Capital One QuicksilverOne Cash Rewards Credit Card. Perks: The money market account offers a competitive APY and only requires a $ 100 minimum balance to open the account. Audiobooks downloaded can be played across multiple devices, and there is a family library option for many books, which means others can listen using a single purchase, providing they’ve been added to your Google Play family. Our pick for: Fair / average credit. It doesn # x2019; t have any service fees, so your interest earnings won # x2019; t take a hit.
It’s worth noting that you can download Google Play on Apple products too, and we’d recommend this as many audiobooks are cheaper here than Apple Books. CIT Bank offers nearly every type of bank account, unlike some other online banks. This card for people with fair or "average" credit pays the same cash-back rate as the regular Quicksilver card, which targets people with excellent credit. 6. The key difference is that this version charges an annual fee while the regular one does not. What to watch for: The money market account at CIT Bank has a $ 10 excessive transaction fee, which is capped at $ 50 per month. Apple Books: Good for iPhone users. Read our review.
It also has an overdraft fee of $ 25 and a $ 30 stop payment fee. Apple Books. 8. Bank of America® Business Advantage Travel Rewards World Mastercard® credit card. A decent download site, especially if you’re in the Apple ecosystem. High Rate: TIAA Bank – 0.40% APY.
Our pick for: Small business. Free trial ?: No | Book exchange ?: No | Podcasts ?: Separate app | Listen offline ?: Yes. $ 500 minimum deposit to open account. This is the business version of the issuer # x27; s excellent no-annual-fee travel card. Apple Books isn’t a subscription service, and it functions as more of a traditional online store. Best for APY guarantee. The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card pays solid rewards on every purchase and gives you wide flexibility in redeeming your points for any travel purchase, without the restrictions of branded airline and hotel cards. However, that comes with advantages and disadvantages.
Overview: TIAA Bank, formerly known as EverBank, provides a range of banking, lending and investing options. Read our review. There’s no monthly fee, for a start, so you’re not compelled to download a new book every month to justify the cost – you just pay as you go. Its deposit products include a high-yield money market account, checking, savings and CDs. Deserve® EDU Mastercard for Students. Apple Books is also brilliant for audiobooks, as you can download the app to your Apple Watch, and listen to books while working out, or on your commute, with absolutely no fuss.
In addition to competitive rates on banking products, TIAA Bank also offers mobile banking and online tools. Our pick for: College students. If you’re locked into the Apple tech ecosystem, it’s a great option, especially as iCloud lets you share purchased items across all your devices.
The Deserve® EDU Mastercard for Students doesn’t require applicants to have a co-signer or security deposit, and international students don # x27; t need a Social Security number. Perks: One of the biggest perks you’ll find with TIAA Bank is its "Yield Pledge," which maintains that its yield pledge money market account rate will always be competitive and in the top 5 percent. If not, things get a little less appealing. Its money market account also has no monthly fee, allows for mobile check deposits and is IRA-eligible.
That makes it a little easier to get approved – even for students with limited credit histories. Audiobooks on Apple Books can be quite expensive, and you’re not getting a free download each month. As long as you keep at least $ 5,000 in your yield pledge money market account, TIAA Bank will reimburse all ATM fees charged by other banks. Plus, it comes with a solid 1% back on all purchases. If you get through several audiobooks per month, you’ll actually be paying more to buy them individually, so that freedom to listen at your own pace comes at a cost for regular users. Read our review.
Regardless of your balance, you # x2019; ll be reimbursed up to $ 15 for ATM fees incurred by using non-TIAA Bank ATMs. There selection on Apple Books is vast, which is good, and you also get to read free previews of books if you’re unsure about whether they’re for you. Customers with this account can also use Allpoint and MoneyPass ATMs without being charged a fee. Capital One® Savor® Cash Rewards Credit Card. Obviously, there aren’t as many audiobooks as regular books, so the selection is more limited than in specialist providers like Audible and Audiobooks.com. Our pick for: Dining and entertainment.
What to watch for: An official check will cost you $ 10 from TIAA Bank. There are also few freebies either, and podcasts require a separate app from the App Store. Also, reimbursement of out-of-network ATM fees are capped at only $ 15 per month. If a night out is more than a once-in-a-while proposition for you, consider the Capital One® Savor® Cash Rewards Credit Card. A good option for Apple users, then, but not as compelling as others.
You get a best-in-class cash-back rate on dining, entertainment and eligible streaming services, plus bonus rewards at grocery stores. So keep track of these fees to make sure they don # x2019; t surpass this amount. 7. The sign-up bonus is one of the best you can get on a cash-back card. 9. Downpour: Best for casual readers / listeners.
High Rate: Synchrony Bank – 0.35% APY. Read our review. Downpour. Last updated on August 23, 2021. $ 0 minimum deposit for APY. A flexible pricing model makes Down for ideal for irregular readers.
Methodology. Best for regular and IRA money market accounts. Free trial ?: No | Book exchange ?: No | Podcasts ?: No | Listen offline ?: Yes.
Overview: Synchrony Bank offers a money market account, a savings account and CDs. NerdWallet # x27; s credit cards team selects the best cards in each category based on overall consumer value. If you don’t feel like you’ll listen to more than one audiobook per month, Downpour is a good option.
Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. Perks: The Synchrony Bank money market account has check-writing privileges. For your $ 12.99 monthly fee you’ll be awarded one credit each month, which can be used to purchase any audiobook from Downpour’s store.
A single card is eligible to be chosen in multiple categories. You just need to ask the bank for checks once you deposit money into your account. Credits don’t expire for 12 months, and simply roll over, so if you don’t read / listen regularly, you can just save up credits for when you’re likely to read more (vacations, long journeys, public holidays etc) . About the author. Also, you can get an ATM card for your money market account.
What’s more, you can rent books from Downpour without buying them, so you can pay less for a book that you intend to read once, but not keep forever. NerdWallet. At the very least, you # x2019; ll receive a refund of $ 5 per statement cycle of ATM fees charged by domestic bad credit loans ATM providers. Handy. Those who have Diamond status in Synchrony # x2019; s rewards program receive unlimited ATM fee refunds on their accounts. Disclaimer: NerdWallet strives to keep its information accurate and up to date. This exists outside the monthly credit system, so you’re not forced to use your precious credits on rentals.
What to watch for: ATM fees outside of the U.S. aren # x2019; t eligible for a refund. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. The downsides to Downpour are that the selection isn’t as extensive as the likes of Audible and Audiobooks.com, and you don’t get a lot of extras. All financial products, shopping products and services are presented without warranty.
10. There’s no free trial, here, although you do get assigned a free book when you first sign-up. When evaluating offers, please review the financial institution’s Terms and Conditions. High Rate: Discover Bank – up to 0.35% APY. Books on site can be bought with money, on a pay-as-you-go basis, but they’re pretty expensive. Pre-qualified offers are not binding. $ 100,000 minimum deposit for top APY. Overall, it’s a decent service, but probably won’t satisfy anyone who reads audiobooks more regularly.
If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. Best for rewarding jumbo scales. 8. Overview: Discover Bank is an online bank that offers a variety of products. Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc .: Licenses. Librivox: Totally free, but limited to classics. NerdWallet Compare, Inc.
It has a money market account, a savings account, a checking account, and 12 terms of both regular CDs and IRA CDs. LibriVox. NMLS ID # 1617539. Perks: Jumbo balances get a little higher yield in the Discover Bank money market account. A free download service, but very limited selection. California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License # 60DBO-74812.
Balances of $ 100,000 earn a little higher rate. Free trial ?: Totally free | Book exchange ?: No | Podcasts ?: No | Listen offline ?: Yes. What to watch for: You # x2019; ll need $ 2,500 to open this account. While not a traditional audiobook service, LibriVox is well worth checking out.
Best kredit. Essentially, it’s a repository for public domain audio books, which means everything on the site is completely free. But after you open the account you # x2019; re not charged a fee for falling below $ 2,500. Internet credit brokerage since 2009.
What is a money market account and how does it work?