 17.74%-27.99% variable
- Intro APR: 0% for 15 billing cycles on purchases and balance transfers
- Recommended credit: good (670+)
- Issuer: U.S. Bank
- Network: Visa (Signature)
- Rates and fees verified: 2026-10-06
- Page updated: 2026-08-11
- Pros: 5% on utilities and phone bills exists nowhere else | Solid $250 bonus | 0% intro APR for 15 billing cycles on purchases and transfers
- Cons: Quarterly category re-election required, or you drop to 1% | $2,000 quarterly cap

#### [Capital One Venture Rewards](https://financeradar.com/credit-cards/capital-one-venture)

Flat 2x miles on everything and a 75k bonus for $95, no homework required

- Annual fee: $95
- Rewards: 2x miles on everything, 5x hotels/rental cars via Capital One Travel
- Welcome bonus: 75,000 miles after $4,000 in 3 months
- Regular APR: 19.49%-28.49% variable
- Recommended credit: good-excellent (700+)
- Issuer: Capital One
- Network: Visa
- Rates and fees verified: 2026-10-01
- Page updated: 2026-10-01
- Pros: Dead-simple flat 2x earning | Bonus worth $750+ minimum
- Cons: No lounge access | Portal-tied 5x rate

#### [Citi Simplicity](https://financeradar.com/credit-cards/citi-simplicity)

21 months of 0% on transfers with no late fees and no penalty APR, ever

- Annual fee: $0
- Rewards: None
- Welcome bonus: None
- Intro APR: 0% for 21 months on balance transfers, 0% for 12 months on purchases
- Recommended credit: good (670+)
- Issuer: Citi
- Network: Mastercard
- Rates and fees verified: 2026-07-23
- Page updated: 2026-08-11
- Pros: Forgiveness features unique in the category | 21 months of breathing room | $0 annual fee
- Cons: Zero rewards | Cannot transfer from other Citi cards

#### [Discover it Miles](https://financeradar.com/credit-cards/discover-it-miles)

1.5x on everything, doubled in year one for an effective 3% on all spending

- Annual fee: $0
- Rewards: 1.5x miles on everything, redeemable at a flat 1 cent
- Welcome bonus: Mile Match: all year-one miles matched
- Regular APR: 17.49%-26.49% variable
- Intro APR: 0% for 15 months on purchases (BT from first transfer date)
- Recommended credit: good (670+)
- Issuer: Discover
- Network: Discover
- Rates and fees verified: 2026-10-02
- Page updated: 2026-08-11
- Pros: 3% effective first-year rate on everything beats nearly all flat cards | Zero fees | 0% intro APR for 15 months on purchases
- Cons: Miles are really cash back, no transfer partners | 1.5% after year one is ordinary

#### [Wells Fargo Autograph](https://financeradar.com/credit-cards/wells-fargo-autograph)

Six 3x categories and transferable points on a card with no annual fee

- Annual fee: $0
- Rewards: 3x restaurants, travel, gas, transit, streaming and phone plans, 1x other
- Welcome bonus: 20,000 points after $1,000 in 3 months
- Regular APR: 18.74%, 24.74% or 28.74% variable
- Intro APR: 0% for 12 months on purchases
- Recommended credit: good (670+)
- Issuer: Wells Fargo
- Network: Visa (Signature)
- Rates and fees verified: 2026-10-02
- Page updated: 2026-09-25
- Pros: Six 3x categories for free is the best no-fee earn structure in travel | Transfers add upside
- Cons: Partner list still thinner than Chase or Amex | Modest bonus

#### [American Express Business Gold Card](https://financeradar.com/credit-cards/amex-business-gold)

Self-adjusting 4x on your top two business categories, for $375 a year

- Annual fee: $375
- Rewards: 4x on your top 2 of 6 eligible business categories each cycle (capped at $150k/yr), 1x after
- Welcome bonus: As high as 200,000 points after $15,000 in 3 months (personalized)
- Regular APR: 17.74%-28.49% variable (Pay Over Time, max 29.99%)
- Recommended credit: good-excellent (700+)
- Issuer: American Express
- Network: American Express
- Rates and fees verified: 2026-07-23
- Page updated: 2026-08-11
- Pros: Auto-optimizing categories | Monster headline bonus
- Cons: $375 annual fee | $15,000 bonus spend excludes small operators | As-high-as offer roulette

#### [Amex Blue Business Plus](https://financeradar.com/credit-cards/amex-blue-business-plus)

Free 2x Membership Rewards on all business spending up to $50k a year

- Annual fee: $0
- Rewards: 2x Membership Rewards on everything (first $50k/yr), 1x after
- Welcome bonus: 15,000 points after $3,000 in 3 months
- Regular APR: 16.74%-28.49% variable
- Intro APR: 0% for 12 months on purchases
- Recommended credit: good (670+)
- Issuer: American Express
- Network: American Express
- Rates and fees verified: 2026-07-23
- Page updated: 2026-08-11
- Pros: 2x transferable points at $0 fee is unique | Gentle bonus requirements | 0% intro APR on purchases for 12 months
- Cons: $50,000 annual cap on the 2x rate | Modest bonus | Foreign transaction fee

#### [Capital One Savor Cash Rewards](https://financeradar.com/credit-cards/capital-one-savor)

Uncapped 3% dining, groceries, entertainment and streaming, plus 5% Capital One Travel, no fee

- Annual fee: $0
- Rewards: 3% dining, groceries (excluding superstores), entertainment and popular streaming; 5% hotels, vacation rentals and rental cars via Capital One Travel; 1% other
- Welcome bonus: $200 after $500 in 3 months
- Regular APR: 18.49%-28.49% variable
- Intro APR: 0% for 12 months on purchases and balance transfers
- Recommended credit: good (670+)
- Issuer: Capital One
- Network: Mastercard
- Rates and fees verified: 2026-10-03
- Page updated: 2026-09-25
- Pros: Four everyday 3% categories, uncapped, for free | Easy bonus
- Cons: 1% base rate | Grocery exclusions bite superstore shoppers

#### [Chase Freedom Unlimited](https://financeradar.com/credit-cards/chase-freedom-unlimited)

No-fee 1.5% floor, 3% dining and drugstores, $200 after $500 in 3 months.

- Annual fee: $0
- Rewards: 5% Chase Travel, 3% dining, 3% drugstores, 1.5% everything else
- Welcome bonus: $200 after $500 in 3 months
- Regular APR: 18.24%-27.74% variable
- Intro APR: 0% for 15 months on purchases and balance transfers
- Recommended credit: good (670+)
- Issuer: Chase
- Network: Visa
- Rates and fees verified: 2026-10-02
- Page updated: 2026-09-25
- Pros: 1.5% floor with 3% dining and drugstore kickers | Easy $200 bonus | Upgrade path to Sapphire pairing
- Cons: 3% foreign transaction fee | 5% travel rate locked to the Chase portal

#### [Chase Slate](https://financeradar.com/credit-cards/chase-slate)

Reintroduced in 2026: 21 months of 0% APR on purchases and transfers, no rewards

- Annual fee: $0
- Rewards: None
- Welcome bonus: None
- Regular APR: 18.24%-28.24% variable
- Intro APR: 0% for 21 months on purchases and balance transfers
- Recommended credit: good (670+)
- Issuer: Chase
- Network: Visa
- Rates and fees verified: 2026-10-02
- Page updated: 2026-08-11
- Pros: One of the longest 0% windows on the market | Intro APR covers purchases as well as transfers | $0 annual fee
- Cons: No rewards, ever | Balance transfer fee applies

#### [U.S. Bank Altitude Go Visa Signature](https://financeradar.com/credit-cards/us-bank-altitude-go)

The highest no-fee dining rate: 4x at restaurants with 2x support categories

- Annual fee: $0
- Rewards: 4x dining/takeout/delivery (capped at $2,000/quarter), 2x groceries, gas/EV and streaming, 1x other
- Welcome bonus: 20,000 points after $1,000 in 90 days ($200 value)
- Regular APR: 17.74%-28.74% variable
- Intro APR: 0% intro on purchases and balance transfers (12 or 15 billing cycles; sources conflict)
- Recommended credit: good (670+)
- Issuer: U.S. Bank
- Network: Visa (Signature)
- Rates and fees verified: 2026-10-07
- Page updated: 2026-08-11
- Pros: Highest no-fee dining rate | Practical 2x support categories | 20,000-point bonus worth $200 after $1,000 in 90 days
- Cons: New $2,000 quarterly cap on the 4x (a 2026 nerf) | Redemption is cash-value only

#### [Bank of America Customized Cash Rewards](https://financeradar.com/credit-cards/bank-of-america-customized-cash-rewards)

Pick-your-own 3% category, boosted up to 5.25% with BofA Preferred Rewards

- Annual fee: $0
- Rewards: 3% chosen category, 2% grocery and wholesale clubs (both capped at $2,500/quarter combined), 1% other
- Welcome bonus: $200 after $1,000 in 90 days
- Regular APR: 17.49%-27.49% variable
- Intro APR: 0% for 15 billing cycles (purchases + BT in first 60 days)
- Recommended credit: good (670+)
- Issuer: Bank of America
- Network: Visa (Signature)
- Rates and fees verified: 2026-07-23
- Page updated: 2026-08-11
- Pros: Best cash-back math in America with a banking relationship | Flexible, switchable category | $200 bonus after $1,000 spend plus 0% intro APR for 15 billing cycles
- Cons: $2,500 quarterly cap is tight | Mediocre without Preferred Rewards

#### [Bank of America Premium Rewards](https://financeradar.com/credit-cards/bank-of-america-premium-rewards)

A stealth 2.62% everything card for BofA Platinum Honors households, at $95

- Annual fee: $95
- Rewards: 2x travel and dining, 1.5x everything else; up to 2.62% with Preferred Rewards
- Welcome bonus: 60,000 points after $4,000 in 90 days ($600 value)
- Regular APR: 19.49%-27.49% variable
- Recommended credit: good-excellent (700+)
- Issuer: Bank of America
- Network: Visa (Signature)
- Rates and fees verified: 2026-07-23
- Page updated: 2026-08-11
- Pros: Credits alone exceed the fee | Platinum Honors clients earn a de facto 2.62% everywhere | 60,000-point bonus worth $600 after $4,000 in 90 days
- Cons: Fixed-value points | Forgettable without the banking relationship

#### [Capital One Quicksilver Cash Rewards](https://financeradar.com/credit-cards/capital-one-quicksilver)

Simple 1.5% on everything with a 15-month 0% window and no foreign fees

- Annual fee: $0
- Rewards: 1.5% on everything, 5% hotels/rental cars via Capital One Travel
- Welcome bonus: $200 after $500 in 3 months
- Regular APR: 18.49%-28.49% variable
- Intro APR: 0% for 15 months on purchases and balance transfers (3% BT fee)
- Recommended credit: good (670+)
- Issuer: Capital One
- Network: Visa or Mastercard (varies by offer)
- Rates and fees verified: 2026-10-06
- Page updated: 2026-08-11
- Pros: Zero-thought earning | Unusually long 0% window for a rewards card | $200 bonus after $500 spend in 3 months
- Cons: 1.5% is below the 2% flat-rate leaders | No bonus categories

#### [Wells Fargo Reflect](https://financeradar.com/credit-cards/wells-fargo-reflect)

21 months at 0% on purchases and qualifying transfers, with a 5% BT toll

- Annual fee: $0
- Rewards: None
- Welcome bonus: None
- Regular APR: 17.49%, 23.99% or 28.24% variable
- Intro APR: 0% for 21 months on purchases and qualifying balance transfers (within 120 days)
- Recommended credit: good (670+)
- Issuer: Wells Fargo
- Network: Visa
- Rates and fees verified: 2026-10-02
- Page updated: 2026-08-11
- Pros: 21 months on both purchases and transfers | Low-end 17.49% exit APR is decent | $0 annual fee
- Cons: 5% balance transfer fee (min $5) is the high end | Zero rewards

#### [Chase Freedom Rise](https://financeradar.com/credit-cards/chase-freedom-rise)

Chase's credit-builder: 1.5% back, no deposit, and a path into the ecosystem

- Annual fee: $0
- Rewards: 1.5% on everything, limited-time 3% on dining (first 6 months, capped)
- Welcome bonus: $25 statement credit for enrolling in autopay within 3 months
- Recommended credit: limited/no credit history
- Issuer: Chase
- Network: Visa
- Rates and fees verified: 2026-10-05
- Page updated: 2026-08-11
- Pros: Real rewards for credit newcomers | Graduates into the Chase ecosystem | No deposit required
- Cons: Tiny welcome bonus | Low starting credit limits are typical

#### [American Express Platinum Card](https://financeradar.com/credit-cards/amex-platinum)

$895 luxury membership: unmatched lounges and $3,500+ in scattered credits

- Annual fee: $895
- Rewards: 5x flights direct or via Amex Travel (capped), 5x prepaid Amex Travel hotels, 1x other
- Welcome bonus: As high as 175,000 points after $12,000 in 6 months (personalized)
- Regular APR: 19.49%-28.49% variable (Pay Over Time)
- Recommended credit: excellent (740+)
- Issuer: American Express
- Network: American Express
- Rates and fees verified: 2026-07-23
- Page updated: 2026-08-11
- Pros: Unbeatable lounge access | Enormous first-year value if the credits map to your life | 5x on flights direct or via Amex Travel, 5x prepaid Amex Travel hotels
- Cons: $895 fee with the most fragmented coupon book in the industry | Weak everyday earn rates

#### [Citi Strata Elite](https://financeradar.com/credit-cards/citi-strata-elite)

Citi's $595 premium play: Priority Pass, hotel status and a 75k-point bonus

- Annual fee: $595
- Rewards: Headline 12x CitiTravel hotels/cars, 6x air; multipliers across travel, dining, groceries
- Welcome bonus: 75,000 ThankYou points after $6,000 in 3 months
- Recommended credit: excellent (740+)
- Issuer: Citi
- Network: Mastercard (World Elite)
- Rates and fees verified: 2026-07-23
- Page updated: 2026-08-11
- Pros: Undercuts the Sapphire Reserve and Platinum by $200-$300 | Real hotel status included | 75,000-point bonus covers the first year's $595 fee
- Cons: Young product with a thinner lounge footprint | Credits skew toward Citigold customers

#### [Bank of America Travel Rewards](https://financeradar.com/credit-cards/bank-of-america-travel-rewards)

1.5x on everything and a $250 bonus, with zero travel redemption rules

- Annual fee: $0
- Rewards: 1.5x on everything, 3x via BofA Travel Center; points erase travel at 1 cent
- Welcome bonus: 25,000 points after $1,000 in 90 days ($250 toward travel)
- Regular APR: 17.49%-27.49% variable
- Intro APR: 0% for 15 billing cycles (purchases + BT in first 60 days)
- Recommended credit: good (670+)
- Issuer: Bank of America
- Network: Visa (Signature)
- Rates and fees verified: 2026-07-23
- Page updated: 2026-08-11
- Pros: Simplest possible travel card | $250 bonus for $1,000 spend is strong | No annual fee and no foreign transaction fee
- Cons: No transfer partners | Fixed-value points cap the upside

#### [Bilt Blue Card](https://financeradar.com/credit-cards/bilt-blue)

The only card earning points on rent and mortgage, now tied to card spend

- Annual fee: $0
- Rewards: Up to 1.25x rent and mortgage (scaled by card spend), 1x everyday, optional 4% Bilt Cash mode
- Welcome bonus: $100 in Bilt Cash on approval
- Regular APR: 26.74%-34.74% variable
- Intro APR: 10% intro APR on purchases for 12 billing cycles
- Recommended credit: good (670+)
- Issuer: Bilt (issued by Column N.A., serviced by Cardless)
- Network: Mastercard
- Rates and fees verified: 2026-10-05
- Page updated: 2026-08-11
- Pros: Unique housing-payment earn | Elite transfer partners for a free card | $100 in Bilt Cash bonus on approval
- Cons: Brutal 34.74% top APR | Housing earn rate now conditional on card spend, worse than the old flat 1x version

#### [Chase Sapphire Reserve](https://financeradar.com/credit-cards/chase-sapphire-reserve)

$795 annual fee, 100,000 points after $6,000 in 3 months, 8x on Chase Travel.

- Annual fee: $795
- Rewards: 8x Chase Travel, 4x flights and hotels booked direct, 3x dining, 1x other
- Welcome bonus: 100,000 points after $6,000 in 3 months
- Regular APR: 19.49%-27.99% variable
- Recommended credit: excellent (740+)
- Issuer: Chase
- Network: Visa
- Rates and fees verified: 2026-10-03
- Page updated: 2026-09-07
- Pros: Over $2,700 in theoretical annual credits | Strongest lounge access story at Chase | 4x on direct flight and hotel bookings
- Cons: $795 fee only pencils if you use fragmented semiannual credits | Heavy couponization | Portal-centric earning

#### [American Express Business Platinum Card](https://financeradar.com/credit-cards/amex-business-platinum)

Record 300k-point offers and full Platinum lounges for founders, at $895

- Annual fee: $895
- Rewards: 5x flights and prepaid hotels via Amex Travel, 1.5x eligible large/category purchases (capped), 1x other
- Welcome bonus: As high as 300,000 points after $20,000 in 3 months (personalized, record offer)
- Recommended credit: excellent (740+)
- Issuer: American Express
- Network: American Express
- Rates and fees verified: 2026-07-23
- Page updated: 2026-08-11
- Pros: 300k points is a record offer | Lounge access for founders who fly | 1.5x on eligible large purchases and select business categories
- Cons: $895 fee, not waived | Credit maze even denser than the consumer Platinum | $20,000 bonus spend gate

#### [Apple Card](https://financeradar.com/credit-cards/apple-card)

Zero fees of any kind and instant Daily Cash, best inside the Apple wallet

- Annual fee: $0
- Rewards: 3% Apple and select Apple Pay merchants, 2% all Apple Pay, 1% physical card
- Welcome bonus: None standing (periodic targeted offers)
- Regular APR: 17.49%-27.74% variable
- Recommended credit: good (670+)
- Issuer: Goldman Sachs (transitioning to Chase)
- Network: Mastercard
- Rates and fees verified: 2026-10-06
- Page updated: 2026-08-11
- Pros: Frictionless for iPhone users | Genuinely zero fees | Daily Cash lands the day after purchase, not at statement close
- Cons: 1% on the physical card is poor | Rewards trapped in the Apple ecosystem | Issuer transition uncertainty

#### [Capital One Platinum Secured](https://financeradar.com/credit-cards/capital-one-platinum-secured)

Rebuild credit from a $49 deposit with no annual fee

- Annual fee: $0
- Rewards: None
- Welcome bonus: None
- Recommended credit: rebuilding/no credit
- Issuer: Capital One
- Network: Mastercard
- Rates and fees verified: 2026-10-01
- Page updated: 2026-08-11
- Pros: Lowest cash barrier of any major secured card | No annual fee | Deposit is refundable when you close in good standing or upgrade
- Cons: No rewards | Punishing APR if you revolve

#### [Capital One VentureOne Rewards](https://financeradar.com/credit-cards/capital-one-ventureone)

Free entry to Capital One miles at 1.25x, with the same transfer partners

- Annual fee: $0
- Rewards: 1.25x on everything, 5x hotels/vacation rentals/rental cars via Capital One Travel
- Welcome bonus: 20,000 miles after $500 in 3 months
- Intro APR: 0% intro on purchases and balance transfers commonly offered (duration varies by version)
- Recommended credit: good (670+)
- Issuer: Capital One
- Network: Visa
- Rates and fees verified: 2026-10-07
- Page updated: 2026-08-11
- Pros: Transferable miles at no cost | Tiny bonus hurdle | No foreign transaction fee
- Cons: 1.25x base is weak | A better card exists $95 up-stack

#### [Aeroplan Credit Card](https://financeradar.com/credit-cards/chase-aeroplan)

Chase's Air Canada card: free first checked bags, Aeroplan 25K status, and 3x on groceries and dining for $95 a year.

- Annual fee: $95
- Rewards: 3x on groceries, dining, and Air Canada purchases, 1x on everything else, plus 500 bonus points per $2,000 spent each month (up to 1,500 monthly)
- Welcome bonus: 75,000 points after $4,000 in purchases in the first 3 months, plus 25,000 more after $20,000 in the first 12 months (as of August 4, 2026)
- Regular APR: 19.74% to 28.24% variable
- Recommended credit: Good to excellent
- Issuer: Chase
- Network: Mastercard (World Elite)
- Rates and fees verified: 2026-08-11
- Page updated: 2026-10-06
- Pros: Free first checked bag on Air Canada for you and up to 8 companions per booking | 75,000 point bonus after $4,000 in 3 months, up to 100,000 with $20,000 in year one | Aeroplan 25K status (Star Alliance Silver) included, kept with $15,000 annual spend
- Cons: Only 1x earning outside groceries, dining, and Air Canada purchases | Bag and status perks are worthless if you rarely fly Air Canada | Full 100,000 point bonus requires $20,000 spend in the first 12 months

#### [Citi / AAdvantage Platinum Select World Elite Mastercard](https://financeradar.com/credit-cards/citi-aadvantage-platinum-select)

American Airlines flyers get 80,000 bonus miles, free checked bags, and preferred boarding for a $99 fee waived the first year.

- Annual fee: $99
- Rewards: 2x miles on eligible American Airlines purchases, at gas stations, and at restaurants including takeout; 1x on everything else; spending earns Loyalty Points toward AAdvantage elite status
- Welcome bonus: 80,000 AAdvantage miles after $3,500 in purchases in the first 4 months (elevated offer as of August 2026; the standard offer has been 50,000)
- Regular APR: 19.49% to 29.49% variable
- Intro APR: None
- Recommended credit: Good to excellent
- Issuer: Citi
- Network: Mastercard
- Rates and fees verified: 2026-08-11
- Page updated: 2026-10-07
- Pros: 80,000-mile bonus after $3,500 spend in 4 months, up from the usual 50,000 | First checked bag free on domestic AA flights for you and up to 4 companions | $0 annual fee year one and no foreign transaction fees
- Cons: $99 annual fee from year two whether or not you use the perks | No intro APR; 19.49% to 29.49% variable from day one | Free bag benefit is domestic only; 48-month rule blocks repeat bonuses

#### [Citi Diamond Preferred Card](https://financeradar.com/credit-cards/citi-diamond-preferred)

A no-annual-fee balance transfer card with 21 months of 0% APR, one of the longest interest-free windows from a major issuer.

- Annual fee: $0
- Rewards: No rewards program; the card is built for balance transfers, with perks limited to Citi Entertainment access and a free FICO score
- Welcome bonus: None
- Regular APR: 16.49% to 27.24% variable
- Intro APR: 0% for 21 months on balance transfers (transfers must be completed within 4 months of opening); 0% for 12 months on purchases
- Recommended credit: Good to excellent
- Issuer: Citi
- Network: Mastercard
- Rates and fees verified: 2026-08-11
- Page updated: 2026-10-07
- Pros: 0% intro APR on balance transfers for 21 months, then 16.49% to 27.24% variable | Intro 3% transfer fee (minimum $5) undercuts the 5% many issuers charge | No annual fee, plus 0% on purchases for 12 months
- Cons: Earns no rewards at all, dead weight once the intro periods end | 3% foreign transaction fee | Transfers must post within 4 months; the 21-month clock starts at account opening

#### [Delta SkyMiles Gold American Express Card](https://financeradar.com/credit-cards/amex-delta-skymiles-gold)

First checked bag free on Delta plus 2x miles on dining and US supermarkets, with the $150 fee waived your first year.

- Annual fee: $150
- Rewards: 2x miles on Delta purchases, at restaurants worldwide (plus US takeout and delivery), and at US supermarkets; 1x on everything else
- Welcome bonus: As high as 80,000 bonus miles after $2,000 in purchases in the first 6 months (offer varies by applicant; as of Aug 2026)
- Regular APR: 19.49%-28.49% variable
- Intro APR: None
- Recommended credit: Good to Excellent (670+)
- Issuer: American Express
- Network: American Express
- Rates and fees verified: 2026-10-04
- Page updated: 2026-10-04
- Pros: First checked bag free worldwide on Delta, plus a free second bag on domestic flights | $0 intro annual fee the first year, then $150 | Welcome offer as high as 80,000 miles after $2,000 spend in 6 months
- Cons: $200 flight credit needs $10,000 annual spend and pays out only as Delta credit | $120 rideshare credit starts only after your first renewal, in $10 monthly chunks | No lounge access, and SkyMiles award pricing is dynamic with no fixed chart

#### [Delta SkyMiles Platinum American Express Card](https://financeradar.com/credit-cards/amex-delta-skymiles-platinum)

A $350 Delta card whose annual Main Cabin companion certificate can cover the fee, but only if you redeem it every year.

- Annual fee: $350
- Rewards: 3x miles on Delta purchases and hotels; 2x at restaurants worldwide (plus US takeout and delivery) and US supermarkets; 1x elsewhere
- Welcome bonus: As high as 90,000 bonus miles after $3,000 in purchases in the first 6 months (offer varies by applicant; as of Aug 2026)
- Regular APR: 19.49%-28.49% variable
- Intro APR: None
- Recommended credit: Good to Excellent (670+)
- Issuer: American Express
- Network: American Express
- Rates and fees verified: 2026-10-01
- Page updated: 2026-10-01
- Pros: Annual Main Cabin companion certificate can offset the $350 fee by itself | Up to $390 a year in Delta Stays, Resy, and rideshare credits | $2,500 MQD Headstart plus $1 MQD per $20 spent helps toward Medallion status
- Cons: Certificate is Main Cabin only, US/Mexico/Caribbean/Central America, plus $22-$250 taxes | Resy and rideshare credits drip at $10 a month and require enrollment | No Sky Club access; that requires the $650 Reserve

#### [Delta SkyMiles Reserve American Express Card](https://financeradar.com/credit-cards/amex-delta-skymiles-reserve)

Delta's $650 flagship buys 15 Sky Club visits a year, a premium-cabin companion certificate, and weak earning off Delta.

- Annual fee: $650
- Rewards: 3x miles on Delta purchases; 1x on everything else
- Welcome bonus: As high as 100,000 bonus miles after $5,000 in purchases in the first 6 months (offer varies by applicant; as of Aug 2026)
- Regular APR: 19.49%-28.49% variable
- Intro APR: None
- Recommended credit: Good to Excellent (670+)
- Issuer: American Express
- Network: American Express
- Rates and fees verified: 2026-10-01
- Page updated: 2026-10-01
- Pros: 15 Delta Sky Club visits per year, unlimited after $75,000 annual card spend | Companion certificate valid up to First Class for $22 to $250 in taxes | Up to $560 a year in Resy, rideshare, and Delta Stays credits
- Cons: $650 annual fee with just 1x miles on everything outside Delta | Sky Club visits capped at 15 unless you spend $75,000 a year on the card | Most credits pay out in monthly increments you must remember to use

#### [Discover it Chrome](https://financeradar.com/credit-cards/discover-it-chrome)

A no-annual-fee card earning 2% at gas stations and restaurants, doubled in year one by Discover's Cashback Match.

- Annual fee: $0
- Rewards: 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases per quarter (then 1%), 1% on everything else; Cashback Match doubles all cash back earned in the first year
- Welcome bonus: Cashback Match: all cash back earned in the first year is doubled automatically, with no cap
- Regular APR: 17.49% to 26.49% variable
- Intro APR: 0% for 6 months on purchases; 0% for 18 months on balance transfers (3% intro transfer fee)
- Recommended credit: Good to excellent
- Issuer: Discover
- Network: Discover
- Rates and fees verified: 2026-08-11
- Page updated: 2026-10-07
- Pros: 2% at gas stations and restaurants with no activation, up to $1,000 per quarter | Cashback Match doubles all first-year earnings, effectively 4% on gas and dining | 0% intro APR on balance transfers for 18 months, rare on a rewards card
- Cons: Bonus categories cap at $1,000 combined per quarter, about $80 a year extra | 1% base rate trails no-fee 2% flat-rate cards | Discover acceptance abroad is far thinner than Visa or Mastercard

#### [Hilton Honors American Express Aspire Card](https://financeradar.com/credit-cards/amex-hilton-honors-aspire)

Hilton's top card pairs Diamond status, an annual free night, and nearly $800 in yearly credits with a $550 annual fee.

- Annual fee: $550
- Rewards: 14x at Hilton portfolio hotels, 7x on flights booked direct or via Amex Travel, car rentals, and US restaurants, 3x on everything else
- Welcome bonus: 150,000 Hilton Honors points after $6,000 in purchases in the first 6 months (as of August 2026)
- Regular APR: 19.49% to 28.49% variable
- Recommended credit: Good to excellent
- Issuer: American Express
- Network: American Express
- Rates and fees verified: 2026-10-05
- Page updated: 2026-10-05
- Pros: Automatic Hilton Diamond status, the program's top tier, just for holding the card | Annual Free Night Reward valid at nearly any Hilton, plus more at $30k and $60k spend | Nearly $800 in yearly credits: $400 resort, $200 airline, $189 CLEAR Plus
- Cons: $550 fee, not waived first year, and the credits are heavily fenced | Resort credit pays out $200 per half-year and only at participating Hilton resorts | Flight credit drips at $50 per quarter; unused portions of every credit expire

#### [Hilton Honors American Express Card](https://financeradar.com/credit-cards/amex-hilton-honors)

No-annual-fee Hilton card earning 7x at Hilton stays and 5x at US supermarkets, restaurants, and gas, with Silver status.

- Annual fee: $0
- Rewards: 7x at Hilton portfolio hotels, 5x at US restaurants, US supermarkets, and US gas stations, 3x on everything else
- Welcome bonus: 80,000 Hilton Honors points after $2,000 in purchases in the first 6 months (as of August 2026)
- Regular APR: 19.49% to 28.49% variable
- Recommended credit: Good to excellent
- Issuer: American Express
- Network: American Express
- Rates and fees verified: 2026-10-05
- Page updated: 2026-10-05
- Pros: 80,000 point welcome offer after $2,000 spend in 6 months, with no annual fee | 5x at US restaurants, supermarkets, and gas stations, unusual for a no-fee hotel card | No foreign transaction fees plus automatic Hilton Silver status
- Cons: Hilton points are low value, roughly half a cent each, so multipliers flatter | No annual free night certificate at this tier | 5x bonus categories apply to US merchants only; Gold upgrade needs $20,000 annual spend

#### [Hilton Honors American Express Surpass Card](https://financeradar.com/credit-cards/amex-hilton-honors-surpass)

Mid-tier Hilton Amex: Gold status, up to $200 in yearly Hilton credits, and a free night after $15,000 spend, for $150 a year.

- Annual fee: $150
- Rewards: 12x at Hilton portfolio hotels, 6x at US restaurants, US supermarkets, and US gas stations, 4x on US online retail, 3x on everything else
- Welcome bonus: 130,000 Hilton Honors points after $3,000 in purchases in the first 6 months (as of August 2026)
- Regular APR: 19.49% to 28.49% variable
- Recommended credit: Good to excellent
- Issuer: American Express
- Network: American Express
- Rates and fees verified: 2026-10-04
- Page updated: 2026-10-04
- Pros: Up to $200 in yearly Hilton credits ($50 per quarter) can more than offset the $150 fee | Complimentary Gold status with food and beverage credits at many Hilton brands | 130,000 point welcome offer plus a free night reward after $15,000 annual spend
- Cons: Quarterly $50 credits expire if unused and only apply to direct Hilton purchases | Hilton points run about half a cent each, so 130k is worth roughly $650 | Free night requires $15,000 calendar-year spend; Diamond requires $40,000

#### [IHG One Rewards Premier Credit Card](https://financeradar.com/credit-cards/chase-ihg-one-rewards-premier)

IHG's $99 Premier card: Platinum Elite status, an anniversary night worth up to 40,000 points, and a fourth award night free.

- Annual fee: $99
- Rewards: 10x at IHG hotels from the card (more with membership and status), 5x on travel, dining, and gas, 3x on everything else
- Welcome bonus: 140,000 bonus points after $3,000 in purchases in the first 3 months, plus 10,000 points for adding an authorized user (as of August 2026)
- Regular APR: 19.24% to 29.99% variable
- Recommended credit: Good to excellent
- Issuer: Chase
- Network: Visa
- Rates and fees verified: 2026-08-11
- Page updated: 2026-10-06
- Pros: Anniversary free night up to 40,000 points usually beats the $99 fee alone | Fourth award night free: an effective 25 percent discount on 4-night points stays | 140,000 point welcome offer plus automatic Platinum Elite status
- Cons: IHG points are worth roughly half a cent each, deflating the big headline numbers | 40,000 point cap on the anniversary night excludes most premium IHG properties | $99 fee not waived first year; Chase 5/24 rule applies

#### [Marriott Bonvoy Boundless Credit Card](https://financeradar.com/credit-cards/chase-marriott-bonvoy-boundless)

Chase's $95 Marriott card earns an annual 35,000 point free night, Silver status, and 15 elite night credits every year.

- Annual fee: $95
- Rewards: 6x at Marriott Bonvoy hotels, 3x on first $6,000 per year combined at grocery stores, gas stations, and dining, 2x on everything else
- Welcome bonus: 4 Free Night Awards (each valued up to 50,000 points) after $3,000 in purchases in the first 3 months, plus up to $100 in airline statement credits through 6/30/2027
- Regular APR: 19.24% to 29.99% variable
- Recommended credit: Good to excellent
- Issuer: Chase
- Network: Visa
- Rates and fees verified: 2026-10-04
- Page updated: 2026-10-04
- Pros: Annual Free Night Award up to 35,000 points typically outvalues the $95 fee | Welcome offer: 4 free nights up to 50,000 points each after $3,000 in 3 months | 15 Elite Night Credits every calendar year plus automatic Silver Elite status
- Cons: Anniversary night capped at 35,000 points, shutting out premium properties | 3x everyday categories capped at $6,000 combined spend per year | Marriott points are low value, so 2x base earning is weak for non-Marriott spend

#### [Marriott Bonvoy Brilliant American Express Card](https://financeradar.com/credit-cards/amex-marriott-bonvoy-brilliant)

Marriott's premium Amex: Platinum Elite status, $300 in dining credits, and an 85,000 point free night for $650 a year.

- Annual fee: $650
- Rewards: 6x at Marriott Bonvoy hotels (up to 21x total with membership and status), 3x at restaurants worldwide and flights booked direct, 2x on everything else
- Welcome bonus: 150,000 Marriott Bonvoy points plus a $250 statement credit after $6,000 in purchases in the first 6 months; offer ends 09/30/2026
- Regular APR: 19.49% to 28.49% variable
- Recommended credit: Good to excellent
- Issuer: American Express
- Network: American Express
- Rates and fees verified: 2026-10-03
- Page updated: 2026-10-03
- Pros: Automatic Platinum Elite status: breakfast, lounge access, and 4 p.m. late checkout | Annual Free Night Award worth up to 85,000 points, enough for many luxury properties | 150,000 points plus $250 statement credit welcome offer through 9/30/2026
- Cons: $650 annual fee, and the $300 dining credit drips at $25 per month | Marriott's dynamic award pricing can gut the value of points and the free night | Ritz/St. Regis $100 credit requires 2+ night paid stays on a specific rate

#### [Southwest Rapid Rewards Plus Credit Card](https://financeradar.com/credit-cards/chase-southwest-rapid-rewards-plus)

Southwest's $99 entry card now earns its keep with a free first checked bag and 3,000 anniversary points.

- Annual fee: $99
- Rewards: 2x points on Southwest purchases; 2x at gas stations and grocery stores (first $5,000 combined per anniversary year); 1x elsewhere
- Welcome bonus: 50,000 points after $1,000 in purchases in the first 3 months (as of Aug 2026)
- Regular APR: 19.24%-27.74% variable
- Intro APR: None
- Recommended credit: Good to Excellent (670+)
- Issuer: Chase
- Network: Visa
- Rates and fees verified: 2026-10-03
- Page updated: 2026-10-03
- Pros: First checked bag free for you and up to 8 others on the same reservation | 3,000 anniversary points plus a 10% off flight promo code each year | 50,000-point bonus after just $1,000 spend in 3 months
- Cons: Annual fee jumped from $69 to $99 in the 2025 refresh | Gas and grocery 2x capped at $5,000 combined spend per anniversary year | Seat selection is standard seats only, within 48 hours of departure

#### [Southwest Rapid Rewards Priority Credit Card](https://financeradar.com/credit-cards/chase-southwest-rapid-rewards-priority)

Southwest's $229 top consumer card trades the old $75 credit for seat selection at booking and 4x points on Southwest.

- Annual fee: $229
- Rewards: 4x points on Southwest purchases; 2x at gas stations and restaurants; 1x elsewhere
- Welcome bonus: 60,000 points after $2,000 in purchases in the first 3 months (as of Aug 2026)
- Regular APR: 19.24%-27.74% variable
- Intro APR: None
- Recommended credit: Good to Excellent (670+)
- Issuer: Chase
- Network: Visa
- Rates and fees verified: 2026-10-04
- Page updated: 2026-10-04
- Pros: 4x points on Southwest purchases and 7,500 anniversary points every year | Preferred or standard seat selection at booking for up to 9 travelers | 2,500 A-List qualifying points per $5,000 spent speeds up status
- Cons: The $75 annual Southwest travel credit was eliminated after December 31, 2025 | Annual fee rose from $149 to $229 in the 2025 refresh | Extra Legroom upgrades only open within 48 hours of departure, when available

#### [United Explorer Card](https://financeradar.com/credit-cards/chase-united-explorer)

United's $150 mid-tier card covers a free first checked bag, two United Club passes a year, and 3x miles on United.

- Annual fee: $150
- Rewards: 3x card miles on United purchases (9x total on United flights including 6x MileagePlus member fare miles); 2x on dining and direct hotel bookings; 1x elsewhere
- Welcome bonus: 50,000 miles after $3,000 in 3 months, plus 10,000 for adding an authorized user in the first 3 months (up to 60,000; as of Aug 2026)
- Regular APR: 19.74%-28.24% variable
- Intro APR: None
- Recommended credit: Good to Excellent (670+)
- Issuer: Chase
- Network: Visa
- Rates and fees verified: 2026-10-02
- Page updated: 2026-10-02
- Pros: Free first checked bag for you and a companion, up to $200 value per round trip | Two United Club one-time passes each year, over $100 in value | 3x card miles on United purchases and a $0 intro annual fee the first year
- Cons: Annual fee rose to $150 in the 2025 refresh | Hotel, rideshare, and Instacart credits come in small monthly or per-stay chunks | Bonus categories beyond United are thin: 2x only on dining and direct hotel bookings

#### [United Quest Card](https://financeradar.com/credit-cards/chase-united-quest)

A $350 United card that returns $200 in TravelBank cash yearly plus two free checked bags and a 10,000-mile award discount.

- Annual fee: $350
- Rewards: 4x card miles on United purchases (10x total on United flights including member fare miles); 5x on prepaid Renowned Hotels and Resorts stays; 2x on other travel, dining, and select streaming; 1x elsewhere
- Welcome bonus: 60,000 miles + 500 PQP after $4,000 in 3 months, plus 10,000 miles for adding an authorized user (up to 70,000; as of Aug 2026)
- Regular APR: 19.74%-28.24% variable
- Intro APR: None
- Recommended credit: Good to Excellent (670+)
- Issuer: Chase
- Network: Visa
- Rates and fees verified: 2026-10-02
- Page updated: 2026-10-02
- Pros: $200 in United TravelBank cash at account opening and every anniversary | First and second checked bags free, up to $50 and $60 per bag each way | 10,000-mile award discount yearly, plus another after $20,000 calendar spend
- Cons: $350 annual fee only pencils out if you fly United and spend the TravelBank credit | No lounge access at this price tier | Hotel, rideshare, JSX, and Instacart credits arrive in small monthly pieces

#### [World of Hyatt Credit Card](https://financeradar.com/credit-cards/chase-world-of-hyatt)

The $95 World of Hyatt Card returns an annual Category 1-4 free night plus 5 elite night credits toward Hyatt status.

- Annual fee: $95
- Rewards: 4x at Hyatt hotels (up to 9x total with membership), 2x on dining, airline tickets bought direct, and local transit, 1x on everything else
- Welcome bonus: Up to 75,000 points: 45,000 after $5,000 in 3 months, plus up to 30,000 more via 2 bonus points per $1 on up to $15,000 spent in the first 6 months (as of August 2026, flagged as ending soon)
- Regular APR: 19.24% to 29.99% variable
- Recommended credit: Good to excellent
- Issuer: Chase
- Network: Visa
- Rates and fees verified: 2026-10-05
- Page updated: 2026-10-05
- Pros: Annual Category 1-4 free night regularly worth $200 to $300 against a $95 fee | Hyatt points are the strongest hotel currency, estimated at 1.5 to 2 cents each | 5 elite night credits yearly plus a second free night after $15,000 spend
- Cons: Hyatt's footprint is far smaller than Marriott's or Hilton's, especially outside cities | 1x base earning outside bonus categories is weak for everyday spending | 24-month rule on prior Hyatt cards and Chase 5/24 restrict eligibility

### Savings accounts (49)

#### [EverBank Performance Savings](https://financeradar.com/savings/everbank-performance-savings)

3.90% APY uncapped with a pledge to stay in the top 5% of competitors

- APY: 3.9%
- APY note: Advertised APY is for new accounts and may not apply to existing ones, per EverBank's own disclosure
- Minimum deposit: None
- Monthly fee: None
- FDIC: Direct, Member FDIC, $250k
- Institution: EverBank, N.A. (formerly TIAA Bank)
- ATM access: Yes
- Rates and fees verified: 2026-09-27
- Page updated: 2026-10-04
- Pros: Among the best uncapped no-strings rates from a real full-service bank | Rate-competitiveness pledge | ATM card available with the optional checking account
- Cons: Advertised APY is for new accounts and may not apply to existing ones, per their own disclosure | TIAA-to-EverBank rebrand confuses some savers | The 4.15% 90-day guarantee version requires going through Raisin, a third-party platform

#### [Wealthfront Cash Account](https://financeradar.com/savings/wealthfront-cash-account)

3.30% APY uncapped with instant withdrawals and up to $8M FDIC sweep coverage

- APY: 3.3%
- APY note: +0.65% new-client boost for 3 months on up to $150k; +0.25% permanent with $1k+/mo direct deposit and funded investing account; stacks to advertised up to 4.20%
- Minimum deposit: $1
- Monthly fee: None
- FDIC: Pass-through via program banks, up to $8M individual / $16M joint (brokerage sweep across 30+ partner banks)
- Institution: Wealthfront Brokerage (deposits swept to partner banks)
- ATM access: Yes
- Rates and fees verified: 2026-07-23
- Page updated: 2026-10-01
- Pros: Massive insurance coverage | Best transfer speed in category | Uncapped base rate with no hoops
- Cons: Not itself a bank; sweep-dependent with cash-in-transit nuances | Top headline rate requires boosts | No physical presence

#### [Marcus Online Savings](https://financeradar.com/savings/marcus-online-savings)

3.40% APY with no minimums and same-day transfers from Goldman Sachs.

- APY: 3.4%
- Minimum deposit: None
- Monthly fee: None
- FDIC: Direct, Member FDIC, $250k
- Institution: Goldman Sachs Bank USA
- ATM access: No
- Rates and fees verified: 2026-09-03
- Page updated: 2026-09-07
- Pros: Clean UX | Strong transfer speed | Consistent top-half rate
- Cons: No ATM card or checking | Rate now well below leaders | No cash deposits

#### [Forbright Growth Savings](https://financeradar.com/savings/forbright-growth-savings)

3.85% APY as of September 6, 2026, with no fees and no minimums

- APY: 3.85%
- APY note: 3.85% APY accurate as of September 6, 2026 per Forbright. The 4.15% promo and $1,000 floor are no longer on the live page.
- Minimum deposit: None
- Monthly fee: None
- FDIC: Direct, Member FDIC, $250k
- Institution: Forbright Bank
- ATM access: No
- Rates and fees verified: 2026-09-07
- Page updated: 2026-09-07
- Pros: Clean 3.85% with no fee, no minimum, and no promo asterisk on the live page | Conventional bank charter, not a fintech pass-through | Daily compounding
- Cons: No longer a rate leader; 3.85% sits below Pibank's confirmed 4.10% | Savings-only shop | Smaller bank brand recognition

#### [Openbank High Yield Savings](https://financeradar.com/savings/openbank-high-yield-savings)

3.80% APY from Santander's digital arm, $500 minimum to open

- APY: 3.8%
- Minimum deposit: $500
- Monthly fee: None
- FDIC: Via Santander Bank charter, $250k (aggregate with Santander deposits)
- Institution: Openbank by Santander (division of Santander Bank, N.A.)
- ATM access: No
- Rates and fees verified: 2026-09-19
- Page updated: 2026-10-07
- Pros: Strong rate from a global systemically important bank | Good app | Slick onboarding and fast ACH transfers
- Cons: $500 minimum to open | Thin product lineup: savings plus CDs only | Rate already down from 4.20% in January

#### [Pibank Savings](https://financeradar.com/savings/pibank-savings)

4.10% APY with zero minimums and no hoops, backed by a Miami FDIC charter

- APY: 4.1%
- APY note: Official page body confirms 4.10% APY as of September 7, 2026 (disclosure dated July 2, 2026). HTML title still says 4.40%.
- Minimum deposit: None
- Monthly fee: None
- FDIC: Via Intercredit Bank charter, $250k
- Institution: Pibank (division of Intercredit Bank, N.A., Miami)
- ATM access: No
- Rates and fees verified: 2026-09-28
- Page updated: 2026-09-07
- Pros: Highest no-minimum APY we verified against an issuer page in this catalog | Zero minimums and no monthly fee | No deposit habit or promo expiry on the live disclosure
- Cons: Tiny brand and app-only support | Page title still indexes 4.40% while the body discloses 4.10% | Biometric verification can deny an application with no retry

#### [Ally Online Savings](https://financeradar.com/savings/ally-online-savings)

3.00% APY with best-in-class savings automation from a full-service digital bank

- APY: 3%
- Minimum deposit: None
- Monthly fee: None
- FDIC: Direct, Member FDIC, $250k
- Institution: Ally Bank
- ATM access: Yes
- Rates and fees verified: 2026-09-22
- Page updated: 2026-10-04
- Pros: Best savings-automation tooling in the category | True full-service digital bank | No fees or minimums
- Cons: 3.00% trails leaders by more than 100bps | No cash deposits | ATM access requires the linked checking account

#### [Betterment Cash Reserve](https://financeradar.com/savings/betterment-cash-reserve)

3.25% APY with a 0.75% new-customer boost and multi-million FDIC sweep

- APY: 3.25%
- APY note: +0.75% new-customer boost on up to $1M with qualifying deposit, advertised through 1/15/27; confirm terms at signup
- Minimum deposit: $10
- Monthly fee: None
- FDIC: Pass-through via program banks; advertised up to $4M individual / $8M joint (verify exact current figure)
- Institution: Betterment (deposits swept to program banks)
- ATM access: No
- Rates and fees verified: 2026-08-25
- Page updated: 2026-10-02
- Pros: High aggregate FDIC via sweep | Strong goals UX | No monthly fee and just $10 to open
- Cons: Base rate trails Wealthfront | No instant withdrawals | ATM access only via separate checking product

#### [Zynlo Money Market](https://financeradar.com/savings/zynlo-money-market)

3.90% APY money market with unlimited withdrawals and no minimums

- APY: 3.9%
- Minimum deposit: None
- Monthly fee: None
- FDIC: Via PeoplesBank charter, $250k
- Institution: ZYNLO Bank (division of PeoplesBank, MA)
- ATM access: Yes
- Rates and fees verified: 2026-10-02
- Page updated: 2026-10-02
- Pros: MMA flexibility at HYSA-leader pricing | No fees | Unlimited withdrawals
- Cons: Small digital brand | Best features require the checking pairing | Debit access only via the companion checking account

#### [Barclays Tiered Savings](https://financeradar.com/savings/barclays-tiered-savings)

3.50% APY, rising to 3.65% on balances of $250k to $1M

- APY: 3.5%
- APY note: 3.65% APY on $250k to $1M; tier rate applies to the entire balance. The 3.65% tier exceeds FDIC coverage for a single depositor.
- Minimum deposit: None
- Monthly fee: None
- FDIC: Direct, Member FDIC, $250k (the 3.65% tier exceeds FDIC coverage for a single depositor)
- Institution: Barclays Bank Delaware
- ATM access: No
- Rates and fees verified: 2026-07-23
- Page updated: 2026-10-02
- Pros: Strongest major-bank rate for large balances | Active cash bonus | Whole-balance tier pricing rewards big balances
- Cons: Barebones product: no ATM, checking, or buckets | Big-balance tier tops out above the FDIC limit | Bonus requires a $25k deposit held 120 days

#### [LendingClub LevelUp Savings](https://financeradar.com/savings/lendingclub-levelup-savings)

4.00% APY uncapped in any month you deposit $250 or more

- APY: 4%
- APY note: LevelUp rate in months you deposit $250+; 3.00% otherwise. Behavior-gated, not balance-gated.
- Minimum deposit: None
- Monthly fee: None
- FDIC: Direct, Member FDIC, $250k
- Institution: LendingClub Bank, N.A.
- ATM access: Yes
- Rates and fees verified: 2026-09-18
- Page updated: 2026-10-06
- Pros: 4.00% uncapped for anyone auto-saving $250/mo | ATM access | Checking available alongside
- Cons: Forgetting one month costs you 100bps | Rate mechanics confuse casual savers | Transfers run over 1-2 day ACH, not instant

#### [American Express High Yield Savings](https://financeradar.com/savings/american-express-high-yield-savings)

3.00% APY with zero fees or minimums from American Express National Bank

- APY: 3%
- Minimum deposit: None
- Monthly fee: None
- FDIC: Direct, Member FDIC, $250k
- Institution: American Express National Bank
- ATM access: No
- Rates and fees verified: 2026-10-03
- Page updated: 2026-10-03
- Pros: Trusted brand | Zero fees or minimums anywhere | 24/7 US-based support
- Cons: Rate is mid-pack | Savings-only, no checking or ATM | Transfers not instant

#### [SoFi Checking & Savings](https://financeradar.com/savings/sofi-checking-savings)

3.10% APY savings with direct deposit, up to 3.80% boosted, inside a super app

- APY: 3.1%
- APY note: Requires qualifying direct deposit; up to 3.80% with 0.70% new-member boost for 6 months (enroll by 12/31/26); roughly 1% without direct deposit; checking pays 0.50%
- Minimum deposit: None
- Monthly fee: None
- FDIC: SoFi Bank direct $250k, extendable to $2M+ via insured deposit program (verify current terms)
- Institution: SoFi Bank, N.A.
- ATM access: Yes
- Rates and fees verified: 2026-07-23
- Page updated: 2026-10-06
- Pros: Real one-stop bank | Big bonus stack for switchers | Excellent app with 55k+ free Allpoint ATMs
- Cons: Top APY demands direct deposit plus boost enrollment | Base non-DD rate is poor | Savings rate mid-pack after boost expires

#### [Vanguard Cash Plus](https://financeradar.com/savings/vanguard-cash-plus)

3.10% APY plus a 0.25% boost through September 2026 inside Vanguard

- APY: 3.1%
- APY note: +0.25% automatic boost through 9/30/26, roughly 3.35% effective
- Minimum deposit: None
- Monthly fee: None
- FDIC: Pass-through via program banks, up to $1.25M individual / $2.5M joint (Vanguard's advertised sweep limits; reconfirm)
- Institution: Vanguard Brokerage (bank sweep)
- ATM access: No
- Rates and fees verified: 2026-09-29
- Page updated: 2026-10-06
- Pros: Credible sweep insurance | Seamless with Vanguard investing | Money market fund optionality inside the account
- Cons: No card access at all | Base rate mediocre without the temporary boost | Transfers take 1-2 days

#### [Bask Interest Savings](https://financeradar.com/savings/bask-interest-savings)

3.75% APY base, stackable boosts to 4.10%, backed by Texas Capital Bank

- APY: 3.75%
- APY note: Up to 4.10% with stackable boosts: 0.10% new-customer boost (open by 7/31/26) plus 0.25% activity boost
- Minimum deposit: None
- Monthly fee: None
- FDIC: Via Texas Capital Bank charter, $250k
- Institution: Bask Bank (division of Texas Capital Bank)
- ATM access: No
- Rates and fees verified: 2026-09-20
- Page updated: 2026-10-02
- Pros: Boosted 4.10% is top-tier | Unique AA-miles alternative account | No minimums or monthly fees
- Cons: Base 3.75% is the real long-run rate | Boosts require action and expire | No cash access

#### [Capital One 360 Performance Savings](https://financeradar.com/savings/capital-one-360-performance-savings)

3.00% APY with real cash deposits via branches, cafes, and CVS

- APY: 3%
- Minimum deposit: None
- Monthly fee: None
- FDIC: Direct, Member FDIC, $250k
- Institution: Capital One, N.A.
- ATM access: Yes
- Rates and fees verified: 2026-10-01
- Page updated: 2026-10-01
- Pros: Only major HYSA with real cash-deposit access | Frequent cash bonuses | Instant internal transfers and 360 Checking pairing
- Cons: Headline rate mid-pack | History of the 360 Savings vs Performance Savings two-tier controversy ($425M settlement) | Trails the 4%+ rate leaders by more than a full point

#### [Elevault High-Yield Savings](https://financeradar.com/savings/elevault-high-yield-savings)

4.34% APY paid daily on up to $500,000, the highest uncapped rate around

- APY: 4.34%
- APY note: On balances up to $500,000; formulaic at Prime minus 2.50%, interest paid daily. $2,500 daily deposit limit.
- Minimum deposit: None
- Monthly fee: None
- FDIC: Pass-through to Southern Bancorp, $250k per depositor (single program bank, no extended coverage)
- Institution: Elevault (fintech; deposits via Southern Bancorp, Member FDIC)
- ATM access: No
- Rates and fees verified: 2026-10-05
- Page updated: 2026-10-05
- Pros: Chart-topping 4.34% | Rate moves mechanically, not at marketing's whim | Interest paid daily
- Cons: $2,500/day funding limit makes moving real money slow | Young fintech with thin track record | Single-bank FDIC only

#### [Fidelity Cash Management Account](https://financeradar.com/savings/fidelity-cash-management-account)

1.84% APY default sweep or 3.27-3.36% via SPAXX, with unlimited ATM rebates

- APY: 1.84%
- APY note: Default FDIC deposit sweep rate; alternatively hold SPAXX money market core, 7-day yield 3.27-3.36% (SIPC-covered, not FDIC)
- Minimum deposit: None
- Monthly fee: None
- FDIC: Sweep across program banks up to $5M aggregate (verify current program max); SPAXX is SIPC-covered, not FDIC
- Institution: Fidelity Brokerage Services
- ATM access: Yes
- Rates and fees verified: 2026-07-23
- Page updated: 2026-10-07
- Pros: Best all-around spending and access features of any CMA | SPAXX yield competitive | Unlimited worldwide ATM fee rebates
- Cons: Default FDIC sweep rate (1.84%) is poor | You must actively choose SPAXX | Money market core is not FDIC insured

#### [Synchrony High Yield Savings](https://financeradar.com/savings/synchrony-high-yield-savings)

3.30% APY with an optional ATM card, rare for a savings account

- APY: 3.3%
- APY note: Rate cut mid-July 2026; some trackers showed 3.50% in early July
- Minimum deposit: None
- Monthly fee: None
- FDIC: Direct, Member FDIC, $250k
- Institution: Synchrony Bank
- ATM access: Yes
- Rates and fees verified: 2026-10-02
- Page updated: 2026-10-02
- Pros: ATM access to savings | Long track record of competitive rates | No minimums anywhere
- Cons: App and UX dated vs Ally and Marcus | Rate drifting down | No checking companion

#### [Axos ONE](https://financeradar.com/savings/axos-one)

Up to 4.21% APY on up to $500k with monthly direct deposit qualification

- APY: 4.21%
- APY note: Promo rate on first $499,999.99 (4.01% above) in cycles with $1,500+ direct deposits and $1,500+ average daily balance (or $5k/$5k variant); lower unqualified rate otherwise
- Minimum deposit: None
- Monthly fee: None
- FDIC: Direct, Member FDIC, $250k
- Institution: Axos Bank
- ATM access: Yes
- Rates and fees verified: 2026-10-01
- Page updated: 2026-10-01
- Pros: 4.21% on serious balances | Genuine full bank | Large ATM fee-rebate network via checking
- Cons: Qualification gate resets monthly | Promotional rate wording | Axos's UFB history suggests watching for rate decay

#### [Poppy Bank Premier Online Savings](https://financeradar.com/savings/poppy-bank-premier-online-savings)

4.00% APY nationwide from a California community bank, $1,000 minimum

- APY: 4%
- APY note: Reviews cite 4.00-4.25% across July 2026; exact live rate unconfirmed
- Minimum deposit: $1,000
- Monthly fee: None
- FDIC: Direct, Member FDIC, $250k
- Institution: Poppy Bank (Santa Rosa, CA)
- ATM access: No
- Rates and fees verified: 2026-07-23
- Page updated: 2026-10-04
- Pros: High sustained rate | Real branches if you are in NorCal | No monthly fee
- Cons: $1,000 minimum | Clunky online experience vs fintechs | Rate reporting varies by source

#### [E*TRADE Premium Savings](https://financeradar.com/savings/etrade-premium-savings)

4.00% APY promo for 6 months on up to $10M, backed by Morgan Stanley

- APY: 4%
- APY note: Promo 4.00% APY for first 6 months on up to $10M for new accounts opened June 5 to September 30, 2026. E*TRADE's own page prints a 3.50% base rate after the promo.
- Minimum deposit: None
- Monthly fee: None
- FDIC: Sweep across program banks, up to $500k individual / $1M joint
- Institution: Morgan Stanley Private Bank, N.A.
- ATM access: No
- Rates and fees verified: 2026-09-17
- Page updated: 2026-09-07
- Pros: Enhanced FDIC coverage | Big promo stack | Morgan Stanley backing
- Cons: Headline 4.00% is temporary, then 3.50% base on E*TRADE's own page | Existing Premium Savings accounts do not get the promo | No ATM access on the savings account

#### [BrioDirect High-Yield Savings](https://financeradar.com/savings/briodirect-high-yield-savings)

3.75% APY from Webster Bank after a 45bps mid-July cut, $5,000 to open

- APY: 3.75%
- APY note: Cut from 4.20% earlier in July 2026
- Minimum deposit: $5,000
- Monthly fee: None
- FDIC: Via Webster Bank charter, $250k
- Institution: Webster Bank, N.A. (BrioDirect brand)
- ATM access: No
- Rates and fees verified: 2026-10-03
- Page updated: 2026-10-03
- Pros: Real bank behind a rate-chaser brand | Historically front-runs the rate charts | No monthly fee
- Cons: Just cut 45bps mid-month | $5,000 opening minimum | Bare-bones digital experience

#### [Varo Savings](https://financeradar.com/savings/varo-savings)

3.75% APY on your first $5,000 from a neobank with its own bank charter

- APY: 3.75%
- APY note: On first $5,000 with $1,000+/mo qualifying direct deposit and positive balances; 1.00% above $5,000 and for non-qualifiers
- Minimum deposit: None
- Monthly fee: None
- FDIC: Direct (own national bank charter), $250k
- Institution: Varo Bank, N.A.
- ATM access: Yes
- Rates and fees verified: 2026-10-04
- Page updated: 2026-10-04
- Pros: Solid starter rate with genuine FDIC directness | Fee-free structure | Cash deposits at retailers and 40k+ Allpoint ATMs
- Cons: $5,000 cap guts it for larger savers | 1.00% above the cap is poor | Direct-deposit hoop

#### [Current Savings Pods](https://financeradar.com/savings/current-savings-pods)

4.00% APY on up to $6,000 in Savings Pods with $200+/mo direct deposit

- APY: 4%
- APY note: Boost on up to 3 Savings Pods, $2,000 each ($6,000 total cap); requires $200+/mo qualifying direct deposit; 0.25% without
- Minimum deposit: None
- Monthly fee: None
- FDIC: Pass-through via partner banks, $250k
- Institution: Current (fintech; deposits via Choice Financial Group and Cross River Bank)
- ATM access: Yes
- Rates and fees verified: 2026-10-07
- Page updated: 2026-10-07
- Pros: Strong app | Generous rate for small balances | 40k+ fee-free ATMs and early paycheck
- Cons: $6,000 earning cap | Boost contingent on continuous direct deposit | Fintech, not a bank, structure

#### [GO2bank Savings Vaults](https://financeradar.com/savings/go2bank-savings-vaults)

4.50% APY, the market's highest headline, capped at $5,000 in vaults

- APY: 4.5%
- APY note: Only on up to $5,000 average daily balance across vaults, paid quarterly, requires active checking in good standing; balance above $5k earns nothing
- Minimum deposit: None
- Monthly fee: $5
- FDIC: Via Green Dot Bank, $250k
- Institution: Green Dot Bank (GO2bank brand)
- ATM access: Yes
- Rates and fees verified: 2026-10-05
- Page updated: 2026-10-05
- Pros: Unbeatable rate for small emergency funds | Cash-friendly for underbanked users | Cash deposits at 90k+ retailers
- Cons: $5,000 cap makes it irrelevant for real savings | Quarterly interest payout | Fee if no direct deposit

#### [UFB Portfolio Savings](https://financeradar.com/savings/ufb-portfolio-savings)

3.26% APY with a free ATM card, down hard from its 2024-25 rate leadership

- APY: 3.26%
- APY note: Up to 3.46% combined with the UFB Freedom Checking bundle
- Minimum deposit: None
- Monthly fee: None
- FDIC: Via Axos Bank charter, $250k (aggregate with Axos deposits)
- Institution: UFB Direct (division of Axos Bank)
- ATM access: Yes
- Rates and fees verified: 2026-07-23
- Page updated: 2026-10-05
- Pros: ATM access | No fees | Optional checking bundle boosts the rate to 3.46%
- Cons: Rate has fallen hard from its 2024-25 leadership above 4% | Documented pattern of legacy-account rate decay; existing customers must actively request the current rate | FDIC coverage aggregates with Axos Bank deposits

#### [CIT Bank Platinum Savings](https://financeradar.com/savings/cit-bank-platinum-savings)

3.75% APY on $5,000+ after the CITBOOST promo ended; 0.25% under that

- APY: 3.75%
- APY note: Standard tiers as of September 7, 2026: 3.75% at $5,000+, 0.25% under $5,000. CITBOOST promo (4.10% / 0.60%) ended August 31, 2026.
- Minimum deposit: $100
- Monthly fee: None
- FDIC: Direct via First Citizens charter, $250k (aggregate with other CIT/First Citizens deposits)
- Institution: CIT Bank (division of First Citizens Bank)
- ATM access: No
- Rates and fees verified: 2026-10-07
- Page updated: 2026-09-07
- Pros: 3.75% from an established First Citizens brand if you hold $5,000+ | No monthly fee | $5k threshold is not a balance cap, so it is large-deposit friendly
- Cons: CITBOOST promo ended August 31, 2026; new accounts do not get 4.10% | 0.25% punishment tier under $5,000 | CIT's rate history shows they let legacy accounts decay

#### [Robinhood Gold Cash Sweep](https://financeradar.com/savings/robinhood-gold-cash-sweep)

3.35% APY on uninvested cash for Robinhood Gold subscribers at $5 a month

- APY: 3.35%
- APY note: Requires Robinhood Gold subscription ($5/mo or $50/yr); non-Gold earns far less; rate moves with the Fed
- Minimum deposit: None
- Monthly fee: $5
- FDIC: Pass-through sweep across partner banks, advertised up to $2.5M (verify current figure)
- Institution: Robinhood (brokerage sweep to partner banks)
- ATM access: Yes
- Rates and fees verified: 2026-09-16
- Page updated: 2026-10-04
- Pros: Competitive yield inside a brokerage | Gold bundle can pay for itself | High advertised sweep coverage across partner banks
- Cons: Yield is subscription-gated: roughly $1,800+ parked needed just to cover $5/mo vs a free 3.00% HYSA | Brokerage cash is not a bank account | Rate moves with the Fed and can change anytime

#### [Vio Bank Cornerstone Money Market](https://financeradar.com/savings/vio-bank-cornerstone-money-market)

3.55% APY money market from MidFirst Bank, $5 fee waived with e-statements

- APY: 3.55%
- APY note: Low-confidence figure per Yahoo Finance early July 2026; public rate data is stale and inconsistent
- Minimum deposit: $100
- Monthly fee: $5
- FDIC: Via MidFirst Bank charter, $250k
- Institution: Vio Bank (division of MidFirst Bank)
- ATM access: No
- Rates and fees verified: 2026-07-23
- Page updated: 2026-10-02
- Pros: Strong parent bank (MidFirst) | Historically competitive | $5 monthly fee is avoidable with e-statements
- Cons: Paper-statement fee trap | Stale marketing data everywhere | No access features

#### [Apple Card Savings account](https://financeradar.com/savings/apple-savings)

A 3.40% APY savings account inside Apple Wallet, open only to Apple Card holders, with no fees and no minimums.

- APY: 3.4%
- APY note: As of June 4, 2026; variable. Requires an Apple Card to open; launched at 4.15% in April 2023.
- Minimum deposit: None
- Monthly fee: None
- FDIC: Member FDIC via Goldman Sachs Bank USA, $250k
- Institution: Goldman Sachs Bank USA (Apple Card program transitioning to JPMorgan Chase)
- ATM access: No
- Rates and fees verified: 2026-09-20
- Page updated: 2026-10-02
- Pros: 3.40% APY with no fees, no minimum deposit, and no minimum balance | Daily Cash from Apple Card purchases can auto-deposit and compound | FDIC insured to $250,000 through Goldman Sachs Bank USA
- Cons: Requires an Apple Card and an iPhone or iPad; no Android or web access | APY has slid from 4.15% at launch to 3.40%, about 0.75 points below leaders | Program is moving from Goldman Sachs to Chase, so terms may change

#### [BMO Alto Online Savings Account](https://financeradar.com/savings/bmo-alto-online-savings)

BMO's web-only Alto brand pays 3.00% APY with zero fees and minimums, but no app, no ATM card, and no branch support.

- APY: 3%
- APY note: As of August 11, 2026; variable. Down from 3.15% in February 2026.
- Minimum deposit: None
- Monthly fee: None
- FDIC: Member FDIC via BMO Bank N.A., $250k; not separately insured from other BMO deposits
- Institution: BMO Bank N.A. (Alto online-only division)
- ATM access: No
- Rates and fees verified: 2026-08-11
- Page updated: 2026-10-05
- Pros: No fees, no minimum deposit, no minimum balance, unlimited withdrawals | FDIC insured deposits held at BMO Bank N.A., a major national bank | Simple two-product lineup: savings plus CDs, nothing to upsell
- Cons: 3.00% APY trails the 4.00% to 4.15% August 2026 leaders by about a point | No mobile app: web browser only, with no ATM card or cash deposits | BMO branches and ATMs cannot see or service Alto accounts

#### [Bank of America Advantage Savings](https://financeradar.com/savings/bank-of-america-advantage-savings)

Bank of America's only consumer savings account pays a 0.04% standard APY and charges $8 a month unless you clear a waiver.

- APY: 0.04%
- APY note: Standard rate per the Maryland rate sheet effective August 11, 2026; rates are set by state and some markets pay 0.01%. Preferred Rewards boosts stay below 0.1%
- Minimum deposit: $100
- Monthly fee: $8
- FDIC: Member FDIC, $250k per depositor
- Institution: Bank of America, N.A.
- ATM access: Yes
- Rates and fees verified: 2026-08-11
- Page updated: 2026-10-03
- Pros: Fee waived for first 6 months, then with $500 daily balance or Preferred Rewards | Balances count toward Preferred Rewards tiers starting at $20,000 combined | Keep the Change round-ups automate small deposits from a linked debit card
- Cons: 0.04% standard APY: $10,000 earns about $4 a year vs $400 at 4% online banks | $8 monthly fee is the highest among the big four banks' basic savings accounts | $100 minimum opening deposit, more than Chase, Wells Fargo, or Truist require

#### [Bread Savings High-Yield Savings Account](https://financeradar.com/savings/bread-savings)

Bread Financial's online savings arm pays 3.95% APY on all balances with a $100 minimum and no monthly fee.

- APY: 3.95%
- APY note: Variable; all balances earn the same rate. Verified on breadfinancial.com on 2026-08-11.
- Minimum deposit: $100
- Monthly fee: None
- FDIC: Member FDIC via Comenity Capital Bank, $250k per depositor
- Institution: Bread Financial (deposits held at Comenity Capital Bank)
- ATM access: No
- Rates and fees verified: 2026-08-11
- Page updated: 2026-10-04
- Pros: 3.95% APY on all balances with just $100 to open | No monthly fee; ACH transfers, incoming wires, and mobile deposits are free | FDIC insured to $250,000 through Comenity Capital Bank
- Cons: No ATM card, checking, or cash deposits; outgoing wires cost $25 | Savings and CDs only, so you need another bank as your checking hub | Official checks cost $15 and paper statements $5

#### [Cash App Savings](https://financeradar.com/savings/cash-app-savings)

Cash App's built-in savings pays 3.25% APY with direct deposit or card spend, but just 1.5% without the activity.

- APY: 3.25%
- APY note: Requires Green Status: $300+ in monthly paycheck direct deposits or $500+ in monthly Cash App Card spend. Base rate is 1.5% APY. As of August 2026.
- Minimum deposit: $1
- Monthly fee: None
- FDIC: Pass-through FDIC via Wells Fargo Bank, N.A., $250k (requires a Cash App Card or sponsored account)
- Institution: Block, Inc. (Cash App); deposits held at Wells Fargo Bank, N.A.
- ATM access: No
- Rates and fees verified: 2026-08-11
- Page updated: 2026-10-04
- Pros: 3.25% APY with $300 monthly direct deposits or $500 monthly card spend | Start with $1; no monthly fees or minimum balance requirements | Pass-through FDIC coverage up to $250,000 via Wells Fargo Bank
- Cons: Base rate is only 1.5% APY without qualifying monthly activity | App only: no web banking or branches; withdrawals route via Cash balance | Earning interest requires a Cash App Card, as does FDIC coverage

#### [Chase Savings](https://financeradar.com/savings/chase-savings)

Chase's basic savings account pays 0.01% APY, about $1 per year on $10,000, in exchange for branch access and easy transfers.

- APY: 0.01%
- APY note: Per Chase's consumer deposit rate sheet in effect August 7, 2026; all balance tiers pay the same rate, and Chase Premier Savings relationship rates top out at 0.02%
- Minimum deposit: None
- Monthly fee: $5
- FDIC: Member FDIC, $250k per depositor
- Institution: JPMorgan Chase Bank, N.A.
- ATM access: Yes
- Rates and fees verified: 2026-10-04
- Page updated: 2026-10-04
- Pros: No minimum to open; $5 fee waived with $300 balance or $25 monthly autosave | 4,700+ branches and 15,000+ ATMs with instant transfers to Chase checking | FDIC insured up to $250,000 per depositor
- Cons: 0.01% APY: $10,000 earns about $1 per year vs roughly $400 at online banks | $5 monthly fee ($60 per year) dwarfs interest earned at any balance | No competitive option in the Chase lineup; Premier Savings tops out at 0.02%

#### [Chime Savings](https://financeradar.com/savings/chime-savings)

A no-fee, no-minimum savings account with a 0.75% base APY, and up to 3.75% on qualifying direct deposit.

- Page updated: 2026-09-23

#### [Citi Accelerate Savings](https://financeradar.com/savings/citi-accelerate-savings)

Citi's online savings account pays a reported 3.15% APY, but only to residents of states where Citi has no branches.

- APY: 3.15%
- APY note: Per June 2026 reporting; Citi displays the exact rate by zip code, the rate is variable, and the account cannot be opened in Citi branch states
- Minimum deposit: None
- Monthly fee: $4.5
- FDIC: Member FDIC, $250k per depositor
- Institution: Citibank, N.A.
- ATM access: Yes
- Rates and fees verified: 2026-08-11
- Page updated: 2026-10-06
- Pros: 3.15% APY reported June 2026, vs 0.01% to 0.04% at branch-based big banks | No minimum opening deposit; $4.50 fee waived with a $500 average balance | Runs in the standard Citi app with easy links to Citi checking and cards
- Cons: Not available in Citi branch states: CA, CT, DC, MD, NV, NJ, NY, VA, most FL and IL | Top online banks paid up to about 4.2% in August 2026, roughly a point more | $2.50 fee per non-Citi ATM withdrawal

#### [Citizens Access Savings](https://financeradar.com/savings/citizens-access-savings)

Citizens Bank's online division pays 2.80% APY from one cent up with zero fees, though the rate has slid since 2025.

- APY: 2.8%
- APY note: As of 2026-08-04 per Bankrate's rate tracker, confirmed 2026-08-11 on DepositAccounts; down from 3.50% in August 2025 after five cuts.
- Minimum deposit: $0.01
- Monthly fee: None
- FDIC: Member FDIC (Citizens Bank, N.A., cert 57957), $250k shared with Citizens Bank branch deposits
- Institution: Citizens Bank, N.A. (Citizens Access division)
- ATM access: No
- Rates and fees verified: 2026-08-11
- Page updated: 2026-10-05
- Pros: Opens with one cent and earns 2.80% APY on every balance | Zero fees: no monthly, opening, or excess-transaction charges | Backed by Citizens Bank, N.A., a top-20 US bank with $200B+ in assets
- Cons: Five rate cuts in a year: from 3.50% APY in August 2025 to 2.80% by July 2026 | No ATM card or checking account on the Access platform | FDIC limit is shared with any Citizens Bank branch deposits you hold

#### [Ivy Bank High-Yield Savings](https://financeradar.com/savings/ivy-bank-high-yield-savings)

Cambridge Savings Bank's digital brand pays 3.85% APY on balances of $2,500 or more, with no monthly fee.

- APY: 3.85%
- APY note: Effective July 16, 2026; balances of $10 to $2,499.99 earn 0.05%, and the stated APY is paid on balances up to $1,000,000
- Minimum deposit: $2,500
- Monthly fee: None
- FDIC: FDIC insured via Cambridge Savings Bank; the two share one $250k limit per depositor
- Institution: Ivy Bank, a division of Cambridge Savings Bank
- ATM access: No
- Rates and fees verified: 2026-08-11
- Page updated: 2026-10-07
- Pros: 3.85% APY (effective July 16, 2026) with no monthly maintenance fee | Backed by Cambridge Savings Bank, a Massachusetts bank founded in 1834 | Stated APY paid on balances all the way up to $1,000,000
- Cons: Balances under $2,500 earn just 0.05%, a steep cliff for smaller savers | Savings only: no checking, debit card, or ATM access; ACH transfers only | Top online rivals paid up to about 4.2% in August 2026

#### [PNC High Yield Savings](https://financeradar.com/savings/pnc-high-yield-savings)

PNC's online savings account pays 3.15% APY with no fees or minimums, but it is only offered in select markets.

- APY: 3.15%
- APY note: As of July to August 2026; variable. Offered online in select markets only, and the APY can vary by market.
- Minimum deposit: None
- Monthly fee: None
- FDIC: Member FDIC, $250k
- Institution: PNC Bank, N.A.
- ATM access: No
- Rates and fees verified: 2026-08-11
- Page updated: 2026-10-02
- Pros: 3.15% APY with no minimum balance and no monthly service fee | Backed by PNC, one of the largest US banks, FDIC insured to $250,000 | No minimum deposit required to open the account
- Cons: Offered online in select markets only; availability depends on your ZIP code | About a point below the 4.00% to 4.15% August 2026 rate leaders | No ATM card on the savings account; access is via linked account transfers

#### [Primis Savings Account](https://financeradar.com/savings/primis-savings)

Virginia's Primis Bank pays 3.85% APY on every dollar with a $1 open, no fees, no caps, and no transaction limits.

- APY: 3.85%
- APY note: 3.78% interest rate; rates effective December 1, 2025 and still posted on primisbank.com as of August 11, 2026. Primis directs customers to log in for their current rate.
- Minimum deposit: $1
- Monthly fee: None
- FDIC: Member FDIC, $250k; extended coverage beyond $250k available via partner program
- Institution: Primis Bank (Primis Financial Corp)
- Rates and fees verified: 2026-10-01
- Page updated: 2026-10-07
- Pros: 3.85% APY on every dollar with a $1 minimum and no fees | No transaction limits and no cap on the interest-earning balance | Incoming wire fees refunded; extended FDIC coverage available
- Cons: Rate unchanged since December 2025 while leaders pay 4.00% to 4.15% | Branches only in Virginia and Maryland; no cash deposits elsewhere | Account access from outside the US requires special arrangements

#### [Quontic Bank High Yield Savings](https://financeradar.com/savings/quontic-high-yield-savings)

A CDFI digital bank's savings account paying 3.20% APY with a $100 minimum, undercut by Quontic's own 3.80% money market.

- APY: 3.2%
- APY note: Per Quontic's rate information as of May 14, 2026, still shown in August 2026; variable. Quontic's own Money Market pays 3.80% APY.
- Minimum deposit: $100
- Monthly fee: None
- FDIC: Member FDIC, $250k
- Institution: Quontic Bank
- ATM access: No
- Rates and fees verified: 2026-08-11
- Page updated: 2026-10-06
- Pros: 3.20% APY with daily compounding and no monthly service fees | CDFI-certified bank: deposits fund lending in underserved communities | Full product shelf: checking, a 3.80% money market, and CDs up to 3.60%
- Cons: Quontic's own Money Market pays 3.80% APY, 0.60 points more, with a debit card | $100 minimum opening deposit; many rivals open with $0 or $1 | About a point below the 4.15% top savings rates of August 2026

#### [Raisin](https://financeradar.com/savings/raisin)

A free marketplace with one login to savings and CDs at 100+ banks, topping out at 4.15% APY in August 2026.

- APY: 4.15%
- APY note: Top savings rate on the platform as of August 11, 2026 (NexBank and Patriot Bank N.A.); each partner institution sets its own rate.
- Minimum deposit: $1
- Monthly fee: None
- FDIC: Pass-through FDIC/NCUA at each partner institution, $250k per depositor per institution; $10M+ combined possible
- Institution: Raisin (marketplace; deposits held at 100+ FDIC/NCUA insured partner institutions)
- ATM access: No
- Rates and fees verified: 2026-08-11
- Page updated: 2026-10-03
- Pros: Top platform savings rate of 4.15% APY (NexBank, Patriot Bank) in August 2026 | One login, $1 minimum, no platform fees across 100+ institutions | Stack $250,000 FDIC/NCUA coverage per institution, $10M+ combined possible
- Cons: Savings products only: no checking, debit card, ATM, or cash deposits | Customer service runs through Raisin, not the bank holding your money | Platform rates and terms can differ from the bank's direct offer

#### [TAB Save High Yield Savings](https://financeradar.com/savings/tab-bank-high-yield-savings)

Utah's TAB Bank pays 3.61% APY with no minimum deposit, no monthly fee, and no withdrawal limits on its TAB Save account.

- APY: 3.61%
- APY note: Rates effective August 11, 2026, per tabbank.com; variable and can change at TAB's discretion without notice.
- Minimum deposit: None
- Monthly fee: None
- FDIC: Member FDIC, $250k per depositor per ownership category
- Institution: TAB Bank (Transportation Alliance Bank)
- ATM access: No
- Rates and fees verified: 2026-08-11
- Page updated: 2026-10-06
- Pros: 3.61% APY with no opening minimum; a penny earns the full rate | No monthly fee, no balance cap, and no excess-withdrawal fee | Pairs with TAB Spend checking: 1.00% cash back plus 2.75% APY
- Cons: Rate trails August 2026 leaders paying 4.00% to 4.15% | No ATM card on the savings account; outgoing wires cost $30 | Online-only, and TAB has no ATM network of its own

#### [Truist One Savings](https://financeradar.com/savings/truist-one-savings)

Truist's basic savings account pays 0.01% APY; the $5 fee is easy to waive, but the yield is barely distinguishable from zero.

- APY: 0.01%
- APY note: Not tiered; per 2026 rate checks. Truist publishes exact rates by zip code
- Minimum deposit: $50
- Monthly fee: $5
- FDIC: Member FDIC, $250k per depositor
- Institution: Truist Bank
- ATM access: Yes
- Rates and fees verified: 2026-10-07
- Page updated: 2026-10-07
- Pros: $5 fee waived by $300 balance, $25 recurring transfer, or any Truist checking | No overdraft-related fees, and free overdraft protection transfers to checking | $50 minimum opening deposit; paper and online statements are free
- Cons: 0.01% APY: a $10,000 balance earns about $1 per year | $5 withdrawal limit fee on each withdrawal past 6 per cycle, up to $30 | Branch network concentrated in the Southeast and Mid-Atlantic

#### [Upgrade Premier Savings](https://financeradar.com/savings/upgrade-premier-savings)

Upgrade's Premier Savings pays 3.05% APY on balances of $1,000 or more, with FDIC coverage up to $1 million via partner banks.

- APY: 3.05%
- APY note: Effective October 31, 2025 and still posted August 2026; variable. Applies only on days with a closing balance of $1,000 or more; below that, 0% for the day.
- Minimum deposit: None
- Monthly fee: None
- FDIC: Up to $1M via Cross River Bank and participating FDIC/NCUA institutions ($250k per institution)
- Institution: Upgrade (banking services by Cross River Bank and participating institutions)
- ATM access: No
- Rates and fees verified: 2026-08-11
- Page updated: 2026-10-01
- Pros: 3.05% APY with no monthly fees and no minimum to open | FDIC/NCUA coverage up to $1 million via Cross River and partner institutions | Pairs with Upgrade Rewards Checking for a fee-free fintech stack
- Cons: Days with a closing balance under $1,000 earn 0% APY, not a reduced rate | 3.05% sits a full point below the 4.00%+ August 2026 leaders | Upgrade is a fintech, not a bank; deposits sit at partner institutions

#### [Valley Direct High Yield Savings Account](https://financeradar.com/savings/valley-direct-high-yield-savings)

Valley National Bank's online arm pays about 4.00% APY for the first year on a $1,000 minimum, then roughly 3.40%.

- APY: 4%
- APY note: 12-month introductory rate for new online customers (standard interest rate plus 0.58 points), about 4.00% APY per mid-2026 trackers; reverts to the standard rate, about 3.40% APY, after one year. Valley loads exact live figures dynamically; verify on valleydirect.com before opening.
- Minimum deposit: $1,000
- Monthly fee: None
- FDIC: Member FDIC via Valley National Bank, $250k, combined with other Valley deposits in the same ownership category
- Institution: Valley National Bank (Valley Direct)
- ATM access: No
- Rates and fees verified: 2026-08-11
- Page updated: 2026-10-02
- Pros: About 4.00% APY intro rate for 12 months (standard rate plus 0.58 points) | No monthly fees; a penny of daily balance earns the advertised APY | FDIC insured via Valley National Bank, a $64B bank founded in 1927
- Cons: Rate drops to the standard tier, about 3.40% APY, after the first year | $1,000 minimum opening deposit | No debit card or checking; accounts at $0 for 60 days may be closed

#### [Wells Fargo Way2Save Savings](https://financeradar.com/savings/wells-fargo-way2save)

Wells Fargo's entry savings account automates $1 round-up deposits but pays 0.01% APY on every balance.

- APY: 0.01%
- APY note: Per July 2026 rate checks; Wells Fargo's own rates page did not display the figure at review time and directs visitors to call
- Minimum deposit: $25
- Monthly fee: $5
- FDIC: Member FDIC, $250k per depositor
- Institution: Wells Fargo Bank, N.A.
- ATM access: Yes
- Rates and fees verified: 2026-10-05
- Page updated: 2026-10-05
- Pros: Five ways to waive the $5 fee, including a single Save As You Go transfer | Save As You Go moves $1 to savings on every debit card or Bill Pay transaction | $25 minimum opening deposit; fee waived entirely for owners 24 or younger
- Cons: 0.01% APY on all balances: about $1 per year on a $10,000 deposit | Wells Fargo's rates page hid the rate at review time and said to call instead | No path to a competitive yield anywhere in the Wells Fargo savings lineup

### Certificates of deposit (CDs) (15)

#### [Ally Bank High Yield CD (18 Month)](https://financeradar.com/cds/ally-cd)

Ally's 18 month High Yield CD pays 4.00% APY with no minimum deposit and a 60 day early exit penalty.

- APY: 4%
- Term: 18 months
- Minimum deposit: None
- Early withdrawal penalty: 60 days loss of interest for terms of 3 to 24 months, which covers this 18 month CD. Ally charges 30 days under 3 months, 90 days for 25 to 36 months, 120 days for 37 to 48 months, and 150 days for 49 months or longer. Partial withdrawals are not allowed.
- Compounding: Daily
- FDIC: Member FDIC, $250k per depositor per ownership category
- Institution: Ally Bank
- Rates and fees verified: 2026-09-09
- Page updated: 2026-10-06
- Pros: 4.00% APY on 18 months with no minimum deposit | 60 day interest penalty is mild for an 18 month term | Ten Day Best Rate Guarantee plus a 0.05% renewal loyalty reward
- Cons: 3 year and 5 year terms pay only 3.50%, well under the 18 month | No partial withdrawals and no added funds during the term | No Penalty CD pays 2.70%, below Ally's own 3.00% savings rate

#### [American Express National Bank CD](https://financeradar.com/cds/amex-cd)

American Express pays 4.25% APY on a 10 month CD with no minimum deposit, but the rest of its curve is weak.

- APY: 4.25%
- Term: 10 months
- Minimum deposit: None
- Early withdrawal penalty: 90 days of interest on terms under 12 months, so 90 days on this 10 month CD; 270 days at 12 to 48 months, 365 days at 48 to 60 months, 540 days at 60 months or more
- Compounding: Daily, credited monthly
- FDIC: Member FDIC, $250,000 per depositor, per ownership category
- Institution: American Express National Bank
- Rates and fees verified: 2026-09-12
- Page updated: 2026-09-07
- Pros: 4.25% APY on 10 months, the best term Amex offers | No minimum deposit and no monthly fee, at any balance | Interest compounds daily and is credited monthly
- Cons: Long terms pay far less: 2.25% at 36 and 48 months | 90 days interest penalty is about a third of a 10 month CD's yield | No partial withdrawals and auto renews after a 10 day grace period

#### [BMO Alto Online Certificate of Deposit](https://financeradar.com/cds/bmo-alto-cd)

BMO Alto's top CD is 3.00% APY at 5 years, the exact rate its own no lock savings account pays.

- APY: 3%
- Term: 60 months
- Minimum deposit: None
- Compounding: Daily, credited monthly
- FDIC: Member FDIC through BMO Bank N.A., $250,000 per depositor per ownership category; Alto balances are not separately insured and count toward your existing BMO Bank N.A. limit
- Institution: BMO Bank N.A., operating as Alto
- Rates and fees verified: 2026-08-11
- Page updated: 2026-10-06
- Pros: No minimum opening deposit and no monthly fee | Interest compounds daily and is credited monthly | Backed by BMO Bank N.A., not a fintech intermediary
- Cons: Top rate is 3.00% APY and it takes a 5 year lock to get it | Alto savings pays the same 3.00% APY with no lock at all | Alto balances share, not add to, your BMO Bank N.A. FDIC limit

#### [Barclays Online CD (12 Month)](https://financeradar.com/cds/barclays-cd)

The Barclays 12 month Online CD pays 4.15% APY with no minimum opening deposit.

- APY: 4.15%
- Term: 12 months
- Minimum deposit: None
- Early withdrawal penalty: 90 days simple interest on the amount withdrawn for terms of 24 months or less, which covers this 12 month CD. Terms longer than 24 months are charged 180 days. Any shortfall is deducted from principal.
- FDIC: Member FDIC, $250k per depositor per ownership category (Barclays Bank Delaware)
- Institution: Barclays Bank Delaware
- Rates and fees verified: 2026-10-06
- Page updated: 2026-10-06
- Pros: 4.15% APY at 12 months, the top of the Barclays curve | No minimum opening deposit and no monthly or annual fees | 90 day interest penalty and a 14 day grace period at maturity
- Cons: Terms of 18 months and longer pay 3.00% or less | 60 month CD pays 2.00%, below Barclays' own savings rate | Account must be funded within 14 days and cannot take later deposits

#### [Bread Savings Certificate of Deposit (18 Month CD)](https://financeradar.com/cds/bread-savings-cd)

Bread Savings pays 4.50% APY on its 18 month CD, the top rate in its lineup, with $1,500 minimum.

- APY: 4.5%
- Term: 18 months
- Minimum deposit: $1,500
- Early withdrawal penalty: 180 days simple interest on the principal at the rate in effect, for terms of 12 months to three years including this 18 month CD. Terms under 12 months are charged 90 days and terms of four years and up are charged 365 days. Partial principal withdrawals are not permitted.
- Compounding: Daily, credited monthly
- FDIC: Member FDIC, $250k per depositor per ownership category
- Institution: Comenity Capital Bank (Bread Savings, a Bread Financial brand)
- Rates and fees verified: 2026-08-11
- Page updated: 2026-10-02
- Pros: 4.50% APY at 18 months, the best rate in the Bread lineup | Long terms hold up: 2 to 5 year CDs all pay 4.25% | No monthly maintenance fees and no incoming wire fees
- Cons: $1,500 minimum where several rivals require nothing | 180 days interest penalty to break the 18 month term | No partial principal withdrawals and no branches

#### [CIT Bank Term CD](https://financeradar.com/cds/cit-bank-term-cd)

CIT pays 4.00% APY on its 1 year Term CD while its 2 to 5 year CDs pay 0.40% to 0.50%.

- APY: 4%
- Term: 1 year
- Minimum deposit: $1,000
- Compounding: Daily
- FDIC: Member FDIC, $250,000 per depositor, per ownership category
- Institution: CIT Bank, a division of First Citizens Bank
- Rates and fees verified: 2026-08-11
- Page updated: 2026-10-04
- Pros: 4.00% APY on 1 year, competitive for August 2026 | $1,000 minimum, no opening or monthly maintenance fee | Interest compounds daily
- Cons: 2 and 3 year terms pay 0.40% APY, 4 and 5 year pay 0.50% | CIT's 11 month No Penalty CD pays 3.90%, nearly the same with no lock | Early withdrawal penalty is not published on public pages

#### [Capital One 360 CD (12 Month)](https://financeradar.com/cds/capital-one-360-cd)

The Capital One 360 CD pays 4.00% APY on 12 months with no minimum deposit and real branch access.

- APY: 4%
- Term: 12 months
- Minimum deposit: None
- Early withdrawal penalty: 3 months of interest for terms of 12 months or less, which covers this 12 month CD. Terms longer than 12 months are charged 6 months of interest. Partial withdrawals are not allowed.
- Compounding: Accrued daily, compounded and credited monthly
- FDIC: Member FDIC, $250k per depositor per ownership category. Capital One and Discover Bank accounts opened on or after May 18, 2025 are combined for coverage purposes.
- Institution: Capital One
- Rates and fees verified: 2026-10-01
- Page updated: 2026-10-01
- Pros: 4.00% APY at 12 months with no minimum deposit or balance | Branch and cafe access, unlike branchless online CD rivals | Open up to 50 CDs at once, which makes laddering easy
- Cons: 6 month term pays only 3.30%, near the 3.00% savings rate | 24 to 48 month terms all pay 3.50%, below the 12 month | Discover deposits share your FDIC limit if opened after May 18, 2025

#### [EverBank Performance CD](https://financeradar.com/cds/everbank-cd)

EverBank's best CD rate is 4.10% APY on a 7 month term, and that term auto renews into a lower paying CD.

- APY: 4.1%
- Term: 7 months
- Minimum deposit: $1,000
- Early withdrawal penalty: Charged on principal withdrawn before maturity; EverBank's schedule runs from 22 to 456 days of simple interest depending on term, and the per term figures are not published on the public rates page
- Compounding: Daily
- FDIC: Member FDIC, $250,000 per depositor, per ownership category
- Institution: EverBank
- Rates and fees verified: 2026-09-29
- Page updated: 2026-10-06
- Pros: 4.10% APY on 7 months, the only EverBank CD above 4% | $1,000 minimum and no monthly maintenance fee | Interest can be withdrawn penalty free if elected at opening
- Cons: The 7 month term auto renews into a shorter, lower paying CD | 9 to 60 month terms all pay a flat 3.40% APY | EverBank's own savings pays 3.90% APY and stays liquid

#### [First Internet Bank CD](https://financeradar.com/cds/first-internet-bank-cd)

First Internet Bank tops out at 3.76% APY on a 6 month CD whose early withdrawal penalty exceeds the term.

- APY: 3.76%
- Term: 6 months
- Minimum deposit: $1,000
- Early withdrawal penalty: 180 days of interest on the 6 month term, which is more interest than the full term pays; 90 days at 3 months, 180 days at 12 and 18 months, 360 days at 24 through 60 months
- Compounding: Monthly
- FDIC: Member FDIC, $250,000 per depositor, per ownership category
- Institution: First Internet Bank of Indiana
- Rates and fees verified: 2026-09-29
- Page updated: 2026-10-06
- Pros: 3.76% APY on 6 months, the top rate in an eight term lineup | $1,000 minimum with no monthly maintenance fee | Penalties published per term directly in the rate table
- Cons: 180 day penalty on a 180 day CD eats into principal if broken | Interest compounds monthly, not daily like most rivals | Rates trail the best online CDs by roughly half a point

#### [Happen Bank Certificate of Deposit (2 Year CD)](https://financeradar.com/cds/happen-bank-cd)

Happen Bank's 2 year CD pays 4.30% APY, the only term that clearly beats its own savings account.

- APY: 4.3%
- Term: 24 months
- Minimum deposit: $500
- Early withdrawal penalty: 180 days simple interest for terms greater than 1 year, which covers this 2 year CD. Terms of 1 year or less are charged 90 days. Early withdrawal is permitted only with the bank's consent, except on death or declaration of legal incompetency.
- Compounding: Monthly, credited monthly
- FDIC: Member FDIC, $250k per depositor per ownership category
- Institution: Happen Bank (formerly LendingClub Bank)
- Rates and fees verified: 2026-08-11
- Page updated: 2026-10-03
- Pros: 4.30% APY on 2 years, the best rate Happen Bank posts | $500 minimum with a $500,000 per account maximum | Credited interest can be withdrawn monthly without penalty
- Cons: 1 year, 14 month and 5 year terms pay less than its 4.00% savings | Interest compounds monthly, not daily like most rivals | Early withdrawal requires the bank's consent, it is not a right

#### [Marcus by Goldman Sachs High-Yield CD](https://financeradar.com/cds/marcus-cd)

Marcus pays 4.35% APY on 18 month through 6 year High-Yield CDs, with a $500 minimum.

- APY: 4.35%
- Term: 18 months
- Minimum deposit: $500
- Early withdrawal penalty: 90 days interest on the original principal for terms of 1 year or less, 180 days for terms over 1 year to 5 years, 270 days for terms over 5 years. Partial withdrawals of principal are not allowed.
- Compounding: Daily, credited monthly
- FDIC: Member FDIC, $250k per depositor per ownership category (Goldman Sachs Bank USA, Salt Lake City Branch)
- Institution: Goldman Sachs Bank USA (Marcus by Goldman Sachs)
- Rates and fees verified: 2026-09-07
- Page updated: 2026-09-07
- Pros: 4.35% APY on 18 months through 6 years, confirmed on Marcus's page September 7, 2026 | $500 minimum and no monthly fees | 10-Day Rate Guarantee locks in any rate increase after opening
- Cons: No partial withdrawals: an early exit breaks the whole CD | 180 days interest penalty on the 18 month term if broken early | Only 30 days after opening to finish funding the CD

#### [Popular Direct CD](https://financeradar.com/cds/popular-direct-cd)

Popular Direct pays 4.35% APY on an 18 month CD, the highest rate here, but demands $10,000 to open.

- APY: 4.35%
- Term: 18 months
- Minimum deposit: $10,000
- Early withdrawal penalty: 270 days of simple interest for terms of 12 to under 36 months, so 270 days on this 18 month CD; 89 days under 91 days, 120 days from 91 days to under 12 months, 365 days at 36 to under 60 months, 730 days at 60 months or more
- FDIC: Member FDIC, $250,000 per depositor, per ownership category
- Institution: Popular Direct, a brand of Popular Bank
- Rates and fees verified: 2026-09-29
- Page updated: 2026-10-06
- Pros: 4.35% APY on 18 months, the highest rate in this comparison set | Curve rewards longer terms: 6mo 4.15%, 12mo 4.25%, 18mo 4.35% | No opening or monthly maintenance fees
- Cons: $10,000 minimum opening deposit and ongoing balance | 270 days of simple interest to break the 18 month CD | Only three terms offered, nothing beyond 18 months

#### [Quontic Bank CD](https://financeradar.com/cds/quontic-cd)

Quontic's highest CD rate is 3.60% APY on a 3 month term, and breaking it early forfeits all the interest.

- APY: 3.6%
- Term: 3 months
- Minimum deposit: $500
- Early withdrawal penalty: For terms up to 12 months, all interest that would have been earned over the full term; one year of interest for 12 to 24 month terms; two years of interest at 24 months and over
- Compounding: Daily, credited monthly
- FDIC: Member FDIC, $250,000 per depositor, per ownership category
- Institution: Quontic Bank
- Rates and fees verified: 2026-09-17
- Page updated: 2026-10-05
- Pros: 3.60% APY on 3 months, labeled by Quontic as its highest rate | $500 minimum, one of the lowest among online banks | CDFI and Minority Depository Institution certified
- Cons: Breaking a term of 12 months or less forfeits the full term's interest | Inverted curve: 60 months pays 2.75%, below the 3 month rate | Posted rates carry a June 18, 2026 effective date

#### [Sallie Mae Bank Certificate of Deposit (36 Month CD)](https://financeradar.com/cds/sallie-mae-cd)

Sallie Mae's 36 month CD pays 4.35% APY, matching its 60 month rate for half the lock-up.

- APY: 4.35%
- Term: 36 months
- Minimum deposit: $2,500
- Early withdrawal penalty: 180 days simple interest on the amount withdrawn for maturities greater than 12 months, which covers this 36 month CD. Maturities of 12 months or less are charged 90 days. Any shortfall is deducted from principal, and the penalty may be waived on death or incompetence of an accountholder.
- Compounding: Accrues daily, compounded interest credited monthly
- FDIC: Member FDIC, $250k per depositor per ownership category, up to $500k on a qualifying joint account
- Institution: Sallie Mae Bank
- Rates and fees verified: 2026-08-11
- Page updated: 2026-10-04
- Pros: 4.35% APY at 36 months, the same rate as the 60 month term | Eleven terms from 6 to 60 months and no monthly maintenance fees | 18, 24 and 30 month terms all pay 4.25%, useful for laddering
- Cons: $2,500 minimum to open and to keep earning interest | 6 and 9 month CDs pay 3.20%, below the 3.75% savings account | 180 days interest penalty on terms over 12 months

#### [Synchrony Bank Certificate of Deposit (16 Month CD)](https://financeradar.com/cds/synchrony-cd)

Synchrony's featured 16 month CD pays 4.30% APY with no minimum deposit at all.

- APY: 4.3%
- Term: 16 months
- Minimum deposit: None
- Early withdrawal penalty: 180 days of simple interest at the current rate for this 16 month term. Synchrony charges 90 days for terms of 12 months or less and 365 days for terms of 48 months or more.
- FDIC: Member FDIC, $250k per depositor per ownership category
- Institution: Synchrony Bank
- Rates and fees verified: 2026-10-06
- Page updated: 2026-09-07
- Pros: 4.30% APY on 16 months, within 5 bps of the best 5 year rate | No minimum deposit or minimum balance on any term | Earned interest can be withdrawn any time with no penalty
- Cons: 180 days interest penalty for breaking the 16 month term early | No-Penalty and 3 month CDs pay just 0.25% APY | No branches and no added deposits after the CD is funded

### Checking accounts (14)

#### [Ally Bank Spending Account (Interest Checking)](https://financeradar.com/checking/ally-interest-checking)

A no-fee online checking account paying 0.10% APY, rising to 0.25% once your balance reaches $15,000.

- APY: 0.1%
- APY note: 0.10% APY on balances under $15,000 and 0.25% APY on balances of $15,000 or more, accurate as of 08/05/2026. Rates are variable.
- Monthly fee: None
- Monthly fee waiver: Not applicable, there is no monthly fee to waive.
- Minimum to open: None
- Overdraft: No overdraft fees. CoverDraft covers up to $100 at no charge, rising to $250 after qualifying direct deposits of at least $250 in two consecutive months. At least one direct deposit every 45 days is needed to keep the higher limit, and uncovered transactions are declined.
- ATM network: 75,000+ fee-free Allpoint ATMs nationwide, plus up to $10 per statement cycle in reimbursements for out-of-network ATM fees.
- Check writing: Yes
- Early direct deposit: Up to 2 days early, enabled automatically on the Spending Account.
- FDIC: Member FDIC, $250,000 per depositor, per ownership category
- Institution: Ally Bank
- Rates and fees verified: 2026-10-05
- Page updated: 2026-10-05
- Pros: No monthly fee, no minimum deposit, and free check orders | 75,000+ Allpoint ATMs plus $10 per cycle in out-of-network refunds | CoverDraft covers $100, or $250 with qualifying direct deposits, fee-free
- Cons: 0.10% APY means a $5,000 balance earns about $5 per year | The better 0.25% tier needs a $15,000 balance to unlock | No branches and limited ways to deposit physical cash

#### [Bank of America Advantage Plus Banking](https://financeradar.com/checking/bank-of-america-advantage-plus)

Bank of America's mainstream checking tier: $12 a month, waived by a single qualifying direct deposit of $250.

- APY: 0%
- APY note: Non-interest bearing account, per the Personal Schedule of Fees effective August 7, 2026. Only the $25 Advantage Relationship tier earns interest.
- Monthly fee: $12
- Monthly fee waiver: $0 in any statement cycle with at least one qualifying direct deposit of $250 or more, or a minimum daily balance of $1,500 or more, or an account owner enrolled in BofA Rewards at the Preferred Plus, Preferred Honors, or Premier tier. Preferred Plus starts at $30,000 in combined balances, so free Member tier enrollment is not enough.
- Overdraft: Overdraft Item Fee of $10.00 each, maximum 2 per day. No fee on everyday non-recurring debit card or ATM transactions, on items that overdraw the account by $1 or less, or when an item is declined or returned unpaid. Balance Connect links a backup account for overdraft protection.
- ATM network: Fee-free at Bank of America ATMs. Non-Bank of America ATMs cost $2.50 each in the US and $5.00 each in a foreign country, plus the operator's surcharge.
- Check writing: Yes
- FDIC: Bank of America, N.A., Member FDIC. $250,000 per depositor, per ownership category.
- Institution: Bank of America, N.A.
- Rates and fees verified: 2026-09-07
- Page updated: 2026-09-07
- Pros: $12 fee waived by one $250 direct deposit, the loosest big bank waiver | Overdraft fee is $10, capped at 2 a day, versus $102 or more elsewhere | No overdraft fee on debit card or ATM items, or if overdrawn by $1 or less
- Cons: Non-interest bearing, so every dollar parked here earns nothing | Rewards waiver now needs Preferred Plus and $30,000 in balances | Out-of-network ATMs cost $2.50 in the US plus the operator surcharge

#### [Capital One 360 Checking](https://financeradar.com/checking/capital-one-360-checking)

A no-fee checking account with 70,000+ free ATMs and three overdraft options, but only 0.10% APY.

- APY: 0.1%
- APY note: 0.10% APY across all balance tiers, from $0 to $100,000 and above. Rates are variable and may change at Capital One's discretion.
- Monthly fee: None
- Monthly fee waiver: Not applicable, there is no monthly fee to waive.
- Minimum to open: None
- Overdraft: Three options at no charge: Auto-Decline (the default), Free Savings Transfer from a linked Capital One savings or money market account, and No-Fee Overdraft, which requires regular deposits of at least $250 during two of the previous three calendar months. No overdraft fee applies under any option.
- ATM network: 70,000+ fee-free Capital One, MoneyPass, and Allpoint ATMs. Debit purchases and ATM withdrawals are capped at $5,000 per day, with app-initiated ATM withdrawals limited to $500 daily and $2,000 monthly.
- Check writing: Yes
- Early direct deposit: Up to 2 days earlier for eligible customers.
- FDIC: Member FDIC, $250,000 per depositor, per ownership category
- Institution: Capital One, N.A.
- Rates and fees verified: 2026-10-05
- Page updated: 2026-09-07
- Pros: No monthly fee, no minimum deposit, no minimum balance, plus 265 branches | 70,000+ fee-free Capital One, MoneyPass, and Allpoint ATMs | Three fee-free overdraft options, including no-fee approved overdrafts
- Cons: 0.10% APY on every tier, including balances above $100,000 | $30 outgoing domestic wire and $10 to $20 cashier's checks | Branches only exist in nine states, so most users bank fully online

#### [Chase Total Checking](https://financeradar.com/checking/chase-total-checking)

Chase's flagship checking account costs $15 a month unless $500 in electronic deposits lands each statement period.

- APY: 0%
- APY note: Does not earn interest, per Chase's product disclosure effective June 14, 2026.
- Monthly fee: $15
- Monthly fee waiver: $0 with any one per statement period: $500+ in qualifying electronic deposits; $1,500+ balance at the beginning of each day; $5,000+ average beginning day balance across this account plus linked Chase deposits or investments; or a link to a qualifying Chase premium checking account. Zelle, cash, checks, wires, and interest payments do not count as qualifying electronic deposits.
- Minimum to open: None
- Overdraft: $34 per item, maximum 3 per business day ($102). Overdraft Assist charges $0 if you are overdrawn by $50 or less at the end of the business day, or if you return to within $50 overdrawn by the end of the next business day.
- ATM network: More than 14,000 Chase ATMs and 5,000 branches. Non-Chase ATMs cost $3 per withdrawal in the US and $5 outside the US, plus the operator's surcharge.
- Check writing: Yes
- FDIC: JPMorgan Chase Bank, N.A., Member FDIC. $250,000 per depositor, per institution, per ownership category.
- Institution: JPMorgan Chase Bank, N.A.
- Rates and fees verified: 2026-10-06
- Page updated: 2026-10-06
- Pros: $0 monthly fee with $500+ in qualifying electronic deposits per period | More than 5,000 branches and 14,000 ATMs, the widest US branch network | $400 new customer bonus for $1,000 in direct deposits within 90 days
- Cons: $15 a month, or $180 a year, if no waiver test is met | Zelle, cash, checks, and wires do not count toward the $500 waiver | Pays no interest, and overdrafts run $34 each, up to $102 a day

#### [Chime Checking Account](https://financeradar.com/checking/chime-checking)

A no-fee mobile checking account with fee-free overdraft up to $200, but it pays no interest at all.

- APY: 0%
- APY note: The checking account pays no interest. The separate Chime Savings Account pays 0.75% APY base, 2.75% with Chime Plus, and 3.75% with Chime Prime, effective 07/13/2026.
- Monthly fee: None
- Monthly fee waiver: Not applicable, there is no monthly fee to waive.
- Minimum to open: None
- Overdraft: SpotMe covers up to $200 of overdrafts with no fee, and requires $200 or more in qualifying direct deposits per month. Starting limits are lower and increase with account history.
- ATM network: Over 47,000 fee-free ATMs via Allpoint, Visa Plus Alliance, and FCTI ATMs in 7-Eleven locations. $2.50 per out-of-network withdrawal.
- Check writing: No
- Early direct deposit: Up to 2 days early when the payer submits the ACH file ahead of the pay date.
- FDIC: Member FDIC through The Bancorp Bank, N.A. or Stride Bank, N.A., $250,000 per depositor, per insured bank, per ownership category
- Institution: The Bancorp Bank, N.A. or Stride Bank, N.A. (Chime is a financial technology company, not a bank)
- Rates and fees verified: 2026-08-11
- Page updated: 2026-10-05
- Pros: No monthly fee, no minimum opening deposit, no minimum balance fee | Fee-free overdraft up to $200 with $200+ in monthly direct deposits | 47,000+ fee-free ATMs and direct deposits up to 2 days early
- Cons: Checking pays 0% APY, so idle cash earns nothing | $2.50 fee on every out-of-network ATM withdrawal | No paper checkbook, no branches, and SpotMe starts well below $200

#### [Citi Regular Checking](https://financeradar.com/checking/citi-regular-checking)

Citi's standard checking tier costs $15 a month, waived by $250 in monthly deposits, and it charges no overdraft fees at all.

- APY: 0%
- APY note: Citi does not publish an APY for Regular Checking on its account comparison page or in the Simplified Banking Fact Sheet, and it is not marketed as an interest bearing account.
- Monthly fee: $15
- Monthly fee waiver: $0 in months with $250 or more in direct deposits or other qualifying transactions, or with Citi Priority, Citigold, or Citigold Private Client relationship tier status. Citi Priority starts at $30,000 in combined average monthly balance.
- Minimum to open: None
- Overdraft: No overdraft fees. Citi states it will not charge an overdraft fee, though permitting overdrafts is discretionary. Safety Check transfers from a linked money market or savings account, and a Checking Plus variable rate line of credit is available subject to credit approval.
- ATM network: Fee-free at Citibank ATMs. Non-Citi ATMs cost $2.50 per transaction, and this fee cannot be waived on Regular Checking except through Citi Priority, Citigold, or Citigold Private Client status.
- Check writing: Yes
- FDIC: Citibank, N.A., Member FDIC. $250,000 per depositor, for each account ownership category.
- Institution: Citibank, N.A.
- Rates and fees verified: 2026-08-11
- Page updated: 2026-10-06
- Pros: No overdraft fees, versus $102 a day at Chase and $105 at Wells Fargo | No minimum opening deposit, and $250 in monthly deposits clears the fee | Safety Check and a Checking Plus credit line cover overdrafts
- Cons: The $2.50 non-Citi ATM fee cannot be waived without a relationship tier | $15 a month if the $250 deposit test is missed, and no published APY | Few branches outside a handful of large metro areas

#### [Current](https://financeradar.com/checking/current-checking)

A no-fee mobile checking account with Savings Pods paying up to 4.00% APY and fee-free overdraft up to $200.

- APY: 0%
- APY note: The spending account is explicitly not interest bearing per the Deposit Account Agreement. Savings Pods pay up to 4.00% APY at the Boost rate, which requires at least one Eligible Payroll Deposit of $200 or more over a 35 day period.
- Monthly fee: None
- Monthly fee waiver: No monthly fee to waive. A $5.00 monthly inactivity fee applies after twelve consecutive months of inactivity, and closing the account costs $10.00.
- Minimum to open: None
- Overdraft: No overdraft fees. Fee-free overdraft through Overdrive, commonly cited at up to $200, requires a minimum of $200 in Eligible Direct Deposits over the preceding 35 day period. The limit may vary and is subject to change, and balances must be repaid within 60 days of the first eligible transaction.
- ATM network: More than 40,000 fee-free Allpoint ATMs at retailers such as CVS, Walgreens, and McDonald's. Out of network withdrawals cost $3.50 each plus the operator's surcharge. Cash deposits at partner retailers cost $3.50.
- Check writing: No
- Early direct deposit: Eligible direct deposits released up to two days early.
- FDIC: Choice Financial Group, Member FDIC, and/or Cross River Bank, Member FDIC. Pass-through insurance up to $250,000, subject to conditions that may leave funds not fully insured.
- Institution: Finco Services, Inc. dba Current; banking services by Choice Financial Group and/or Cross River Bank
- Rates and fees verified: 2026-08-11
- Page updated: 2026-10-01
- Pros: No monthly fee, no minimum balance, and no overdraft fees | Savings Pods pay up to 4.00% APY with a $200 payroll deposit per 35 days | Fee-free overdraft and eligible direct deposits released up to 2 days early
- Cons: The spending balance pays no interest, only Savings Pods earn a rate | $10 account closure fee and $5 a month after 12 months of inactivity | No paper checks, $3.50 cash deposits, and 3% on foreign transactions

#### [OnePay Cash](https://financeradar.com/checking/onepay-cash)

OnePay Cash is a no-fee mobile checking and savings account paying 3.35% APY on savings and 3% back in one chosen category.

- APY: 0%
- APY note: Checking section is non-interest bearing at 0.00% APY. Savings pockets pay 3.35% APY (3.30% interest rate) per OnePay's rate sheet effective 8/1/2026; variable and can change without notice.
- Monthly fee: None
- Monthly fee waiver: Not applicable, the account has no monthly fee and no minimum balance
- Minimum to open: None
- Overdraft: $0 overdraft fee. Up to $200 Fee-Free Overdraft for accounts with $500+ in direct deposits in the current or previous month, 18+ only, repaid automatically from the next deposit. Savings Backup pulls from savings first when enabled.
- ATM network: Allpoint ATMs free; $3.00 OnePay Cash Out fee at non-Allpoint ATMs, plus any ATM operator fee
- Check writing: No
- Early direct deposit: Up to 2 days early with direct deposit, depending on when the employer sends payroll data
- FDIC: Pass-through FDIC insurance up to $250,000 per depositor at Coastal Community Bank or Lead Bank, Members FDIC
- Institution: Coastal Community Bank or Lead Bank (OnePay is a fintech, not a bank)
- Rates and fees verified: 2026-10-07
- Page updated: 2026-10-07
- Pros: $0 monthly fee, $0 minimum to open, no minimum balance for the APY | 3.35% APY on Savings pockets as of the 8/1/2026 rate sheet | Up to $200 fee-free overdraft with $500+ in monthly direct deposits
- Cons: Checking balance pays 0.00% APY, cash must be moved to savings | 3% category cash back caps at $150 spent a month, about $4.50 back | $3.00 fee at non-Allpoint ATMs and no joint accounts

#### [Quontic High Interest Checking](https://financeradar.com/checking/quontic-high-interest-checking)

A no-fee online checking account paying 1.10% APY, but only if you make 10 debit purchases of $10 or more each cycle.

- APY: 1.1%
- APY note: 1.10% APY on all balance tiers, rates effective August 3, 2026, and it requires at least 10 qualifying point of sale debit card transactions of $10.00 or more per statement cycle. Without the qualifying activity the rate drops to 0.01% APY.
- Monthly fee: None
- Monthly fee waiver: No monthly fee to waive. Quontic charges no monthly maintenance fee on this account.
- Minimum to open: $100
- Overdraft: No overdraft fees.
- ATM network: More than 90,000 surcharge-free ATMs through the AllPoint, MoneyPass, and SUM networks plus Citibank ATMs, at retailers including Target, Walgreens, CVS, Kroger, Safeway, and Circle K.
- Check writing: Yes
- FDIC: Quontic Bank, Member FDIC. Insured up to the maximum allowed by law, $250,000 per depositor, per ownership category.
- Institution: Quontic Bank
- Rates and fees verified: 2026-09-20
- Page updated: 2026-10-02
- Pros: 1.10% APY on all balance tiers, with no monthly fee and no overdraft fees | 90,000+ surcharge-free ATMs via AllPoint, MoneyPass, SUM, and Citibank | Free debit card and check writing, and $100 opens the account
- Cons: Miss the 10 debit purchases of $10+ and the rate drops to 0.01% APY | 1.10% trails plain high yield savings, so it is not a place to park cash | No early direct deposit and no branches, since Quontic is online only

#### [Schwab Bank Investor Checking](https://financeradar.com/checking/schwab-bank-investor-checking)

Unlimited worldwide ATM fee rebates and no foreign transaction fees, but it requires a linked Schwab brokerage account.

- APY note: Unverified. Schwab pays a small variable rate on this account, but its own rate pages were inaccessible during this review and independent 2026 sources quote 0.01%, 0.25%, and 0.45% APY for the same product. Confirm the current rate on schwab.com before opening.
- Monthly fee: None
- Monthly fee waiver: Not applicable, there is no monthly fee to waive.
- Minimum to open: None
- Overdraft: No overdraft fee. Overdrafts may be covered by a transfer from the linked Schwab One brokerage account, otherwise transactions may be declined.
- ATM network: Unlimited rebates of eligible ATM fees for cash withdrawals worldwide, at any ATM in any currency, with no stated cap.
- Check writing: Yes
- FDIC: Member FDIC, $250,000 per depositor, per ownership category
- Institution: Charles Schwab Bank, SSB
- Rates and fees verified: 2026-10-06
- Page updated: 2026-10-06
- Pros: Unlimited worldwide ATM fee rebates with no stated monthly cap | No foreign transaction fee on debit card purchases abroad | No monthly fee, no minimum balance, and free standard checks
- Cons: Requires opening and holding a linked Schwab One brokerage account | Current APY could not be verified, with sources quoting 0.01% to 0.45% | Poor fit for cash deposits and no meaningful branch banking

#### [SoFi Checking and Savings](https://financeradar.com/checking/sofi-checking)

SoFi's checking side pays 0.50% APY with no monthly fee and pairs with a far higher yielding savings account.

- APY: 0.5%
- APY note: 0.50% APY on checking balances. The linked savings account pays materially more, reported at 4.20% APY with a qualifying direct deposit and 1.20% APY without, as of August 2026. Savings rates are variable and quoted figures varied across 2026 sources.
- Monthly fee: None
- Monthly fee waiver: Not applicable, there is no monthly fee to waive.
- Minimum to open: None
- Overdraft: Up to $50 of fee-free overdraft coverage for members with a qualifying direct deposit. Larger overdrafts are declined and there is no overdraft fee in any case.
- ATM network: 55,000+ fee-free Allpoint ATMs at retailers including Target, CVS, Walgreens, and Kroger.
- Check writing: No
- Early direct deposit: Up to 2 days before the scheduled pay date.
- FDIC: Member FDIC, $250,000 per depositor. SoFi's partner bank sweep program extends coverage up to $2 million.
- Institution: SoFi Bank, N.A.
- Rates and fees verified: 2026-08-11
- Page updated: 2026-10-05
- Pros: 0.50% APY on checking with no monthly fee and no minimum balance | 55,000+ fee-free Allpoint ATMs and pay up to 2 days early | FDIC coverage extended to $2 million via the partner bank sweep
- Cons: Top savings rate and overdraft coverage both require a direct deposit | Overdraft coverage caps at $50, low next to Chime's $200 | No paper checkbook and no branch network

#### [Upgrade Rewards Checking Preferred](https://financeradar.com/checking/upgrade-rewards-checking-preferred)

Upgrade's fee-free checking pays 2% back in five everyday categories, but only if $1,000 a month lands by direct deposit.

- APY: 0%
- APY note: Rewards Checking Preferred accounts do not earn APY. A paired Performance Savings account earns 3.05% APY with $1,000+ in monthly direct deposits (rate effective 10/31/2025), otherwise 1.5% APY (effective 6/1/2023).
- Monthly fee: None
- Monthly fee waiver: Not applicable, there is no monthly maintenance fee and no minimum balance requirement
- Minimum to open: None
- Overdraft: No overdraft fees. Upgrade blocks overspending rather than covering it; optional Bill Pay Guard pulls from a linked Performance Savings account to cover scheduled bill payments.
- ATM network: Allpoint, 55,000+ fee-free ATMs; $2.50 per out-of-network withdrawal plus third-party ATM fees
- Check writing: No
- Early direct deposit: Up to 2 days early, limited to direct deposits under $5,000
- FDIC: Checking insured up to $250,000 through Cross River Bank, Member FDIC
- Institution: Cross River Bank (Upgrade, Inc. is a fintech, not a bank)
- Rates and fees verified: 2026-10-02
- Page updated: 2026-10-02
- Pros: 2% cash back on gas, dining, drugstores, utilities, and subscriptions | No monthly fee, no minimum balance, no overdraft fees | Free at 55,000+ Allpoint ATMs and pay up to 2 days early
- Cons: Zero cash back below $1,000 in monthly direct deposits after 60 days | 2% rewards capped at $500 a year ($25,000 of category spend) | Checking pays 0% APY and debit charges 3% on foreign purchases

#### [Varo Bank Account](https://financeradar.com/checking/varo-bank-account)

A no-fee mobile checking account from a fully chartered national bank, with cash advances up to $500.

- APY: 0%
- APY note: The Varo Bank Account pays no interest. The separate Varo Savings Account pays 3.75% APY on balances up to $5,000 with $1,000 or more in monthly direct deposits and a positive month-end balance, and 1.00% APY otherwise and above $5,000, accurate as of July 1, 2026.
- Monthly fee: None
- Monthly fee waiver: Not applicable, there is no monthly fee to waive.
- Minimum to open: None
- Overdraft: No overdraft fees. Transactions are declined when funds are insufficient. Varo Advance offers cash advances from $20, with limits up to $250 at first and up to $500 with repayment history and direct deposits of $800 or more. Varo quotes advance fees in a $1.60 to $100 range depending on the amount, repaid in 15 to 30 days with no interest.
- ATM network: Over 40,000 fee-free Allpoint ATMs. $3.50 per cash withdrawal at out-of-network and international ATMs.
- Check writing: No
- Early direct deposit: Up to 2 days earlier than the scheduled pay date.
- FDIC: Member FDIC, $250,000 per depositor. Varo Bank, N.A. holds its own national bank charter.
- Institution: Varo Bank, N.A.
- Rates and fees verified: 2026-10-06
- Page updated: 2026-10-06
- Pros: A fully chartered national bank, not a fintech on a partner bank | No monthly fee, no minimum deposit, and no overdraft fees | 40,000+ fee-free Allpoint ATMs and pay up to 2 days early
- Cons: The bank account pays 0% APY and savings caps 3.75% at $5,000 | Varo Advance fees run $1.60 to $100 and are costly when annualized | $3.50 per out-of-network or international ATM withdrawal, no checks

#### [Wells Fargo Everyday Checking](https://financeradar.com/checking/wells-fargo-everyday-checking)

Wells Fargo's basic checking account now costs $15 a month, up from $10, with a balance waiver that tripled to $1,500.

- APY: 0%
- APY note: Non-interest bearing. Wells Fargo does not publish an APY for Everyday Checking.
- Monthly fee: $15
- Monthly fee waiver: $0 per fee period with any one of: $500 or more in total qualifying electronic deposits; a $1,500 minimum daily balance; $5,000 or more in qualifying deposit balances, investment balances, or both; primary account owner aged 17 to 24; or a qualifying monthly non-civilian military direct deposit.
- Minimum to open: $25
- Overdraft: $35 per item, no more than three fees per business day ($105). The Extra Day Grace Period waives the associated overdraft fees if your available balance covers the prior business day's overdraft items as of midnight Eastern time.
- ATM network: Fee-free at Wells Fargo ATMs. Non-Wells Fargo ATMs cost $3.00 per withdrawal in the US and $5.00 internationally, plus the operator's surcharge.
- Check writing: Yes
- Early direct deposit: Early Pay Day makes eligible direct deposits available up to two business days early, applied automatically with no enrollment.
- FDIC: Wells Fargo Bank, N.A., Member FDIC. $250,000 per depositor, per ownership category.
- Institution: Wells Fargo Bank, N.A.
- Rates and fees verified: 2026-10-05
- Page updated: 2026-10-05
- Pros: $0 fee for account owners aged 17 to 24, with no deposit or balance test | Early Pay Day releases eligible direct deposits up to 2 days early | $25 to open, and $500 in electronic deposits clears the fee waiver
- Cons: Fee rose from $10 to $15, and the balance waiver tripled to $1,500 | Overdrafts cost $35 each, up to three per business day, so $105 | Pays no interest at any balance

### Money market accounts (6)

#### [Ally Bank Money Market Account](https://financeradar.com/money-market/ally-money-market)

Ally pays 3.00% APY on all balances with a debit card, checks and 75,000 plus fee free Allpoint and MoneyPass ATMs.

- APY: 3%
- APY note: 3.00% APY on all balance tiers, variable, last updated August 11, 2026; interest compounds daily
- Monthly fee: None
- Minimum to open: None
- ATM network: 75,000 plus Allpoint and MoneyPass ATMs fee free, plus up to $10 per statement cycle reimbursed for out of network ATM fees; $1,000 daily ATM withdrawal limit
- Check writing: Yes
- FDIC: FDIC insured, $250k per depositor per ownership category
- Institution: Ally Bank
- Rates and fees verified: 2026-09-22
- Page updated: 2026-10-05
- Pros: Debit card plus checks, with unlimited fee free withdrawals at 75,000 plus ATMs | Up to $10 per statement cycle reimbursed for out of network ATM fees | No minimum deposit, no monthly fee, no overdraft fees, 3.00% on all balances
- Cons: 3.00% APY trails the roughly 4.00% top of market, about $100 a year per $10,000 | Non ATM transactions capped at 10 per statement cycle | $1,000 daily ATM withdrawal limit constrains large cash needs

#### [First Internet Bank Money Market Savings](https://financeradar.com/money-market/first-internet-bank-money-market)

First Internet Bank pays 3.09% APY but charges $5 a month unless you keep a $4,000 average daily balance.

- APY: 3.09%
- APY note: 3.09% APY on daily balances of $1,000,000 or less, 3.64% on balances above $1,000,000; rates last updated 6/16/2026
- Monthly fee: $5
- Minimum to open: $100
- ATM network: Debit card ATM access with up to $10 per month in surcharge rebates; $750 daily ATM withdrawal limit
- Check writing: No
- FDIC: FDIC insured, $250k per depositor for each account ownership category
- Institution: First Internet Bank of Indiana
- Rates and fees verified: 2026-10-05
- Page updated: 2026-10-05
- Pros: 3.64% APY on the portion of a balance above $1,000,000 | No balance requirement to earn the disclosed APY, and $100 opens it | Debit card ATM access with up to $10 a month in surcharge rebates
- Cons: $5 monthly fee unless the average daily balance stays at $4,000 | No paper checks; a cashier's check costs $5 each | 3.09% base tier trails top money market rates by close to a point

#### [Prime Alliance Bank Personal Money Market](https://financeradar.com/money-market/prime-alliance-bank-money-market)

Prime Alliance Bank pays 3.75% APY on its personal money market with no monthly fee and no minimum balance.

- APY: 3.75%
- APY note: 3.69% interest rate, 3.75% APY, single tier applied to all balances, interest paid monthly; variable and may change without notice, no effective date published
- Monthly fee: None
- ATM network: None reported; no debit or ATM card issued with the money market account
- FDIC: FDIC insured, backed by the full faith and credit of the U.S. government
- Institution: Prime Alliance Bank
- Rates and fees verified: 2026-09-23
- Page updated: 2026-10-06
- Pros: 3.75% APY on all balances, near the top of nationally available rates | No monthly maintenance fee and no minimum balance requirement | Single rate tier, so small balances earn the same as large ones
- Cons: No debit or ATM card, so the balance is not directly spendable | $25 fee per withdrawal beyond six per month, steeper than the usual $10 | No rate effective date published, so verify the APY before funding

#### [Quontic Bank Money Market Account](https://financeradar.com/money-market/quontic-money-market)

Quontic pays 3.80% APY on every balance tier, with a $100 opening deposit, a debit card and check writing.

- APY: 3.8%
- APY note: Same 3.80% APY across all three balance tiers; variable rate, effective April 14, 2026
- Monthly fee: None
- Minimum to open: $100
- ATM network: About 90,000 surcharge free ATMs nationwide
- Check writing: Yes
- FDIC: FDIC insured, $250k per depositor per ownership category
- Institution: Quontic Bank
- Rates and fees verified: 2026-08-11
- Page updated: 2026-10-05
- Pros: 3.80% APY applies to every balance tier, no breakpoints to chase | No monthly fee, no minimum balance, and $100 opens the account | Debit card, check writing and about 90,000 surcharge free ATMs
- Cons: Variable rate: the 3.80% dates to April 14, 2026 and can change any day | Best money market rates reached roughly 4.00% in August 2026 | Online only bank, so no branch for in person service

#### [Sallie Mae Bank Money Market Account](https://financeradar.com/money-market/sallie-mae-money-market)

Sallie Mae Bank pays 3.50% APY with no minimum deposit, no monthly fee and checks written straight from the account.

- APY: 3.5%
- APY note: 3.44% interest rate, 3.50% APY, variable and accurate as of 08/11/2026; single flat rate with no balance tiers
- Monthly fee: None
- Minimum to open: None
- ATM network: None; no ATM or debit card access, withdrawals go out by transfer, check or wire
- Check writing: Yes
- FDIC: FDIC insured, $250k per depositor, per insured bank, per ownership category
- Institution: Sallie Mae Bank
- Rates and fees verified: 2026-09-18
- Page updated: 2026-10-07
- Pros: 3.50% APY with $0 minimum deposit and $0 minimum balance to earn it | No monthly maintenance fee and one flat rate on all balances | Check writing straight from the account, useful for large one off payments
- Cons: No debit card and no ATM access, so cash requires an external transfer | Six transactions per statement cycle, then $10 per excess transaction | 3.50% trails the roughly 4.00% top of market money market rates

#### [UFB Direct Portfolio Money Market Account](https://financeradar.com/money-market/ufb-money-market)

UFB Direct pays 3.26% APY on every balance tier but charges $10 a month unless you hold $5,000.

- APY: 3.26%
- APY note: 3.26% APY on a 3.21% rate, applied uniformly across all five balance tiers from $0 to $100,000 and up; variable
- Monthly fee: $10
- Minimum to open: None
- Check writing: Yes
- FDIC: FDIC insured, certificate 35546, $250k individual and $500k joint; expanded coverage to $265MM via InsureGuard+
- Institution: UFB Direct, a division of Axos Bank
- Rates and fees verified: 2026-08-11
- Page updated: 2026-10-07
- Pros: 3.26% APY applied uniformly across every balance tier | No minimum opening deposit, and check writing plus a debit card included | Expanded FDIC coverage to $265MM available via InsureGuard+ sweep
- Cons: $10 monthly fee unless you hold $5,000, which sinks small balances | 3.26% sits well below the roughly 4.00% top of market | UFB has a record of launching newer, higher paying account names

### Private credit and alternative investing platforms (33)

#### [Fundrise](https://financeradar.com/private-credit/fundrise)

$10 minimum, non-accredited real estate and credit funds with gated quarterly liquidity

- Minimum investment: $10
- Accreditation: partial
- Fees: 1.00% all-in on real estate funds (0.15% advisory + 0.85% management); Innovation Fund 1.85%; OCF II 1.75% management + 20% incentive over a 10% preferred return
- Target return: Platform-reported: Income accounts 7.57% for twelve months ended 3/31/26; OCF I 12.8% annualized distribution (Oct 2025); OCF II targets 9-11% net
- Liquidity: Quarterly redemption windows with possible penalties or gates on core funds; OCF II has no redemption provision
- Founded: 2012
- Rates and fees verified: 2026-07-23
- Page updated: 2026-10-01
- Pros: Cheapest and most accessible diversified entry in the niche | Clean regulatory record since 2012 | Credit sleeve genuinely benefits from banks' retreat from lending
- Cons: eREIT NAVs are self-marked | Redemptions can be gated exactly when you want out; queues formed in 2022-23 | Growth-oriented funds posted flat-to-negative returns 2022-2024

#### [Percent](https://financeradar.com/private-credit/percent)

$500 minimum, accredited-only marketplace for short-duration asset-backed private credit

- Minimum investment: $500
- Accreditation: Required
- Fees: Up to 10% of interest earned on direct deals (charged against yield, not principal, disclosed per offering); Blended Notes ~1% management fee
- Target return: Platform-reported 14.6% net on asset-backed deals after losses (LTM ended 3/31/26); current coupons roughly 11-19%
- Liquidity: No secondary market; hold to maturity over 6-36 month terms
- Founded: 2018
- Rates and fees verified: 2026-10-03
- Page updated: 2026-10-03
- Pros: Highest genuine deal-level transparency in the niche | Short durations limit rate risk | Low $500 minimum for the accredited space
- Cons: Accredited investors only | Underlying borrowers are non-bank lenders (MCA, LatAm SMB), the riskiest end of private credit | Deal defaults do occur and recovery can be slow

#### [AcreTrader](https://financeradar.com/private-credit/acretrader)

$10,000+ accredited farmland deals, Proterra-owned, decade-scale holds

- Minimum investment: $10,000
- Accreditation: Required
- Fees: 0.75% annual administration on farm value + ~2-2.5% formation/closing costs at purchase + 5% disposition fee at sale
- Target return: Historically targeted 7-9% total (3-5% cash yield plus appreciation, platform-reported)
- Liquidity: 5-10 year holds; essentially no interim liquidity
- Founded: 2018
- Rates and fees verified: 2026-07-23
- Page updated: 2026-10-03
- Pros: Cleanest track record in retail farmland | Proterra ownership adds balance-sheet stability | Farmland's low correlation is genuine
- Cons: Accredited investors only | Decade-scale illiquidity | 5% disposition fee plus 2-2.5% formation costs meaningfully trim modest returns

#### [Blackstone Private Credit Fund (BCRED)](https://financeradar.com/private-credit/bcred)

$2,500 via advisor: the largest non-traded BDC, ~9% distributions, gated exits

- Minimum investment: $2,500
- Accreditation: Not required
- Fees: 1.25% management on net assets + 12.5% incentive on income (5% hurdle) + servicing (Class S 0.85%, Class D 0.25%) + upfront placement fees up to ~3.5% on Class S
- Target return: ~9.0% annualized on NAV after the June 2026 cut to $0.18/share Class I (issuer-reported)
- Liquidity: Quarterly share repurchases capped at 5% of shares outstanding; board can suspend
- Founded: 2021
- Rates and fees verified: 2026-07-23
- Page updated: 2026-10-02
- Pros: Institutional credit quality unavailable on retail marketplaces | Consistent distribution history since 2021 | Scale and first-lien focus
- Cons: Fee stack consumes a large slice of gross yield | 5% quarterly repurchase cap is a gate by design; the board can suspend it | NAV is self-marked and has drifted down modestly

#### [Arrived](https://financeradar.com/private-credit/arrived)

$100 fractional rentals plus the Real Estate Income Fund, no accreditation

- Minimum investment: $100
- Accreditation: Not required
- Fees: Homes: one-time sourcing fee built into the offering price, not published as a single percent; 0.15% of purchase price per quarter asset management on single-family homes (0.25%/quarter for the SFR Fund, ~0.1%/quarter on vacation rentals); 8-25% of rents for property management. Real Estate Income Fund (formerly the Private Credit Fund): 0.3% of net assets per quarter asset management (about 1.2%/yr); total annual fee, organizational fee and promote not stated on Arrived's current pages. Secondary market: 1% broker-dealer fee plus 1% ATS fee, 2% total per transaction. All per Arrived's help center, checked September 25, 2026.
- Target return: Arrived's Real Estate Income Fund page shows a 12-month historical annualized yield of 8.3%, a current yield of 7.3%, and a 7-9% target range after fees, checked September 25, 2026; rental homes often 2-4% cash yield plus hoped-for appreciation
- Liquidity: Homes: 5-7 year holds with very limited early liquidity, plus a not-guaranteed monthly-window secondary market; Real Estate Income Fund: six-month hard lock, then quarterly redemption windows capped at 5% of NAV
- Founded: 2019
- Rates and fees verified: 2026-10-03
- Page updated: 2026-09-25
- Pros: Easiest on-ramp to residential real estate anywhere | PCF is a legitimately clean 8%+ product with a spotless record so far (platform-reported) | Non-accredited access at $100
- Cons: Heavy stacked fees on the equity product eat most rental cash flow | Individual homes are 5-7 year holds with very limited early liquidity | The PCF's short track record spans no housing-credit downturn

#### [Blue Owl Credit Income Corp (OCIC)](https://financeradar.com/private-credit/ocic)

$2,500 via advisor: Blue Owl's senior-lending BDC, ~8.6% distributions, gated exits

- Minimum investment: $2,500
- Accreditation: Not required
- Fees: 1.25% management + 12.5% incentive over hurdle + servicing (Class S 0.85%, Class D 0.25%); placement fees on S
- Target return: ~8.6% annualized distribution rate on Class I NAV as of the June 2026 declaration (issuer-reported)
- Liquidity: Quarterly repurchases capped at 5% of shares; suspendable
- Founded: 2020
- Rates and fees verified: 2026-10-02
- Page updated: 2026-10-02
- Pros: Near-BCRED quality with slightly different sector tilts | Long distribution consistency | No enforcement issues
- Cons: Same structural fee drag as all perpetual BDCs | Gated liquidity: 5% quarterly repurchase cap | Rate cuts compress forward yield

#### [Groundfloor](https://financeradar.com/private-credit/groundfloor)

$10-per-loan fix-and-flip debt, no accreditation, going-concern risk at the operator

- Minimum investment: $100
- Accreditation: Not required
- Fees: No investor-side fees on LROs, Notes, or the Flywheel Portfolio; borrowers pay origination and servicing
- Target return: Platform-reported ~10% average annualized since 2013 with sub-1% principal loss ratio
- Liquidity: No early exit on LROs; 6-18 month terms
- Founded: 2013
- Rates and fees verified: 2026-09-21
- Page updated: 2026-09-25
- Pros: Lowest barrier to real-estate debt anywhere | Borrower-paid fee model leaves investor yield intact | Long, transparent loan-level track record through two rate cycles
- Cons: Going-concern warnings on the platform operator itself, two years running | Defaults are routine and workouts take months to years | Returns concentrated in high-risk fix-and-flip credit

#### [Apollo Debt Solutions BDC (ADS)](https://financeradar.com/private-credit/apollo-debt-solutions)

$2,500 via advisor: Apollo's retail BDC, biggest yield of the big three, gated exits

- Minimum investment: $2,500
- Accreditation: Not required
- Fees: 1.25% management + 12.5% incentive over 5% hurdle (per prospectus) + class-level servicing/placement fees
- Target return: 9.03% annualized distribution rate, Class I, as of 5/19/26 (issuer-reported)
- Liquidity: Quarterly repurchase program with caps
- Founded: 2020
- Rates and fees verified: 2026-10-07
- Page updated: 2026-10-07
- Pros: Highest headline distribution of the big three as of mid-2026 (issuer-reported) | Genuine large-borrower book | Apollo's origination scale
- Cons: Same gates and fee stack as all perpetual BDCs | Law-firm scrutiny of sales practices in the distribution channel | NAV marks are issuer-controlled

#### [FarmTogether](https://financeradar.com/private-credit/farmtogether)

$15,000 accredited permanent-crop farmland deals with deal-by-deal fee structures

- Minimum investment: $15,000
- Accreditation: Required
- Fees: Deal-dependent: ~1-2% one-time at close, 1-2% annual management, plus NOI fees (up to 5%, or 20% of gross lease revenue on some row-crop deals)
- Target return: Platform-reported target net IRRs ~6-13% depending on crop type
- Liquidity: 5-12 year holds; no liquidity
- Founded: 2017
- Rates and fees verified: 2026-07-23
- Page updated: 2026-10-07
- Pros: Deeper permanent-crop expertise than rivals | Active 2026 pipeline proves the platform is healthy | No enforcement history
- Cons: Fee structures vary confusingly by deal | Permanent crops carry operational risk: water, disease, commodity prices | Accredited-only, with real minimums higher than advertised

#### [EquityMultiple](https://financeradar.com/private-credit/equitymultiple)

$5,000 accredited CRE platform; fee-free short-term Alpine Notes are the flagship

- Minimum investment: $5,000
- Accreditation: Required
- Fees: No fee on Alpine Notes; ~1% on debt/preferred deals; 0.5-1.5% on equity deals plus $30-70/yr admin fee and a promote on some equity deals
- Target return: Platform-reported Alpine Note APYs roughly 7.35-9.00% by term (3-9 months); deal-level target IRRs vary
- Liquidity: Alpine Notes mature in 3-9 months; equity deals lock capital 3-7 years
- Founded: 2015
- Rates and fees verified: 2026-10-07
- Page updated: 2026-09-25
- Pros: Alpine Notes are one of the cleanest short-term yield products in the niche, with no missed or late interest payments to date (platform-reported) | Genuine diversification across debt, preferred, and equity | Over $1.5B cumulative investment volume (platform-reported)
- Cons: Alpine Notes are obligations of EquityMultiple itself, not FDIC-insured or guaranteed | Equity side carries full CRE cycle risk with 3-7 year lockups | Accredited investors only

#### [SPDR SSGA Apollo IG Public & Private Credit ETF (PRIV)](https://financeradar.com/private-credit/priv-etf)

One share at any brokerage: the first private-credit ETF, liquid but diluted exposure

- Minimum investment: $0
- Accreditation: Not required
- Fees: 0.70% expense ratio
- Target return: Investment-grade income profile, lower than BDCs (fund-reported)
- Liquidity: Daily on-exchange liquidity
- Founded: 2025
- Rates and fees verified: 2026-10-04
- Page updated: 2026-10-04
- Pros: Only truly liquid, zero-minimum private-credit exposure | Investment-grade quality | No accreditation, no lockups, no gates
- Cons: Diluted private-credit content; can fall below 10% | Yield far below direct platforms | SEC questioned naming and liquidity mechanics at launch; questions unresolved

#### [iCapital](https://financeradar.com/private-credit/icapital)

Advisor-gated alt-fund rails with $100,000+ feeder minimums; no direct retail signup

- Minimum investment: $100,000
- Accreditation: Required
- Fees: Feeder-level servicing/administration fees layered on underlying fund fees (varies by fund)
- Target return: n/a (conduit, not issuer)
- Liquidity: Depends on the underlying fund; typically interval or tender-offer structures
- Founded: 2013
- Rates and fees verified: 2026-07-23
- Page updated: 2026-10-03
- Pros: Unmatched fund shelf and diligence tooling | Hundreds of billions in serviced platform assets
- Cons: No direct retail access; it is plumbing for advisors | Feeder fees layer on top of underlying fund fees | Minimums typically $100,000-$250,000, often qualified-purchaser gated

#### [Prosper](https://financeradar.com/private-credit/prosper)

$25 consumer-loan notes, no accreditation, 20-year P2P lending track record

- Minimum investment: $25
- Accreditation: Not required
- Fees: 1% annual servicing fee on outstanding note principal
- Target return: Platform-reported 5.2-5.3% average historical return (as of 3/31/25)
- Liquidity: None; notes amortize over 2-5 year terms, no secondary market since 2016
- Founded: 2005
- Rates and fees verified: 2026-10-03
- Page updated: 2026-09-25
- Pros: 20-year track record through multiple credit cycles | Trivial $25 minimum | Genuine borrower-payment-dependent yield
- Cons: Returns now barely above T-bills for unsecured consumer risk | Notes are unguaranteed obligations of Prosper Funding; a Prosper Funding bankruptcy could delay or reduce payments | Zero liquidity; no secondary market since 2016

#### [CAIS](https://financeradar.com/private-credit/cais)

Advisor-only alts platform serving 7,400+ firms; institutional diligence, no retail door

- Accreditation: Required
- Fees: Platform/feeder fees layered on underlying fund fees
- Target return: n/a (conduit, not issuer)
- Liquidity: Depends on the underlying fund
- Founded: 2009
- Rates and fees verified: 2026-07-23
- Page updated: 2026-10-05
- Pros: Institutional diligence via Mercer vetting | Massive advisor network: $3T+ in network assets | Feeder structure lowers minimums versus direct fund investment
- Cons: Zero direct retail access; advisor-only | Platform and feeder fees layer on fund fees

#### [Masterworks](https://financeradar.com/private-credit/masterworks)

Referral-only fractional blue-chip art at $20 a share, no accreditation required

- Accreditation: Not required
- Fees: 1.5% annual management fee (Management Fee Shares) + 20% of profit on sale (Class B shares) + a one-time 10% expense allocation embedded in each work's initial offering price, per Masterworks' SEC Form 1-A/A offering circular filed May 6, 2026
- Target return: Platform-reported per masterworks.com, checked September 25, 2026: 530+ works acquired, 32 sold, $77M+ distributed to investors including original capital, net annualized returns on sold works of 16.5%, 17.6% and 17.8%; unsold inventory dominates
- Liquidity: 3-10 year target holds; thin internal secondary market opening 90 days after an offering closes
- Founded: 2017
- Rates and fees verified: 2026-09-25
- Page updated: 2026-09-25
- Pros: Only scaled route to contemporary-art exposure | Sold-work record is genuinely positive so far (platform-reported) | No enforcement actions on record
- Cons: Triple fee stack consumes a large share of gross appreciation | You cannot force a sale; 3-10 year target holds | Art pricing is opaque and cyclical

#### [Wefunder](https://financeradar.com/private-credit/wefunder)

$100 community rounds for YC-adjacent startups; illiquid venture risk, past FINRA fine

- Minimum investment: $100
- Accreditation: partial
- Fees: 2% ACH fee (min $8, max $150) on standard Reg CF; 5.5% + $2 by card; up to 20% carried interest on Reg D SPVs
- Target return: No distributions to speak of; venture outcomes
- Liquidity: Total illiquidity; venture timelines
- Founded: 2012
- Rates and fees verified: 2026-07-23
- Page updated: 2026-10-03
- Pros: Best startup quality signal of the three big portals | Founder-friendly reputation attracts real deal flow | Currently a FINRA member in good standing
- Cons: Past FINRA fine: $1.4M for Reg CF rule violations | Up to 20% carried interest on accredited SPVs is hedge-fund pricing for venture risk | Total illiquidity; no distributions to speak of

#### [Worthy Bonds](https://financeradar.com/private-credit/worthy-bonds)

$10 fixed-rate bonds open to all, funding property developers via one small issuer

- Minimum investment: $10
- Accreditation: Not required
- Fees: None: no purchase, withdrawal, or transfer fees
- Target return: Fixed 5.5% (Community Bonds, 36-month) and 6.5% APY (Property Bonds), platform-reported, after the 7% promo expired Jan 1, 2026
- Liquidity: Redeemable anytime; withdrawals over $50,000 can take up to 30 days
- Founded: 2016
- Rates and fees verified: 2026-10-01
- Page updated: 2026-10-01
- Pros: Simplest product in the niche | Genuine anytime liquidity so far | Open to everyone with no accreditation
- Cons: Single-issuer concentration risk on a small private company | Anytime withdrawal is a promise, not a legal right at scale | Yield premium over T-bills is now modest for the risk

#### [RealtyMogul](https://financeradar.com/private-credit/realtymogul)

$5,000 non-traded REITs open to all; one REIT's distributions paused in 2026

- Minimum investment: $5,000
- Accreditation: partial
- Fees: ~1-1.25% annual on the REITs; private-placement fees set per deal by sponsors
- Target return: Income REIT historically targeted 6-8% annualized distributions (platform-reported); Apartment Growth REIT distributions currently paused
- Liquidity: Limited, discountable share repurchase programs; effectively multi-year money
- Founded: 2012
- Rates and fees verified: 2026-10-07
- Page updated: 2026-10-07
- Pros: One of the oldest survivors in the category | Non-accredited REIT access with a long income history | No enforcement actions on record
- Cons: Apartment Growth REIT distributions paused entirely: a live warning, not a hypothetical | Income REIT cut from monthly to quarterly distributions in January 2026 | Limited, discountable liquidity; effectively multi-year money

#### [StartEngine](https://financeradar.com/private-credit/startengine)

$100+ equity crowdfunding at scale; venture lottery tickets, never income

- Minimum investment: $100
- Accreditation: partial
- Fees: ~3.5% investor transaction fee on many deals; Venture Club $275/yr; StartEngine Private funds carry fund-style fees and carry
- Target return: No meaningful realized-return data; startup equity outcomes
- Liquidity: Illiquid indefinitely; StartEngine Secondary is an experiment
- Founded: 2014
- Rates and fees verified: 2026-07-23
- Page updated: 2026-10-02
- Pros: Biggest menu in equity crowdfunding | Genuine pre-IPO brand names on the Private side | Minimums as low as $100, no accreditation needed on Reg CF and Reg A deals
- Cons: Investor-side fees (~3.5%) are unusual for the category | Heavy self-promotion; the company raises repeatedly from its own crowd | Expect zeros, not yield: no meaningful realized-return data

#### [Republic](https://financeradar.com/private-credit/republic)

$10 crowdfunding plus $50 token-wrapped SpaceX exposure in a regulatory gray zone

- Minimum investment: $10
- Accreditation: partial
- Fees: 2.5% investor administrative fee on many offerings ($5 min, $250 cap; some fee-free); token products have embedded economics
- Target return: No realized-return dataset; Mirror Tokens track private valuation marks without conferring equity
- Liquidity: Illiquid; Mirror Tokens carry a 1-year hold before planned INX trading
- Founded: 2016
- Rates and fees verified: 2026-07-23
- Page updated: 2026-10-07
- Pros: Cheapest exposure to the hottest private names anywhere | Huge international footprint via Seedrs | Menu spans startups, real estate, crypto and gaming
- Cons: Mirror Tokens are unsecured derivative-like claims on Republic entities, not stock | Regulatory status of the token program is unresolved | Core crowdfunding carries standard startup-mortality risk

#### [Vinovest](https://financeradar.com/private-credit/vinovest)

Wine and whiskey from $300, no accreditation; 2.5-2.85% all-in fees on managed tiers

- Minimum investment: $300
- Accreditation: Not required
- Fees: Managed tiers 2.85% (Starter, $5k) / 2.7% (Plus, $10k) / 2.5% (Premium, $50k) annually, covering storage, insurance, sourcing; no separate trading commissions
- Target return: Cites ~10% long-run fine-wine index returns (index-level, platform-reported); the actual 2023-2025 fine-wine market was negative
- Liquidity: Selling can take weeks to months; no guaranteed exit
- Founded: 2019
- Rates and fees verified: 2026-10-03
- Page updated: 2026-10-03
- Pros: Real asset with bonded, insured custody | Low $300 whiskey entry point | Fees are all-in with no hidden trading commissions
- Cons: Fine wine has been in a multi-year price slump (negative 2023-2025) | 2.5-2.85% annual fees are punishing on a flat asset | Exit liquidity is slow and price-taking, with no guaranteed exit

#### [Honeycomb Credit](https://financeradar.com/private-credit/honeycomb-credit)

$100 community loans to main-street businesses, open to all; defaults run high

- Minimum investment: $100
- Accreditation: Not required
- Fees: Percentage-based transaction fee capped at $10 per investment; no account fees
- Target return: Offered loan rates 6-14%, mostly quarterly-pay 60-month terms (platform-reported)
- Liquidity: None; hold to maturity, mostly 60-month terms
- Founded: 2017
- Rates and fees verified: 2026-10-07
- Page updated: 2026-10-07
- Pros: Genuine community-finance story | Open to everyone at $100 | Borrower quality is visible: you can visit the shop
- Cons: Investor-reported defaults run well above the platform's self-reported ~3% figure | Small-business default risk is high and lumpy; recovery is slow | 5-year illiquid terms

#### [CrowdStreet](https://financeradar.com/private-credit/crowdstreet)

Accredited-only commercial real estate fund platform, from $25,000 per fund

- Minimum investment: $25,000
- Accreditation: Required
- Fees: Historically no direct platform fee to investors (sponsor-paid); fund-level fees vary; managed accounts charge advisory fees
- Target return: Not published; the platform does not prominently market realized returns
- Liquidity: Multi-year lockups; no redemption on closed-end funds
- Founded: 2013
- Rates and fees verified: 2026-07-23
- Page updated: 2026-09-25
- Pros: Institutional fund shelf is more diversified than single-sponsor deals | Custody and escrow controls run through a broker-dealer structure | Self-directed IRA support for retirement money
- Cons: Accredited investors only, with $25,000 to $100,000 minimums per fund | Closed-end funds lock money up for several years with no redemption | Its former marketplace hosted the Nightingale fraud (about $62.8M from CrowdStreet investors; sponsor sentenced in 2025)

#### [Willow Wealth](https://financeradar.com/private-credit/willow-wealth)

$5,000 multi-asset alternatives platform (formerly Yieldstreet), mostly for accredited investors

- Minimum investment: $5,000
- Accreditation: partial
- Fees: Embedded fund fees roughly 1-4% by vehicle; Willow 360 advisory fee 1.25% flat plus ~0.175% expenses
- Target return: Historically advertised 9-12% target IRRs (platform-reported)
- Liquidity: Mostly illiquid, 1-5+ year terms; evergreen funds have periodic redemption windows
- Founded: 2015
- Rates and fees verified: 2026-07-23
- Page updated: 2026-09-25
- Pros: Broadest alternative-asset menu available to individuals | Pivot to brand-name institutional managers de-risks the product shelf | New leadership (E*TRADE's former CEO) installed May 2025
- Cons: Settled SEC charges in September 2023 over undisclosed risks in a vessel-deconstruction offering (more than $1.9M in penalties, disgorgement, and interest) | $6.2M investor class-action settlement, final court approval February 2025 | Legacy deals still working out; mostly illiquid 1-5+ year terms

#### [Ark7](https://financeradar.com/private-credit/ark7)

Fractional shares of US rental homes from $20 with monthly distributions and a 12-month lockup before resale.

- Minimum investment: $20
- Accreditation: Not required
- Fees: One-time sourcing fee of about 3% of the property price; 8 to 15% of rental income for management (typically 10% long-term, up to 15% short-term rentals); IRA custodial fee of $100 per property per year, capped at $400 and waived above a $100,000 balance
- Target return: No published target; independent April 2026 review measured roughly 4.2 to 4.5% portfolio cash yield, paid monthly, plus any appreciation; not guaranteed
- Liquidity: 12-month minimum hold per purchase, then resale on Ark7's trading market via SEC-registered PPEX ATS; fills depend on buyer demand and are not guaranteed
- Founded: 2018
- Rates and fees verified: 2026-10-03
- Page updated: 2026-10-03
- Pros: $20 per share entry, no accreditation needed for standard Regulation A offerings | Monthly rental distributions: $4MM+ paid to investors as of May 2026 | Built-in resale market via SEC-registered PPEX ATS after the 12-month hold
- Cons: Fee stack: about 3% one-time sourcing plus 8 to 15% of rental income for management | Every purchase is locked for 12 months and resale fills are not guaranteed | Small platform: about $30MM funded since 2018 and roughly $11M in venture backing

#### [Concreit](https://financeradar.com/private-credit/concreit)

Concreit is a $1 minimum Reg A+ real estate debt fund paying weekly distributions at a 6.30% annualized rate as of August 2026.

- Minimum investment: $1
- Accreditation: Not required
- Fees: 1% annual fund-level management fee on NAV; $5/month account fee on balances under $5,000 per Concreit's help center (1% annual for $5,000+); redemption cost 2% under 1 year, 1% in years 1 to 2, 0% after
- Target return: 6.30% annualized distribution rate for August 2026 on a $1.00 basis (about 6.65% at the $0.96 purchase price), paid weekly, set monthly by the manager
- Liquidity: 60-day hold on new deposits; monthly redemptions at manager discretion, typically capped at 10% of outstanding shares per rolling 3-month period
- Founded: 2018
- Rates and fees verified: 2026-10-05
- Page updated: 2026-10-05
- Pros: Open to non-accredited investors from one $0.96 share, about $1 to start | 6.30% annualized distribution rate as of August 2026, paid out weekly | Redemptions being honored: $132,628 of $136,632 in July 2026 requests processed
- Cons: Small fund: $9.0M in total assets at Dec 31, 2025 limits diversification | NAV stuck at $0.96 since 2022, 4% below the $1.00 launch price, no equity upside | $5/month fee on balances under $5,000 can consume a small account's entire yield

#### [Connect Invest](https://financeradar.com/private-credit/connect-invest)

Connect Invest Short Notes pay 7.5% to 9% fixed interest on real estate debt from $500, with no accreditation required.

- Minimum investment: $500
- Accreditation: Not required
- Fees: None to investors: no platform, account, or investment fees per the official FAQ
- Target return: Fixed 7.5% (6 mo), 7.75% (6 mo roll-over), 8% (12 mo), 9% (24 mo) annualized, paid monthly
- Liquidity: Principal locked until the 6, 12, or 24 month maturity; early liquidation possible with interest forfeiture per the offering circular; monthly interest goes to a wallet withdrawable anytime
- Founded: 2020
- Rates and fees verified: 2026-08-11
- Page updated: 2026-10-05
- Pros: $500 minimum, zero investor fees, open to non-accredited investors | Fixed 7.5% to 9% annualized interest paid monthly on 6 to 24 month terms | First lien loans, ~65% average LTV, sub 0.22% reported historical default rate
- Cons: Early liquidation forfeits interest per the offering circular | Every loan comes from one affiliated originator focused on construction lending | Not FDIC insured; the offering circular warns total loss is possible

#### [DLP Capital](https://financeradar.com/private-credit/dlp-capital)

Private real estate funds for accredited investors with $100,000 to $500,000 minimums targeting 8% to 14% net annual returns.

- Minimum investment: $100,000
- Accreditation: Required
- Fees: 2% annual management fee on most funds (1.25% on Preferred Credit Fund) plus 20% performance fee on distributions above the preferred return; rebates of 0.50% to 1.25% from $1M invested
- Target return: 8% to 14% net annual depending on fund; preferred returns of 6% to 10% paid monthly; Series A notes fixed at 8% or 9%
- Liquidity: Credit funds: redemptions with 90-day notice; equity funds: annual redemption windows; Series A notes: 5-year term; Living Fully fund: 6 to 8 year closed-end hold
- Founded: 2006
- Rates and fees verified: 2026-10-01
- Page updated: 2026-09-25
- Pros: Targets 8% to 14% net returns by fund; preferred returns of 6% to 10% paid monthly | Reports zero missed preferred-return periods across its funds through June 30, 2025 | $5.5B+ reported AUM; Lending Fund paid investors $177M+ from 2014 through 2024
- Cons: $100,000 minimum at best and $500,000 for the flagship funds, accredited investors only | 2% plus 20% fee structure on most funds; illiquid, with 90-day notice or annual windows | Affiliated DLP entities act as sponsor, lender, and borrower across related vehicles

#### [First National Realty Partners](https://financeradar.com/private-credit/first-national-realty-partners)

Grocery-anchored shopping center deals for accredited investors at $50,000 per deal

- Minimum investment: $50,000
- Accreditation: Required
- Fees: Not published publicly; disclosed per deal in offering documents. Third-party reviews cite roughly 0.5 to 1.5% annual asset management plus acquisition, property management, and disposition fees paid to FNRP affiliates
- Target return: Targeted 12 to 18% average annual returns with 6 to 9% cash distributions paid quarterly; not guaranteed, and pending lawsuits allege distributions on some deals were suspended
- Liquidity: None; deal-by-deal Rule 506(c) private placements with 3 to 7 year target holds and no secondary market
- Founded: 2015
- Rates and fees verified: 2026-08-11
- Page updated: 2026-09-25
- Pros: Necessity retail focus: 65+ grocery-anchored centers, 12M+ sq ft across 26 states | $140M+ in total investor distributions since 2015, paid quarterly during holds | Vertically integrated: acquisitions, leasing, and management handled in-house
- Cons: $50,000 minimum per deal, accredited only, no secondary market over 3 to 7 year holds | Fees not published publicly; layered affiliate fees disclosed only in offering docs | Pending federal investor lawsuits (filed 2025 and 2026) assert securities and RICO claims; FNRP denies the allegations

#### [Lofty](https://financeradar.com/private-credit/lofty)

Buy $50 blockchain tokens in individual US rental houses, collect rent daily, and resell anytime on a 24/7 marketplace.

- Minimum investment: $50
- Accreditation: Not required
- Fees: 2.5% buy fee and 3% sell fee on marketplace trades (about 5.5% round trip); no AUM fee; property expenses paid from rent
- Target return: No stated target; marketplace average gross rental yield about 9.2% (May 2026, company-reported)
- Liquidity: 24/7 seller-set-ask marketplace settled in USDC; no lockups; execution speed and price depend on buyer demand
- Founded: 2018
- Rates and fees verified: 2026-10-06
- Page updated: 2026-10-06
- Pros: $50 per-property minimum with rent credited daily, withdrawable in USD or USDC | 24/7 secondary marketplace with no lockups; sell without waiting for a window | No AUM fee; 9.2% average gross rental yield across the marketplace (May 2026)
- Cons: Round-trip trading costs about 5.5% (2.5% buy fee, 3% sell fee) | Token offerings are not SEC-registered; thin order books can force discounted exits | Crypto rails plus per-property LLC pass-through taxes add real paperwork

#### [Roots](https://financeradar.com/private-credit/roots-real-estate)

An Atlanta-focused residential REIT with a $100 minimum that gives renters equity and pays quarterly distributions.

- Minimum investment: $100
- Accreditation: Not required
- Fees: $5 signup transaction fee; 8% haircut if redeemed under 1 year, none after; manager collects 10% of monthly revenue plus acquisition, $500-per-lease leasing, and disposition fees
- Target return: 12-15% annual target; 13.13% CAGR since July 1, 2021 and 12.01% trailing 12 months as of July 10, 2026 (company-reported, NAV-based)
- Liquidity: Quarterly redemption windows; under 1 year paid at 92% of NAV; caps of 5% of outstanding units per quarter and $100,000 per investor; manager may suspend
- Founded: 2021
- Rates and fees verified: 2026-10-01
- Page updated: 2026-10-01
- Pros: $100 minimum and Reg A+ qualification, open to non-accredited investors | 13.13% company-reported CAGR since July 2021 against a 12-15% target | No redemption penalty after year one; renters earn equity, cutting vacancy costs
- Cons: Exits before 1 year are paid at 92% of NAV, an 8% haircut | About 78% of properties sit in Georgia (Atlanta plus Augusta) | Cash payout was about 1% of NAV last quarter; most reported return is NAV markup

#### [Supervest](https://financeradar.com/private-credit/supervest)

Supervest sells accredited investors fixed notes paying 10% to 15%, backed by merchant cash advance portfolios, from $25,000.

- Minimum investment: $25,000
- Accreditation: Required
- Fees: No separate investor fee disclosed on fixed notes (stated rates are net); self directed MCA fees are not published, and third party reviews have reported a 5 to 7% platform fee on merchant remittances
- Target return: Fixed notes: 10% (12 mo, monthly), 12% (24 mo, quarterly), 14% (24 mo, at maturity), 15% (36 mo, quarterly); self directed MCA returns are variable
- Liquidity: Note principal locked for the full 1 to 3 year term; MCA remittances flow daily or weekly and cash balances can be withdrawn anytime
- Founded: 2018
- Rates and fees verified: 2026-10-04
- Page updated: 2026-10-04
- Pros: Fixed notes pay 10% to 15% depending on term, far above typical income yields | Four open notes with 12 to 36 month terms, each from a $25,000 minimum | Single advance exposure capped at 5%; remittance cash withdrawable anytime
- Cons: MCA receivables are uncollateralized claims on future revenue; defaults run high | Accredited investors only, and note principal is locked until maturity | Self directed MCA now requires a $1,000,000 minimum

#### [Titan](https://financeradar.com/private-credit/titan)

Titan pairs a flat 0.40% advisory fee with retail access to Apollo and Carlyle private credit funds from $2,000.

- Minimum investment: $500
- Accreditation: Not required
- Fees: 0.40% flat Titan advisory fee; underlying credit funds add expenses (about 3.50% at Apollo Diversified Credit, 5.40% total at Carlyle Tactical Private Credit including a 15% incentive fee above a 6% hurdle)
- Liquidity: Credit funds offer quarterly repurchase windows at each fund's discretion; liquidity and distributions are not guaranteed
- Founded: 2017
- Rates and fees verified: 2026-10-03
- Page updated: 2026-10-03
- Pros: Apollo and Carlyle private credit from $2,000 to $2,500 vs $1M direct minimums | Flat 0.40% advisory fee with a licensed human advisor; $500 platform minimum | No accreditation required; both credit funds are registered interval funds
- Cons: Underlying fund expenses are heavy: about 3.50% at Apollo, 5.40% total at Carlyle | Quarterly liquidity windows are discretionary and not guaranteed | No published target yields; distributions can vary and are not guaranteed

### Other money tools (4)

#### [Empower Personal Dashboard](https://financeradar.com/tools/empower-personal-dashboard)

Free all-in-one net worth and investment dashboard, funded by an optional advisory upsell

- Rates and fees verified: 2026-09-25
- Page updated: 2026-09-25
- Pros: Genuinely free | Strong investment and retirement analytics | Consolidated net-worth view
- Cons: Expect sales calls for the wealth-management upsell | Budgeting tools are basic

#### [Monarch Money](https://financeradar.com/tools/monarch-money)

All-in-one budgeting and net worth tracker built as a full Mint replacement

- Rates and fees verified: 2026-08-08
- Page updated: 2026-08-08
- Pros: Excellent for couples and shared finances | Strong net-worth and investment tracking | Clean, modern interface
- Cons: Paid-only (no free tier) | Bank sync can occasionally need re-linking

#### [Copilot Money](https://financeradar.com/tools/copilot-money)

Premium Apple-first budgeting app with best-in-class AI categorization

- Rates and fees verified: 2026-08-08
- Page updated: 2026-08-08
- Pros: Best-in-class AI transaction tagging | Elegant, fast native UX | Covers net worth and investing
- Cons: Apple-only (no Android or web) | Paid-only

#### [Kubera](https://financeradar.com/tools/kubera)

Premium net worth tracker for crypto, real estate, and alternative assets

- Rates and fees verified: 2026-08-08
- Page updated: 2026-08-08
- Pros: Best for crypto and alternative assets | Clean spreadsheet-style view | Multi-currency support
- Cons: Paid-only (no free tier) | No budgeting features

## Buying guides

- [Best credit cards for online shopping in 2026](https://financeradar.com/guides/best-credit-cards-for-online-shopping) (reviewed 2026-09-25): Checked on issuer pages September 25, 2026. Amex Blue Cash Everyday pays 3% on US online retail, no annual fee. Citi Double Cash pays unlimited 2% with no caps.
- [Best rewards credit cards in 2026](https://financeradar.com/guides/best-rewards-credit-cards) (reviewed 2026-09-24): Ten rewards cards compared on annual fee, earn rate and welcome bonus, verified on issuer pages in September 2026. Chase Sapphire Preferred leads.
- [Best 0% intro APR credit cards (2026)](https://financeradar.com/guides/best-0-apr-credit-cards) (reviewed 2026-09-23): 0% purchase APR windows checked on issuer pages September 23, 2026. Chase Slate has the longest window we verified. Ten cards compared by length, fees, and rewards.
- [Best airline credit cards in 2026](https://financeradar.com/guides/best-airline-credit-cards) (reviewed 2026-09-23): Airline cards for 2026 were read on issuer pages before ranking. Transferable points beat a co-brand unless you already fly that airline, and Delta Gold is the path.
- [Best balance transfer credit cards in 2026](https://financeradar.com/guides/best-balance-transfer-credit-cards) (reviewed 2026-09-23): Chase Slate leads our published cards with 0% for 21 months and a 5% transfer fee. Lower-fee 18-month and 15-month offers, verified September 23, 2026.
- [Best cash management accounts (2026)](https://financeradar.com/guides/best-cash-management-accounts) (reviewed 2026-09-23): Fidelity's cash account states whether the yield is SPAXX or an FDIC bank sweep. Nine accounts compared on yield, spending, and insurance as of September 23, 2026.
- [Best checking accounts with no overdraft fees (2026)](https://financeradar.com/guides/best-checking-accounts-with-no-overdraft-fees) (reviewed 2026-09-23): Capital One 360 Checking charges no overdraft fee. Ally CoverDraft and SoFi's debit cushion sit beside Chase's $34 item fee, verified September 23, 2026.
- [Best credit card welcome bonuses in 2026](https://financeradar.com/guides/best-credit-card-welcome-bonuses) (reviewed 2026-09-23): Bonuses checked September 23, 2026. The largest dollar-priced bonus is Sapphire Reserve. Venture adds a stays credit. Ink Unlimited pays cash, no annual fee.
- [Best credit cards for dining in 2026](https://financeradar.com/guides/best-credit-cards-for-dining) (reviewed 2026-09-23): Restaurant cards checked on issuer pages September 23, 2026. Amex Gold pays 4X and charges $325. Savor pays unlimited 3% with no annual fee. Preferred pays 3x.
- [Best credit cards for students in 2026](https://financeradar.com/guides/best-credit-cards-for-students) (reviewed 2026-09-23): Verified September 23, 2026. Enrolled students start with Savor Student: no annual fee and a food-rewards rate. Freedom Rise fits a thin credit file.
- [Best free checking accounts with no monthly fee (2026)](https://financeradar.com/guides/best-free-checking-accounts) (reviewed 2026-09-23): Capital One 360 Checking has no monthly fee and no minimum. Nine more accounts compared on wires, ATM fees, and APY, verified September 23, 2026.
- [Best high-interest checking accounts (2026)](https://financeradar.com/guides/best-high-interest-checking-accounts) (reviewed 2026-09-23): Highest checking APY in 2026 is a debit test at Quontic. SoFi pays with no swipe rule, and Ally pays more only on a large balance. Verified September 23, 2026.
- [Best high-yield savings accounts for an emergency fund (2026)](https://financeradar.com/guides/best-high-yield-savings-accounts-for-emergency-funds) (reviewed 2026-09-23): The emergency fund belongs where a same-day transfer leaves the rate intact. Ten accounts compared on access, cliffs, and fees as of September 23, 2026.
- [Best hotel credit cards in 2026](https://financeradar.com/guides/best-hotel-credit-cards) (reviewed 2026-09-23): Hotel cards checked September 23, 2026, with Aspire for Hilton guests who will use a free night. Brilliant covers Marriott, and Preferred covers a mix of chains.
- [Best low interest credit cards (2026)](https://financeradar.com/guides/best-low-interest-credit-cards) (reviewed 2026-09-23): Lowest ongoing APRs checked on issuer pages September 23, 2026. Two no-fee business cards tie on the purchase floor. Ten cards compared.
- [Best no foreign transaction fee credit cards in 2026](https://financeradar.com/guides/best-no-foreign-transaction-fee-credit-cards) (reviewed 2026-09-23): No foreign transaction fee is separate from the annual fee. Autograph and Quicksilver charge neither, Preferred is $95, and Active Cash still adds 3%.
- [Best private credit funds for individual investors (2026)](https://financeradar.com/guides/best-private-credit-funds-for-individual-investors) (reviewed 2026-09-23): PRIV closed at $24.44 on Sep 22, 2026, with no accreditation test. Ten private credit minimums, fees, and lockups checked September 23, 2026.
- [Best High-Yield Savings Accounts](https://financeradar.com/guides/best-high-yield-savings) (reviewed 2026-09-07): High-yield savings APYs checked on issuer pages in September 2026. We rank 8 accounts and show which rates survive the fine print.
- [Best No-Fee, No-Minimum High-Yield Savings Accounts](https://financeradar.com/guides/best-no-fee-no-minimum-hysa) (reviewed 2026-09-07): Only HYSA with a $0 monthly fee, $0 to open, and no balance floor for the rate we quote. Forbright 3.85%, Marcus 3.40%, Zynlo 3.90%, plus the clean 3% names.
- [Best no-annual-fee credit cards](https://financeradar.com/guides/best-no-annual-fee-credit-cards) (reviewed 2026-09-07): No-annual-fee cards verified on issuer pages in September 2026. Eight we would actually carry: cash back, one travel card, a balance-transfer card, and a starter card.
- [Best cash-back credit cards](https://financeradar.com/guides/best-cash-back-credit-cards) (reviewed 2026-09-07): Seven $0 cash-back cards and one $95 grocery card. Pay the Blue Cash Preferred fee only if supermarket spend is actually huge.
- [Best travel credit cards](https://financeradar.com/guides/best-travel-credit-cards) (reviewed 2026-09-07): The $95 Sapphire Preferred and Venture beat the $795 Reserve and $895 Platinum unless you actually use the credits. Autograph is $0.
- [Best credit cards by credit score](https://financeradar.com/guides/best-credit-cards-by-credit-score) (reviewed 2026-09-07): We do not store issuer FICO cutoffs. Grouped by product design: starter, everyday $0, and premium travel. Eight honest picks.
- [Best CD Rates](https://financeradar.com/guides/best-cd-rates) (reviewed 2026-09-03): CD rates checked on issuer pages in September 2026: Popular Direct 4.35% at 18 months, Synchrony 4.30% at 16, Amex 4.25% at 10.
- [Alternative Investing Without Accreditation (2026)](https://financeradar.com/guides/alternative-investing-without-accreditation) (reviewed 2026-09-03): Alternative investments that do not require accreditation, checked on provider pages. Accessible is not the same as safe. Minimums, gates, and principal risk as of September 2026.
- [Best Real Estate Crowdfunding Platforms (2026)](https://financeradar.com/guides/best-real-estate-crowdfunding) (reviewed 2026-09-03): Fundrise at $10 is not CrowdStreet at $25,000. Accreditation, minimums, and lockups for real-estate crowdfunding as of September 2026. No target returns.

## Articles

- [How Direct-Deposit APY Requirements Really Work](https://financeradar.com/blog/how-direct-deposit-apy-hoops-work) (updated 2026-10-07): The best savings and hybrid APYs are gated behind a monthly deposit. Here is what each top account actually requires, and which hoop is easiest to keep hitting.
- [Accredited vs Non-Accredited Real Estate Investing: What You Can Actually Buy](https://financeradar.com/blog/accredited-vs-non-accredited-real-estate-investing) (updated 2026-10-06): Your income and net worth, not your skill, decide whether you can buy a $10 real estate fund or a $50,000 accredited deal. Here is the full market split.
- [Non-Traded BDCs Explained: Yield, Fees, and the Liquidity Gates](https://financeradar.com/blog/non-traded-bdc-gated-liquidity-guide) (updated 2026-10-07): Retail private credit now starts at $2,500 through an advisor or one ETF share. Here is how non-traded BDCs pay ~9% distributions, cap redemptions, and gate exits.
- [When a Checking Bonus Beats a Higher Savings APY](https://financeradar.com/blog/when-a-checking-bonus-beats-a-higher-apy) (updated 2026-10-07): A higher savings rate looks like the smart-money pick, but a waived checking fee or one-time bonus usually wins. Here is the one-year math, in dollars.
- [HYSA vs Money Market Account: Which Belongs in Your Emergency Fund](https://financeradar.com/blog/hysa-vs-money-market-account-guide) (updated 2026-10-05): High-yield savings and money market accounts both hold an emergency fund, but they differ on check access, ATM reach, and rate behavior. Here is how to choose.
- [How to Build a CD Ladder in 2026 (With Real Rates)](https://financeradar.com/blog/how-to-build-a-cd-ladder) (updated 2026-10-01): The 2026 rate curve barely pays you to wait, so keep your CD ladder short. Here is how to stagger 12, 18 and 36 month rungs using real APYs up to 4.35%.
- [Amex Gold vs Chase Sapphire Reserve in 2026: Which Premium Card Pays Back](https://financeradar.com/blog/amex-gold-vs-chase-sapphire-reserve) (updated 2026-09-25): Gold fits food and grocery spend at a lower fee. Reserve fits travelers who will use the $795 fee's lounge access and travel credits every year.
- [Best Free Investing Apps in 2026](https://financeradar.com/blog/best-free-investing-apps) (updated 2026-09-25): Ten brokers charge $0 to trade US stocks and ETFs online, but the fees that survive the headline (options, transfers, inactivity, platform fees) are what actually separate them.
- [Capital One Venture X vs Chase Sapphire Preferred (2026)](https://financeradar.com/blog/capital-one-venture-x-vs-chase-sapphire-preferred) (updated 2026-09-25): Preferred wins on everyday earning and a lower fee. Venture X wins only with a yearly Capital One Travel booking and lounge use worth more than $300.
- [Chase Sapphire Preferred vs Freedom Unlimited (2026)](https://financeradar.com/blog/chase-sapphire-preferred-vs-freedom-unlimited) (updated 2026-09-25): Freedom Unlimited earns flat cash back for $0 a year. Sapphire Preferred earns more in its bonus categories for $95. Fees are $0 vs $95 as of September 25, 2026.
- [Empower Personal Dashboard Review 2026: Free Tools, Paid Advisory](https://financeradar.com/blog/empower-review) (updated 2026-09-25): Empower's Personal Dashboard costs nothing. The advisory service it funnels you toward charges 0.89% under $1 million and steps down to 0.49% over $10 million.
- [Is Arrived Worth It in 2026](https://financeradar.com/blog/is-arrived-worth-it) (updated 2026-09-25): What Arrived's own fee pages and fund dashboards show about its no-accreditation minimum, the fees stacked on rental-home shares, and what the Real Estate Income Fund actually paid this year.
- [Is the Capital One Savor Card Worth It in 2026](https://financeradar.com/blog/is-capital-one-savor-worth-it) (updated 2026-09-25): Worth it for a no-fee card built around food and streaming spending, verified September 25, 2026. Everyday purchases outside those categories still earn only 1%.
- [Is the Chase Freedom Unlimited Card Worth It in 2026](https://financeradar.com/blog/is-chase-freedom-unlimited-worth-it) (updated 2026-09-25): Worth it for a 1.5% floor plus 3% dining, 3% drugstores and 5% Chase Travel, verified September 25, 2026. A 3% foreign fee and a shrinking regular APR range are the catches.
- [Is the Citi Double Cash Card Worth It in 2026](https://financeradar.com/blog/is-citi-double-cash-worth-it) (updated 2026-09-25): Worth it for a flat 2% rate with no annual fee, verified September 25, 2026. Half that rate posts only after you pay the bill, and a revolving balance can erase the gain.
- [Is Masterworks Worth It in 2026](https://financeradar.com/blog/is-masterworks-worth-it) (updated 2026-09-25): What Masterworks actually charges on top of a $20 share price, what its own sold-work numbers show, and why the platform now gates entry by referral.
- [Is the Wells Fargo Active Cash Card Worth It in 2026](https://financeradar.com/blog/is-wells-fargo-active-cash-worth-it) (updated 2026-09-25): Worth it for a flat 2% cash reward with no annual fee, verified September 25, 2026. The $100 bonus clears fast, but a revolving balance or spending abroad erases the reward.
- [Is the Wells Fargo Autograph Card Worth It in 2026](https://financeradar.com/blog/is-wells-fargo-autograph-worth-it) (updated 2026-09-25): Worth it for a no-fee card that earns 3X points across six everyday categories with no foreign fee, verified September 25, 2026. The catch is a balance transfer APR with no 0% window at all.
- [Pontera Review 2026: No Listed Price and Who It Fits](https://financeradar.com/blog/pontera-review) (updated 2026-09-25): Pontera publishes no saver price. Your advisor's own fee, not a Pontera subscription, is what you pay to have your 401(k) managed through it.
- [Best Private Credit Platforms for Non-Accredited Investors](https://financeradar.com/blog/best-private-credit-for-non-accredited-investors) (updated 2026-10-07): Private credit is no longer accreditation-only. Six platforms let anyone lend for as little as $10, but the low minimum hides the default and liquidity risk.
- [Best Checking Accounts That Actually Pay Interest](https://financeradar.com/blog/best-checking-accounts-that-pay-interest) (updated 2026-10-05): A checking account with a real APY usually hides a catch: a debit-swipe count or a direct-deposit threshold. Here are five that pay, and how to unlock each rate.
- [Best Farmland Investing Platforms for Passive Income](https://financeradar.com/blog/best-farmland-investing-platforms) (updated 2026-10-05): Farmland platforms are not interchangeable: compare AcreTrader, FarmTogether, and Arrived on minimums, crop type, fees, and how long your cash is locked.
- [Best AI Investing Apps in 2026](https://financeradar.com/blog/best-ai-investing-apps) (updated 2026-09-24): Robinhood Strategies is the managed pick at 0.25% a year as of September 24, 2026. Cortex needs Gold at $5 a month and is not an adviser. PortfolioPilot is $240 a year and does not trade for you.
- [Best Budgeting Apps for Couples in 2026](https://financeradar.com/blog/best-budgeting-apps-for-couples) (updated 2026-09-24): Monarch is the best budgeting app for couples who share finances. Core is $99.99 a year as of September 24, 2026, and the partner login is included.
- [Best Free Budgeting Apps in 2026](https://financeradar.com/blog/best-free-budgeting-apps) (updated 2026-09-24): EveryDollar is the best free budgeting app as of September 24, 2026, because the free plan does not expire. Goodbudget caps free use at 10 envelopes plus 10 more.
- [Best Mint Alternatives in 2026](https://financeradar.com/blog/best-mint-alternatives) (updated 2026-09-24): Monarch Core is the best Mint alternative at $99.99 a year as of September 24, 2026. Credit Karma is Intuit's free home for Mint. Copilot Money is $95 a year.
- [Best Robo-Advisors in 2026](https://financeradar.com/blog/best-robo-advisors) (updated 2026-09-24): Wealthfront is the default taxable pick, about $2.05 in a 30-day month as of September 24, 2026. Fidelity Go is $0 below its coaching line. Betterment bills monthly until a balance or deposit test.
- [Cleo Review 2026: Plus at $5.99, the Advance, and the Card](https://financeradar.com/blog/cleo-review) (updated 2026-09-24): Cleo is worth Plus if an eligible advance can wait for the free transfer. Plus is $5.99 a month or $44.99 a year as of September 24, 2026. Pro adds the chat. Builder is the card.
- [Cleo vs Brigit in 2026: Cash Advances, Fees and the AI Assistant](https://financeradar.com/blog/cleo-vs-brigit) (updated 2026-09-24): Brigit is the better same-day cash advance as of September 24, 2026. The higher plan includes express delivery. Cleo's monthly plan costs less when a free 3 to 4 day transfer is fast enough.
- [Monarch Money Pricing in 2026: Core, Plus, and Trial](https://financeradar.com/blog/monarch-money-pricing) (updated 2026-09-24): Monarch Core is $99.99 a year or $14.99 a month as of September 24, 2026. Plus is $199.99 a year with no monthly option. A 7-day trial requires a payment method.
- [Monarch Money vs Copilot Money in 2026](https://financeradar.com/blog/monarch-money-vs-copilot-money) (updated 2026-09-24): Monarch is the better budgeting app for a shared household as of September 24, 2026, because a second login is included. Copilot publishes no Android app and fits an Apple household sharing one login.
- [Rocket Money Review 2026: Premium+ at $15/mo and the Bill Fee](https://financeradar.com/blog/rocket-money-review) (updated 2026-09-24): Rocket Money is worth Premium+ if you will negotiate more than one bill. Premium+ is $15/mo plus tax as of September 24, 2026. Other plans pay 35% to 60% of year-one savings.
- [Wealthfront vs Betterment in 2026](https://financeradar.com/blog/wealthfront-vs-betterment) (updated 2026-09-24): Wealthfront is the better robo-advisor under $24,000 when you will not deposit $200 a month. The fee is 0.25% from $500 as of September 24, 2026. Betterment charges $5 a month until that line.
- [YNAB Review 2026: Price, Method, and Who It Fits](https://financeradar.com/blog/ynab-review) (updated 2026-09-24): YNAB is worth the annual plan if you assign money you already have before you spend it. As of September 24, 2026 that plan is $109 a year or $14.99 a month, plus tax, with 34 days on a direct signup.
- [YNAB vs Monarch Money in 2026](https://financeradar.com/blog/ynab-vs-monarch-money) (updated 2026-09-24): YNAB is the better app when you assign money before spending it. The annual price is $109 as of September 24, 2026. Monarch Core is $99.99 a year and starts from linked accounts.
- [Best Real Estate Crowdfunding Platforms for Beginners](https://financeradar.com/blog/best-real-estate-crowdfunding-for-beginners) (updated 2026-10-07): Fundrise, Arrived, Groundfloor, Ark7 and Roots all let beginners start with $100 or less. The real difference is the liquidity gate and who holds your money.
- [Best Money Market Accounts With Debit and Check Access](https://financeradar.com/blog/best-money-market-accounts) (updated 2026-10-06): The best money market accounts pair a strong APY with debit cards and checks. See six picks, from Quontic's 3.80% to Ally's ATM network, and the fee traps.
- [Best Business Credit Cards for Founders and Freelancers](https://financeradar.com/blog/best-business-credit-cards) (updated 2026-10-07): Six small-business cards ranked by welcome bonus, category rate, and fee, from a no-fee 1.5% flat card with a $1,000 bonus to a premium $895 lounge card.
- [Amex Gold vs Amex Platinum in 2026: Which Fee Pays Back](https://financeradar.com/blog/amex-gold-vs-amex-platinum) (updated 2026-09-23): Get Amex Gold if the fee has to pay for itself: $325 versus Platinum at $895 as of September 23, 2026. Platinum fits lounge users who will work the credit list.
- [Are High-Yield Savings Accounts Safe in 2026](https://financeradar.com/blog/are-high-yield-savings-accounts-safe) (updated 2026-09-23): Cash is safe when it is a deposit at an FDIC-insured bank and inside the coverage limit. The FDIC insures at least $250,000 per depositor, per bank, per ownership category. The APY is not insured.
- [Are High-Yield Savings Rates Going Down in 2026](https://financeradar.com/blog/are-high-yield-savings-rates-going-down) (updated 2026-09-23): Every rate that moved in our 30-day log went up, as of September 23, 2026. The Fed raised its target to 3.75% to 4% on September 16. The FDIC savings average slipped to 0.37%.
- [Best AI Personal Finance Apps in 2026](https://financeradar.com/blog/best-ai-personal-finance-apps) (updated 2026-09-23): Monarch Core is the default, at $99.99 a year or $14.99 a month as of September 23, 2026. Copilot Money is $95 a year if you do not need Android.
- [Best Apps to Cancel Subscriptions and Lower Bills in 2026](https://financeradar.com/blog/best-apps-to-cancel-subscriptions-and-lower-bills) (updated 2026-09-23): Rocket Money cancels subscriptions on Premium, $7 to $14 a month as of September 23, 2026. Premium+ at $15 a month waives the negotiation fee. Billshark charges 40%.
- [Best Budgeting Apps in 2026](https://financeradar.com/blog/best-budgeting-apps) (updated 2026-09-23): YNAB is the best budgeting app at $109 a year as of September 23, 2026. EveryDollar's zero-based budget is free. Monarch Core is $99.99 a year for a household.
- [Best Cash Advance Apps in 2026: Fees, Limits and Speed](https://financeradar.com/blog/best-cash-advance-apps) (updated 2026-09-23): Earnin publishes up to $1,000 a pay period with no mandatory fee on standard delivery, as of September 23, 2026. Albert matches that ceiling into Albert Cash. Dave charges 5% or $5.
- [Capital One Venture X vs Venture (2026)](https://financeradar.com/blog/capital-one-venture-x-vs-venture) (updated 2026-09-23): Venture X is worth the extra fee when you book $300 a year through Capital One Travel. The fees are $395 and $95 as of September 23, 2026.
- [CD Early Withdrawal Penalties by Bank in 2026](https://financeradar.com/blog/cd-early-withdrawal-penalties-by-bank) (updated 2026-09-23): An 18-month CD costs 60 days of interest at Ally and 270 days at Popular Direct. Marcus charges 180 days, and its formula puts that at $210 on $10,000 at 4.35% APY.
- [Chase Freedom Unlimited vs Freedom Flex in 2026](https://financeradar.com/blog/chase-freedom-unlimited-vs-freedom-flex) (updated 2026-09-25): Freedom Flex wins if you activate quarterly 5% categories. Both have no annual fee; as of September 25, 2026, Flex shows a limited-time $250 bonus and Unlimited $200. Unlimited wins on a 1.5% floor.
- [Chase Ink Business Cash vs Ink Business Unlimited in 2026](https://financeradar.com/blog/chase-ink-business-cash-vs-ink-business-unlimited) (updated 2026-09-23): Cash wins if office supplies and telecom are real spend. Both have no annual fee and a $750 bonus as of September 23, 2026. The Unlimited pick is an uncapped 1.5% floor.
- [Chase Sapphire Preferred vs Sapphire Reserve (2026)](https://financeradar.com/blog/chase-sapphire-preferred-vs-sapphire-reserve) (updated 2026-09-23): Reserve is worth the extra $700 only if you use credits beyond the automatic travel credit. Fees are $795 vs $95 as of September 23, 2026.
- [Delta SkyMiles Gold vs Platinum vs Reserve in 2026](https://financeradar.com/blog/delta-skymiles-gold-vs-platinum-vs-reserve) (updated 2026-09-23): Hold Delta SkyMiles Gold when the fee has to stay small: $0 the first year, then $150, against Platinum at $350 and Reserve at $650 as of September 23, 2026.
- [High-Yield Savings vs a Money Market Account in 2026](https://financeradar.com/blog/high-yield-savings-vs-money-market-account) (updated 2026-09-23): A money market account is not the higher yield in our catalog. The average is 3.40% APY on 6 money market accounts versus 3.54% on high-yield savings, as of September 23, 2026.
- [Hilton Honors vs Surpass vs Aspire in 2026](https://financeradar.com/blog/hilton-honors-vs-surpass-vs-aspire) (updated 2026-09-23): Hold the no-fee Hilton Honors Amex when the fee has to stay off the bill. Surpass is $150 and Aspire is $550 as of September 23, 2026.
- [How Much Interest a High-Yield Savings Account Earns in 2026](https://financeradar.com/blog/how-much-interest-high-yield-savings-earns) (updated 2026-09-23): $10,000 at the 3.54% average APY we verify earns $354 in a year if the rate holds, versus $37 at the FDIC national savings rate of 0.37%.
- [Is the Amex Gold Card Worth It in 2026](https://financeradar.com/blog/is-amex-gold-worth-it) (updated 2026-09-23): Gold clears a $325 fee only when the credits you will use cover it. All four cap at $424. Skip Dunkin and the other three still clear the fee. Skip two larger credits and they do not.
- [Is the Amex Platinum Worth It in 2026? The Fee Math](https://financeradar.com/blog/is-amex-platinum-worth-it) (updated 2026-09-23): Worth the $895 fee only if credits you already spend cover it, as of September 23, 2026. Statement-credit caps add to $2,984, and skipped months pay nothing.
- [Is the Capital One Venture X Worth It in 2026](https://financeradar.com/blog/is-capital-one-venture-x-worth-it) (updated 2026-09-23): Worth the $395 fee when you use the full $300 Capital One Travel credit and value the later anniversary miles the way Capital One prices them. Skip the portal and that credit is zero.
- [Is the Chase Sapphire Reserve Worth It in 2026](https://financeradar.com/blog/is-chase-sapphire-reserve-worth-it) (updated 2026-09-23): Worth the fee only when credits you will use cover it. As of September 23, 2026, Chase lists $795. The travel credit leaves a gap, and lounge access does not close it.
- [Is Private Credit Safe for Retail Investors in 2026](https://financeradar.com/blog/is-private-credit-safe) (updated 2026-09-23): What a retail private credit fund actually owns, why BCRED and Apollo Debt Solutions cap quarterly repurchases at 5% of shares, and whose money should stay out.
- [Money Market Account vs Money Market Fund in 2026](https://financeradar.com/blog/money-market-account-vs-money-market-fund) (updated 2026-09-23): A money market account is a bank deposit. A money market fund is a mutual fund. The 6 accounts we verify average 3.40% APY as of September 23, 2026.
- [Where to Put Cash in 2026](https://financeradar.com/blog/where-to-put-cash-2026) (updated 2026-09-23): Keep cash you may need in a high-yield savings account. The accounts we verify average 3.54% APY as of September 23, 2026. A CD pays more if you can lock the term.
- [Best Cash-Back Credit Cards for Groceries in 2026](https://financeradar.com/blog/best-cash-back-cards-for-groceries) (updated 2026-10-07): Six percent cash back, a flat 3%, or 4x Amex points? We rank the best grocery credit cards for 2026 by earn rate and annual fee, and show where points win.
- [Best 18-Month CDs to Lock In Today's Rates](https://financeradar.com/blog/best-18-month-cds) (updated 2026-10-05): An 18-month CD locks a rate past the next round of cuts. We compare the top options on APY, minimum deposit, and early-exit penalty to find the best lock.
- [Best Short-Term CDs Under One Year for Parking Cash](https://financeradar.com/blog/best-short-term-cds-under-one-year) (updated 2026-10-05): The strongest sub-12-month CD rates right now, plus the auto-renewal and early-withdrawal terms that can quietly erase the yield before you ever see it.
- [Best Savings Accounts Paying Over 4% APY Right Now](https://financeradar.com/blog/best-savings-accounts-over-4-percent-apy) (updated 2026-10-07): Six savings accounts clear 4% APY right now, but caps and deposit rules decide what you actually earn. Here is where the headline rate holds and where it stops.
- [Empower vs Monarch vs Copilot vs Kubera: The Best Net Worth Tracker After Mint](https://financeradar.com/blog/empower-vs-monarch-vs-copilot-vs-kubera-net-worth) (updated 2026-10-07): Mint is gone. Compare Empower, Monarch, Copilot, and Kubera on cost, budgeting depth, and crypto plus alt-asset support to find the right replacement for you.
- [Ally vs Quontic vs Sallie Mae vs Prime Alliance: The Best Money Market Account With Check Writing](https://financeradar.com/blog/ally-vs-quontic-vs-sallie-mae-vs-prime-alliance-money-market) (updated 2026-10-07): Four money market accounts ranked on APY, minimums, fees, and whether a debit card and checks give you real spending access. Quontic leads on rate.
- [BCRED vs OCIC vs Apollo Debt Solutions vs PRIV: Non-Traded BDCs vs the First Private-Credit ETF](https://financeradar.com/blog/bcred-vs-ocic-vs-apollo-debt-solutions-vs-priv) (updated 2026-09-30): Three advisor-sold private credit BDCs pay roughly 9% but gate your exit. A new ETF trades in one click. Here is how the distribution and liquidity math shakes out.
- [SoFi vs OnePay vs Current vs Upgrade: The Best Mobile Checking Account That Actually Pays](https://financeradar.com/blog/sofi-vs-onepay-vs-current-vs-upgrade-checking) (updated 2026-10-07): Four app-first checking accounts, four ways to pay you: APY on parked cash, cashback on spend, and the direct-deposit hoops that unlock the good rate.
- [Marcus vs Sallie Mae vs Popular Direct CD: Locking In 4.35% Without the $10,000 Trap](https://financeradar.com/blog/marcus-cd-vs-sallie-mae-cd-vs-popular-direct-cd) (updated 2026-10-07): Three CDs all hit 4.35% APY, but one demands $10,000 to open. See which lock is worth the deposit, Marcus at $500, Sallie Mae at 36 months, or Popular Direct.
- [Elevault vs Axos ONE vs GO2bank: Chasing the Highest Savings APY and Its Fine Print](https://financeradar.com/blog/elevault-vs-axos-one-vs-go2bank-highest-apy) (updated 2026-10-07): The loudest APY isn't always the best deal. GO2bank's 4.50% caps at $5,000, Elevault's 4.34% is uncapped, and Axos ONE's 4.21% needs a direct deposit.
- [EverBank vs Pibank vs Openbank vs Bask: The Top High-Yield Savings Rates Compared](https://financeradar.com/blog/everbank-vs-pibank-vs-openbank-vs-bask-savings) (updated 2026-10-07): Four online savings accounts sit within 35 basis points of each other. We rank EverBank, Pibank, Openbank, and Bask on APY, minimums, and rate stability.
- [Wealthfront vs Betterment vs Robinhood Gold: The Best Brokerage Cash Account for Idle Money](https://financeradar.com/blog/wealthfront-vs-betterment-vs-robinhood-gold-cash) (updated 2026-10-07): Wealthfront, Betterment, and Robinhood Gold all pay around 3.3% on idle cash. We compare APY, FDIC sweep coverage, new-customer boosts, and subscription fees.
- [Citi Double Cash vs Wells Fargo Active Cash vs Chase Freedom Unlimited: The 2% Flat-Rate Showdown](https://financeradar.com/blog/citi-double-cash-vs-wells-fargo-active-cash-vs-freedom-unlimited) (updated 2026-10-06): Three no-fee flat-rate cards, one everyday winner. We line up Citi Double Cash, Wells Fargo Active Cash, and Chase Freedom Unlimited on rate, bonus, and perks.
- [Amex Blue Cash Preferred vs Blue Cash Everyday vs Capital One Savor: The Best Grocery Card by Spend Level](https://financeradar.com/blog/amex-blue-cash-preferred-vs-everyday-vs-savor) (updated 2026-10-01): Amex's Blue Cash Preferred earns 6% on groceries and streaming, but only the Preferred charges an annual fee. We run the multipliers to find the break-even.
- [Chase Sapphire Reserve vs Amex Platinum vs Capital One Venture X: Which $400-plus Travel Card Earns Its Fee](https://financeradar.com/blog/chase-sapphire-reserve-vs-amex-platinum-vs-venture-x) (updated 2026-10-07): Three travel cards, three fees over $395. We compare the Chase Sapphire Reserve, Amex Platinum, and Capital One Venture X on fee, credits, and lounges.
- [Fundrise vs Groundfloor vs Arrived: Three $10 to $100 Real Estate Doors](https://financeradar.com/blog/fundrise-vs-groundfloor-vs-arrived) (updated 2026-10-05): Fundrise starts at $10 (accreditation partial). Groundfloor and Arrived start at $100 and skip accreditation. A managed pool, loan-level debt, and house shares are not the same product.
- [Capital One Venture vs Chase Sapphire Preferred](https://financeradar.com/blog/capital-one-venture-vs-chase-sapphire-preferred) (updated 2026-10-07): Both cost $95 a year. Chase and Capital One both post 75,000-unit bonuses as of September 7, 2026. Preferred adds 3x categories and a $100 hotel credit. The July 100,000-point print is gone.
- [Chase Sapphire Preferred vs Amex Gold: $95 vs $325](https://financeradar.com/blog/chase-sapphire-preferred-vs-amex-gold) (updated 2026-10-02): Preferred is $95 with 75,000 points after $5,000 in 3 months as of September 7, 2026. Gold is $325 with a personalized bonus. The $230 fee gap only closes if you use Gold's credits.
- [Marcus vs Ally: Same $0 Fee, Different Rate and Access](https://financeradar.com/blog/marcus-vs-ally-savings) (updated 2026-10-07): Marcus pays 3.40% APY as of September 7, 2026. Ally pays 3.00% as of September 2. Both $0 fee, $0 minimum. Marcus wins unless you need Ally's checking pair.
- [Forbright vs Pibank vs CIT Bank: The Top Three Savings Rates Compared](https://financeradar.com/blog/forbright-vs-pibank-vs-cit-bank) (updated 2026-10-06): The three highest APYs we verify are 4.15%, 4.10% and 4.10%. Five basis points on $10,000 is $5 a year. The differences that matter are the promo, the $5,000 floor, and whether the live rate can be…

## Research reports

- [The cash versus card spread 2026: 3.65% versus 20.94%](https://financeradar.com/reports/cash-versus-card-spread-2026) (updated 2026-09-17): FinanceRadar verifies 29 high-yield savings accounts at 3.65% APY on average. The Federal Reserve's G.19 all-accounts credit card rate for 2026 Q2 is 20.94%. That is a 17.29 point gap. On $10,000,…
- [The FDIC rate gap 2026: what verified accounts actually pay](https://financeradar.com/reports/fdic-rate-gap-2026) (updated 2026-09-17): FinanceRadar verifies 29 high-yield savings accounts at 3.65% APY on average, 9.6 times the FDIC national savings rate of 0.38% as of August 17, 2026. The same gap shows up in CDs, money markets, and…
- [Private credit platform statistics 2026](https://financeradar.com/reports/private-credit-statistics) (updated 2026-09-17): FinanceRadar tracks 29 private credit and alternative-investing platforms. 48% are open to any investor and 54% let you start under $1,000, but the category is young (66% launched since 2015),…
- [Money market account statistics 2026](https://financeradar.com/reports/money-market-account-statistics) (updated 2026-09-17): FinanceRadar tracks 6 money market accounts averaging 3.40% APY, roughly five times the FDIC national money market average of 0.63%. They pair a savings-like rate with check-writing and debit access,…
- [Checking account statistics 2026](https://financeradar.com/reports/checking-account-statistics) (updated 2026-09-17): FinanceRadar tracks 14 checking accounts. 71% charge no monthly fee, 85% need no minimum to open, 79% charge no overdraft fee, and only 29% pay any interest. The value of a checking account is now…
- [Credit card APR and fee statistics 2026](https://financeradar.com/reports/credit-card-apr-statistics) (updated 2026-09-17): FinanceRadar verifies 31 credit cards. The median card charges a variable purchase APR of 19.24% to 28.49%, in line with the Federal Reserve's 22.89% average on accounts assessed interest, and 48%…
- [CD rate statistics 2026](https://financeradar.com/reports/cd-rates-statistics) (updated 2026-09-17): FinanceRadar verifies 15 certificates of deposit averaging 4.07% APY, with 80% paying 4.00% or more, versus the FDIC national 12-month CD average of 1.71%. Rates run from 3.00% to 4.50%, all FDIC…
- [High-yield savings account statistics 2026](https://financeradar.com/reports/high-yield-savings-account-statistics) (updated 2026-09-17): FinanceRadar verifies 29 high-yield savings accounts averaging 3.65% APY, roughly nine to ten times the FDIC national savings average of 0.38%. 28% pay 4.00% or more, 90% charge no monthly fee, and…
- [Financeradar Rate Index: September 2026](https://financeradar.com/reports/financeradar-rate-index-september-2026) (updated 2026-09-03): First monthly snapshot of the rates and fees we verify: 21 HYSA averaging 3.59% APY, 24 credit cards averaging $190 a year, 9 CDs averaging 3.94%, 21 alternative-investing products of which 9 skip…
- [Two-Thirds of High-Yield Savings Rates Still Come With a Catch (September 2026)](https://financeradar.com/reports/high-yield-savings-apy-catch-report-2026) (updated 2026-09-07): Of the 21 published high-yield savings accounts Financeradar verifies, 14 attach a promo, balance floor, deposit habit, fee, or subscription to the APY they advertise. The clean floor is 3.00% to…

## Statistics and rate data

Figures computed live from the rates and fees verified on product pages. Each carries an as-of date and the number of products it rests on.

- [Statistics hub](https://financeradar.com/statistics)
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