VaultRubric
Wealthfront Cash vs Betterment Cash
Wealthfront Cash and Betterment Cash are both popular high-yield savings accounts. Here are the sourced facts side by side, then VaultRubric's equal-weight score with the math shown. Every value links to its source with an as-of date; anything we couldn't verify says not found.
Rates change often — verify on the bank's or broker's site before opening an account. Every value shows its as-of date; ⚑ marks figures from third-party sites. Not financial advice.
Run your own comparison →Opens the tool with these platforms filled in, so you can change the weights.
Key facts compared
| Fact | Wealthfront Cash | Betterment Cash |
|---|---|---|
| APY (standard) | 3.55% src · 2026-10-10 | 3.5% src · 2026-10-10 |
| APY conditions | not found | not found |
| Promo (not scored) | apy: up to 4.45%, boost_cap: $150,000 src · 2026-10-01 | boost: 0.75% on up to $1M, ends: 2027-02-15 src · 2026-09-21 |
| Minimum to earn APY | not found | $10 src · 2026-09-21 |
| Monthly fee | $0 src · 2026-10-10 | $0 src · 2026-10-10 |
| Deposit insurance | Up to $8,000,000 src · 2026-10-10 Not a bank; sweep to FDIC-insured program banks | Up to $8,000,000 src · 2026-10-10 Not a bank; program banks sweep |
| FDIC cert | not found | not found |
| Regulatory actions (5 yrs) | none found in last 5 yrs src · 2026-10-10 | 2023-04-18 SEC: $9M penalty for tax-loss harvesting misstatements src |
VaultRubric verdict
VaultRubric pick: Wealthfront Cash
⚠ Betterment Cash: Regulatory: SEC: $9M penalty for tax-loss harvesting misstatements (2023-04-18)
| Criterion (weight) | Wealthfront Cash | Betterment Cash |
|---|---|---|
| APY (standard rate) (20%) | 10.0/10 | 9.9/10 |
| Minimum to earn APY (20%) | not found | 9.0/10 |
| Fees (20%) | 10.0/10 | 10.0/10 |
| Deposit insurance (20%) | 10.0/10 | 10.0/10 |
| Regulatory record (20%) | 10.0/10 | 9.0/10 |
| Overall | 100.0% coverage 80% | 95.8% coverage 100% |
Show math: Wealthfront Cash
0.200×10.0 + 0.200×10.0 + 0.200×10.0 + 0.200×10.0 = 8.00; ÷ covered weight 0.800 = 10.00/10 → 100.0%Show math: Betterment Cash
0.200×9.9 + 0.200×9.0 + 0.200×10.0 + 0.200×10.0 + 0.200×9.0 = 9.58; ÷ covered weight 1.000 = 9.58/10 → 95.8%Opens the tool with these platforms filled in, so you can change the weights.
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FAQ
Is Wealthfront Cash or Betterment Cash better?
On VaultRubric's equal-weight rubric, Wealthfront Cash scores higher (100.0% for Wealthfront Cash, 95.8% for Betterment Cash). Change the weights in the tool to match your priorities.
Which pays more, Wealthfront Cash or Betterment Cash?
Standard APY in our data: Wealthfront Cash 3.55% (as of 2026-10-10), Betterment Cash 3.5% (as of 2026-10-10). Rates are variable; check each bank's site.
Has Betterment Cash faced regulatory action recently?
Our data lists: 2023-04-18 SEC: $9M penalty for tax-loss harvesting misstatements.
How does VaultRubric score these?
Only from our curated dataset (official pages, regulators, and flagged third-party sites), with fixed formulas shown in “Show math”. No AI or live scraping, so the same comparison always gives the same result. Not financial advice.