American Express National Bank
American Express Business CD Review 2026
Updated October 10, 2026
A card-secured CD for existing Amex Business or Corporate Card programs — not a general-purpose business CD.
Who American Express Business CD is best for
Businesses that already have an American Express Business Card or Corporate Card program and want to raise its spending capacity with a deposit.
At a glance
- APY (every term)
- 3.00%
- Minimum deposit
- $25,000
- Terms published
- 90 days to 60 months
- FDIC
- Insured
Same rate on every term, read at americanexpress.com on October 10, 2026; the bank dates its rates July 1, 2026
And an existing U.S. American Express Business Card or Corporate Card program
3.00% APY at every term
American Express National Bank — up to $250,000 per depositor, per ownership category
Pros
- +3.00% APY on every term from 90 days to 60 months, read at americanexpress.com on October 10, 2026; the bank dates its rates July 1, 2026
- +Raises the card program's spending capacity dollar for dollar by the amount of the CD
Cons
- −Open only for an existing U.S. American Express Business Card or Corporate Card program; the CD is held as security for the card account
- −$25,000 minimum
- −Set up through an American Express account manager or by phone, not an online application
- −Early-withdrawal penalty, in the bank's words: up to 90 days of interest on the amount withdrawn for terms of one year or less, and up to 180 days for terms of more than one year
American Express Business CD requirements
- Existing U.S. American Express Business Card or Corporate Card program
- $25,000 minimum deposit
- Opened through American Express, by account manager or phone
American Express Business CD rates & fees
American Express Business CD: 3.00% APY on every term, read at americanexpress.com on October 10, 2026; the bank dates its rates July 1, 2026. $25,000 minimum. Open only for an existing U.S. American Express Business Card or Corporate Card program; the CD is held as security for the card account.
Rates & fees last verified at the issuer on 2026-10-10. Always confirm current terms before applying.
American Express Business CD alternatives
Top alternatives worth comparing from Best Business CD Rates 2026.
Live Oak Bank
Live Oak Bank Business CD
4.30% APY on 1 year, open to any eligible business, $2,500 minimum
First Internet Bank of Indiana
First Internet Bank Business CD
4.00% APY on 12 months, $1,000 minimum
Ready to apply?
Application takes minutes. Pre-qualification (where available) uses a soft credit pull with no impact to your credit score.
See if you qualify→Guide last updated October 10, 2026
The full lineup
See all picks in Best Business CD Rates 2026
Editorial methodology + complete ranking criteria + side-by-side comparison of all picks.
Read the full guide →Bottom line
American Express Business CD scores 3.6 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: Businesses that already have an American Express Business Card or Corporate Card program and want to raise its spending capacity with a deposit.
◆ How we scored it
The ClearValue Rating, broken down.
- Cost
- 35%
- Fit & approval odds
- 30%
- Speed & terms
- 20%
- Transparency
- 15%
Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →
Frequently asked
Questions about American Express Business CD
Can any business open an American Express business CD?+
No. Per americanexpress.com (read October 10, 2026), the CD is only for an existing U.S. American Express Business Card or Corporate Card program; the CD is held as security for the card account. The minimum is $25,000.
What does the American Express business CD pay?+
3.00% APY on every term from 90 days to 60 months, which the page says is accurate as of July 1, 2026. Rates can change before the account is funded.
Is ClearValue Lending a bank or CD issuer?+
No. ClearValue Lending is not a bank, CD issuer, lender, or financial advisor. This review presents publicly available editorial information about American Express Business CD. The CD is issued and operated by American Express National Bank. APYs, terms, fees, and eligibility are determined solely by American Express National Bank and may change — verify current terms at americanexpress.com before opening.
Related guides
Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.