Opinions expressed here are our own, not those of any bank, credit card issuer, airlines or hotel chain. Terms apply to offers listed.
The Wealthfront Cash Account offers 4.00% APY on your cash, with no monthly fees and no minimum balance requirement. You can start earning interest with just one dollar. What really stands out is that you get FDIC insurance up to $8 million through their partner banks, which gives extra peace of mind when you’re holding more cash than usual.
You also get strong flexibility: there’s a debit card, bill pay, free access to 19,000+ ATMs, two reimbursements per month for out‑of‑network ATM fees (up to a limit), and 24/7 instant withdrawals to eligible external accounts. If you want, you can use routing/account numbers to pay bills or send checks, which is helpful when saving and spending overlap in your cash flow. It’s not exactly a savings account by legal definition but it behaves like one in most ways that matter for users.
Overall, this account is ideal if you want a mix of savings and spend‑access without sacrificing yield. If you’re keeping money liquid for short‑term goals but don’t want to lose out to low interest rates, Wealthfront gives you one of the better blends of access + return.
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I don’t include all US credit card offers available on this site. Instead, I write primarily about cards which earn airline miles, hotel points, and some cash back (or have points that can be converted into the same).
Editorial Note: The opinions, analyses, and evaluations here are mine and not provided by any bank including (but not limited to) American Express, Chase, Citibank, US Bank, Barclays or any other company. They have not reviewed, approved or endorsed what I have to say.
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