Rate Check by country: Canada · United States · United Kingdom
Key takeaways
- Business savings: best 3.50% APY standard vs the 0.38% FDIC national average.
- Money market and CDs: FDIC averages of 0.63% and 1.76% (12-month).
- Corporate cards: $0 foreign transaction fees vs 3% on a typical no-fee bank card.
- Three US cards on Treasi need no personal guarantee: Ramp, Brex and Mercury IO.
- A $10,000 invoice costs about $5 by ACH vs about $290 by online card.
What the Treasi Rate Check is
The Treasi Rate Check compares the best published rates and fees for US businesses with typical pricing, every month. “Best” means the highest published standard rate or lowest published fee among the providers Treasi compares, excluding promotions, which we show separately. “Typical” uses official benchmarks where they exist, such as the FDIC’s national average deposit rates, and otherwise the published pricing of large banks. All figures were checked in November 2026 on providers’ own pages or official sources. Rates change, so confirm before you act.
Business cash: best vs typical
| Product | Best on Treasi | Typical | What it means on $250,000 |
|---|---|---|---|
| Business savings (standard rate) | 3.50% APY (Axos Business Premium Savings) | 0.38% FDIC national average | About $8,750 a year vs about $950 |
| Business savings (no-fee, every dollar) | 2.75% APY (Live Oak Business Savings) | 0.38% FDIC national average | About $6,875 a year vs about $950 |
| Money market | Compare current offers | 0.63% FDIC national average | About $1,575 a year at the average |
| 12-month CD | Compare current offers | 1.76% FDIC national average | About $4,400 a year at the average |
Promotions this month: Axos offers up to 3.91% APY for 6 months to new customers who also open Basic Business Checking, and Capital One Business Advantage Savings offers about 3.50% APY for 3 months on balances of $10,000 to $10 million. Both revert to lower rates afterwards.
Corporate cards: best vs typical
| Feature | Best on Treasi | Typical bank card | Why it matters |
|---|---|---|---|
| Foreign transaction fee | $0 (Ramp, Capital One Spark Cash Plus, Amex Business Gold) | 3% (Chase Ink Business Unlimited) | On $5,000 a month of foreign spend, 3% costs $1,800 a year |
| Personal guarantee | Not required (Ramp, Brex, Mercury IO) | Required (Chase, Capital One, Amex) | Keeps company debt off your personal credit |
| Flat cash back, no annual fee | 1.5% (Mercury IO; Ramp up to 1.5%), no guarantee | 1.5% (Chase Ink Business Unlimited), guarantee required | Same rewards rate without personal liability |
| Flat cash back, any fee | 2% (Capital One Spark Cash Plus, $150 annual fee) | 1.5% no-fee cards | Worth it above about $30,000 a year of spend |
At $30,000 a month of card spend, 1.5% cash back returns about $5,400 a year.
Payments: best vs typical
| Payment type | Lower-cost option | Typical | On a $10,000 invoice |
|---|---|---|---|
| Large B2B invoices | ACH: 0.75% capped at $5 (Braintree) or 0.8% capped at $5 (Stripe) | 2.9% + 30¢ online card (Stripe) | About $5 by ACH vs about $290 by card |
| In-person cards | 2.7% + 5¢ (Stripe Terminal) | 2.9% + 30¢ online | Card-present costs less than online |
| Online cards and wallets | 2.59% + 49¢ (Braintree) | 2.9% + 30¢ (Stripe) | Braintree is cheaper on larger tickets; Stripe on small ones |
| International cards | Shown upfront | Stripe adds 1.5%, plus 1% if currency is converted | Price in USD to avoid conversion |
How to use this month’s Rate Check
- Move idle cash: compare your current savings rate with the 3.50% best standard rate and the 0.38% national average.
- Check your card’s foreign transaction fee if your team spends outside the US.
- Review personal liability on your company card.
- Offer ACH for large invoices to cut processing costs.
- Get your Treasi score to see where your own business is paying more than it needs to.
How we build the Rate Check
Each month we check the published rates and fees of the US providers Treasi compares on their own pages and pricing schedules, and the FDIC’s national average rates, published monthly. We separate promotional rates from standard rates, label anything we could not confirm directly, and never forecast rates.
Providers that can help
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FAQs
What is the Treasi Rate Check?
A monthly comparison of the best published rates and fees for US businesses against typical pricing, covering business savings, corporate cards and payments. Figures are checked on providers’ own pages and official sources such as the FDIC.
What is the best business savings rate in the US this month?
In November 2026, the best standard rate among the US accounts Treasi compares was 3.50% APY at Axos Business Premium Savings, against an FDIC national average of 0.38%.
What does typical mean in the Rate Check?
It uses official benchmarks where they exist, such as the FDIC’s national average deposit rates, and otherwise the published pricing of large banks, such as the 3% foreign transaction fee on Chase Ink Business Unlimited.
Which US corporate cards don’t require a personal guarantee?
Ramp, Brex and the Mercury IO card state that no personal guarantee is required. Bank cards from Chase, Capital One and American Express require one.
Is ACH cheaper than cards for invoices?
Usually, for larger amounts. ACH costs about 0.75%–0.8% capped at $5 with Braintree or Stripe, so a $10,000 invoice costs about $5, compared with about $290 by online card.
How often is the Rate Check updated?
Every month, using the latest published provider rates and the FDIC’s monthly national rates.
Sources: FDIC National Rates and Rate Caps (October 2026); Axos Bank business rates (as of 31 October 2026); Live Oak Bank Business Savings page; Capital One terms as reported by NerdWallet (November 2026); Chase Ink Business Unlimited terms; Treasi card database (Ramp, Brex, Mercury, Capital One, Amex); Stripe and Braintree published US pricing.