American ExpressAmerican ExpressAmerican ExpressAmerican ExpressAmerican Express
United StatesChange Country
Get Started MENU
Get Started
Man playing with a boy

Welcome to American Express® REWARDS CHECKING

Earn a competitive APY on your balance with no monthly account fees, plus earn Membership Rewards® points on eligible Debit Card purchases.


Checking with peace of mind

Your American Express® Rewards Checking account was created to help serve you. Use your account with confidence, knowing we’ve got you covered

Learn More

Checking with peace of mind

Family eating pizza

Checking with peace of mind

Your American Express® Rewards Checking account was created to help serve you. Use your account with confidence, knowing we’ve got you covered

Chat with us

Speak or chat with a Customer Care Professional at any time. Our team is here to help.

Secure spending

Spend confidently with the backing of 24/7 Fraud monitoring, and rest assured that with Zero Liability Fraud Protection, you won't be held responsible for fraudulent charges on your Debit Card that you report promptly.

Stay connected

Keep control of your account, with access to digital tools all within the American Express® app.

Don't live life without it.
See terms and conditions
  1. Membership Rewards® Program
    Terms and Conditions for the Membership Rewards® program apply. Visit for more information. Participating partners and available rewards are subject to change without notice.

    The value of Membership Rewards points varies according to how you choose to use them. To learn more, go to

  2. Membership Rewards® Program for Checking and Debit
    When you open an American Express® Rewards Checking Account, you will also receive a Membership Rewards® Account, in which you will earn one Membership Rewards point for every two dollars of eligible Debit Card purchases. Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do not include fees or interest charges, cash advances and cash equivalents, purchases of traveler's checks, purchases or reloading of prepaid cards, purchases of gift cards or person-to-person transactions. Currently, you can only redeem Membership Rewards points for a deposit into your checking account. However, if you also have a Rewards Account in connection with a Card Account, your Rewards Accounts can be linked and you will have access to all redemption options offered with that Card Account. For more information, visit

  3. No Monthly Account Fees and No Minimum Balance Requirements
    No minimum balance is required to open an account or earn interest and no minimum balance fees are charged for Rewards Checking Accounts. Inactive and/or unfunded accounts may be subject to closure. Please see the Rewards Checking Account Terms for further details.

  4. Annual Percentage Yield (APY)
    The Annual Percentage Yield (APY) as advertised is accurate as of . APY is subject to change at any time without notice before and after a Rewards Checking Account is opened. Please see the Rewards Checking Account Terms for additional terms and Truth-in-Savings disclosures. Transaction fees may reduce APY. APY rate compared to national deposit rate from the FDIC’s published Monthly Rate Information for Interest Checking deposit products, FDIC national rate is calculated as the simple average of interest rates paid by US FDIC-insured depository institutions and branches for which data is available. This national deposit rate reflects APY paid on a variety of interest-bearing checking accounts with terms, services and limitations that may differ. See the FDIC Website for details.

  5. Zero Liability Fraud Protection
    Zero Liability Fraud Protection does not include unauthorized charges made by users who you allow to use your Debit Card. You are responsible for notifying American Express promptly upon learning of an unauthorized transaction against your accounts or the loss or theft of your Debit Card or Debit Card number. Limitations apply. See the Rewards Checking Account Terms. Learn how we secure your payments at the American Express Security Center website.

  6. American Express® App
    iOS and Android only. See app store listings for operating system info.

  7. FDIC
    Accounts offered by American Express National Bank. Member FDIC. Each depositor is insured to at least $250,000. Learn More from