Ryan Wilcox

Full-Time Personal Finance Writer | TMFRyanWilcox

Expertise

Credit cards, banking, investing, insurance, personal loans

NUMBER OF PUBLICATIONS: 202 | LAST PUBLISH DATE: 12-04-2025

Past Experience

Content Writer, The Points Guy

Summary

Ryan Wilcox is a full-time Personal Finance Writer at Motley Fool Money, covering credit cards, bank accounts, investing, auto insurance, and other personal finance topics. Ryan has been writing about credit cards and savings since 2022. Before joining Motley Fool Money, he was a full-time writer at The Points Guy, where he focused on maximizing credit card rewards and travel strategies. He holds a bachelor’s degree in English and American History from the University of North Carolina at Chapel Hill, where he also spent four years reporting for The Daily Tar Heel. With a background in both journalism and consumer finance, he brings a clear and thoughtful voice to money topics. Outside of work, Ryan is likely reading, writing, or updating his Letterboxd account.

Ryan's Recent Articles

• Act Now: Earn a Bonus Worth $1,000+ With This Chase Business Card
  Dec 4, 2025
  This Chase card is one of the best ways to save on business expenses, rideshare, food delivery and more. Here's what you need to know.
  Read More
• Here's How Much You Can Make With $20,000 in a High-Yield Savings Account
  Dec 4, 2025
  Your $20,000 in a traditional savings account is probably earning next to nothing. Here's how much more you can make with a high-yield savings account.
  Read More
• 3 Underrated Amex Platinum Perks Frequent Travelers Should Know About
  Dec 4, 2025
  The Amex Platinum offers so many travel perks that some of them can get lost in the shuffle. Here are three underrated ones worth remembering.
  Read More
• Best Places to Keep Your Emergency Fund
  Dec 3, 2025
  Want easy access and solid returns on your emergency savings? See our picks for the best places to keep your emergency fund in 2025.
  Read More
• $50K in the Bank? Here's When It's Too Much -- and What to Do Instead
  Dec 3, 2025
  If you've built up your emergency fund, a standard savings account is one of the worst places for your extra cash. Here's where to put …
  Read More
• Get 2% Back on Everything and a $200 Bonus With This Credit Card
  Dec 3, 2025
  The Wells Fargo Active Cash offers simple, unlimited 2% cash rewards and an easy-to-earn welcome bonus. Here's why it's my favorite credit card out there.
  Read More
• Amex Blue Cash Everyday Review
  Dec 2, 2025
  Learn why the Amex Blue Cash Everyday is a great option for routine spending, offering strong cash back on groceries, gas, and online shopping for …
  Read More
• Bank Without Worry at the 10 Safest Banks in the U.S.
  Dec 2, 2025
  Explore the top 10 safest banks in the U.S. and uncover the key features that make them secure, from FDIC insurance to cutting-edge security measures.
  Read More
• Earn Cash Back on Every Grocery Run -- Even When You Switch Stores
  Dec 2, 2025
  These credit cards can earn you up to 6% back on your next grocery run, no matter where you go. Read to find out which …
  Read More
• Here's How to Get 0% Intro APR for 21 Months With No Annual Fee
  Dec 2, 2025
  The Wells Fargo Reflect comes with an intro APR offer that lasts almost two years. Here's why it's my favorite balance transfer card out there …
  Read More
• The Best Flat-Rate Credit Cards This Week, Dec. 1, 2025 -- Earn up to 2% Back on Everything
  Dec 1, 2025
  With a top cash rewards credit card, you can earn 2% on every purchase without paying an annual fee. Find out which one's right for …
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• These 3 Cards Come With 0% APR Until 2027
  Nov 30, 2025
  Looking for an easier way to erase high-interest debt? Learn how you can get back on track with these three great balance transfer cards.
  Read More
• Amex Platinum vs. Chase Sapphire Reserve: Which Has Better Travel Perks?
  Nov 28, 2025
  The Amex Platinum and Chase Sapphire Reserve are two of the best luxury travel cards you can find. Here's how to know which one you …
  Read More
• This Credit Card Bonus Is the Easiest $200 You'll Ever Earn
  Nov 27, 2025
  The Wells Fargo Active Cash is one of the most versatile credit cards out there, and it's got an easy-to-earn welcome offer to match.
  Read More
• How the Chase Sapphire Preferred Card Can Pay for Its Annual Fee 8 Times Over
  Nov 25, 2025
  My favorite Chase card can deliver over $800 in first-year value with two simple perks. Here's how easy it is to save with the Sapphire …
  Read More
• Why Premium Cards Are Worth It in 2026 -- Even With High Annual Fees
  Nov 25, 2025
  Scared off by the annual fee on premium credit cards? Here's how easy it is to get value from them -- using one of my …
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• What Happens When You Hit an 850 Credit Score? Here's the Truth
  Nov 25, 2025
  Getting a perfect credit score is impressive, but is it necessary? Here's what an 850 does -- and doesn't -- get you.
  Read More
• Amex Platinum Offers a Massive Welcome Bonus. Find Out Your Offer Now
  Nov 24, 2025
  The Amex Platinum offers thousands of dollars in annual perks -- and a crazy valuable welcome offer. Here's how to apply and earn it today.
  Read More
• Earn 2% on Everything: The Best Flat-Rate Cash Back Cards This Week, Nov. 24, 2025
  Nov 24, 2025
  Earn up to 2% cash back on every purchase with the best flat-rate rewards cards -- no annual fee required. Compare top options and find …
  Read More
• Why the Chase Sapphire Preferred Is Still My No. 1 Travel Card
  Nov 22, 2025
  With the Chase Sapphire Preferred, you can get more than $800 in first-year value. Here's why it's still my go-to travel card recommendation.
  Read More
• How Personal Loan Pre-Approval Works
  Nov 21, 2025
  Read our guide to how personal loan pre-approval works to learn why it matters and how to boost your chances of qualifying -- without hurting …
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• Don't Want to Pay the Chase Sapphire Reserve Card's $795 Fee? Here Are 3 Alternatives
  Nov 21, 2025
  A $795 annual fee is a lot to ask for some people. Here are three credit cards that might be able to help you save …
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• Best Credit Card for Groceries: This Amex Card Just Won Our Crown Again
  Nov 21, 2025
  The Amex Blue Cash Preferred was just named our favorite grocery card of the year -- again. Here's how it can earn you hundreds a …
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• The Wells Fargo Reflect Card Is Our Top Pick for Avoiding Interest Payments in 2025
  Nov 20, 2025
  The Wells Fargo Reflect comes with an intro APR offer that lasts almost two whole years. Here's why it's our favorite balance transfer card out …
  Read More
• Here Are 3 Reasons Why Retirees Need to Move Their Cash to a High-Yield Savings Account
  Nov 20, 2025
  Want an easier way to earn more on your savings in retirement? Here are three reasons why opening a high-yield savings account is the way …
  Read More