Ryan Wilcox

Full-Time Personal Finance Writer | TMFRyanWilcox

Expertise

Credit cards, banking, investing, insurance, personal loans

NUMBER OF PUBLICATIONS: 193 | LAST PUBLISH DATE: 10-27-2025

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

• $50K in the Bank? Here's When It's Too Much -- and What to Do Instead
  Oct 7, 2025
  Keeping too much cash in your savings account could be costing you. Here's where you should put your money instead.
  Read More
• Your $10,000 in Savings With Bank of America Is Doing You Zero Favors. How to Earn $300 More a Year
  Oct 6, 2025
  Tired of earning next to nothing in interest with your Bank of America savings account? Here's how you can earn $300 more a year on …
  Read More
• Should You Open a 5-Year CD in October 2025?
  Oct 6, 2025
  Interest rates are falling. Is now the time to lock up your money long-term? Learn the pros and cons of opening a 5-year CD today.
  Read More
• The Best Flat-Rate Cash Rewards Credit Cards This Week, Oct. 6, 2025: Including Sign-Up Bonuses
  Oct 6, 2025
  Our favorite flat-rate cash rewards cards are offering up to 2% back on everything you buy -- and they all have no annual fee. See …
  Read More
• 3 Travel Card Perks People Forget to Use
  Oct 5, 2025
  Under-the-radar card perks like priority boarding can help save you a ton on travel. See how easy it is to take advantage today.
  Read More
• 3 Important Things to Know Before You Apply for the Amex Platinum Card
  Oct 4, 2025
  The Amex Platinum Card recently got its biggest update in years, and it's now more valuable than ever. Here's what you should know before applying.
  Read More
• I Write About Savings Accounts for a Living. Here's Why I Hate Bank of America
  Oct 4, 2025
  Still saving with Bank of America? You're probably earning next to nothing in interest. Here's how to switch to a high-yield savings account today.
  Read More
• Interest Rates Are on the Decline. Here's What to Do With Your Cash Today
  Oct 4, 2025
  Looking for steady ways to grow your cash, even with falling interest rates? Here's why CDs, HYSAs, and index ETFs are all great choices.
  Read More
• The Credit Card That Pays You 2% Back on Every Purchase
  Oct 4, 2025
  The Wells Fargo Active Cash is one of the best flat-rate credit cards on the market. Learn why I think everyone should have it in …
  Read More
• Scared of Falling Interest Rates? Here's Where to Put $10,000 in October 2025
  Oct 4, 2025
  Learn how building a CD ladder can help you lock in a high APY for years, even with interest rates on the decline.
  Read More
• Chase Might Be the Worst Place to Keep $20,000 in Savings. Here's Why
  Oct 3, 2025
  A Chase savings account is one of the worst places to keep your money. Read on to learn about two better places to save today.
  Read More
• Why the Updated Amex Platinum Might Be the Best Card of October 2025
  Oct 3, 2025
  The refreshed Amex Platinum added nearly $1,500 in new and expanded perks. Learn why we think it's one of the best cards on the market …
  Read More
• Crush Credit Card Debt for 21 Months With This Wells Fargo Card
  Oct 2, 2025
  The Wells Fargo Reflect offers an intro APR on purchases and balance transfers for almost two whole years. Learn why else we love it as …
  Read More
• I Keep Less Than $100 in My Checking Account. Here's Why
  Oct 2, 2025
  My checking account has next to nothing in it, and that's intentional. Here's how I earn hundreds of dollars a year on the rest of …
  Read More
• Up to 4.15% APY: The 3 Best Long-Term CDs of October 2025
  Oct 1, 2025
  Interest rates are expected to fall over the next few years. Here's how you can keep earning a high APY with our favorite long-term CDs.
  Read More
• If You're Saving $15,000 With Wells Fargo, You Could Be Making $500 More a Year
  Sep 30, 2025
  Your Wells Fargo savings account is earning next to no interest. Here's why it's time to open a high-yield savings account.
  Read More
• Act Now: Snag an Easy $200 Bonus With This No-Annual-Fee Chase Card
  Sep 30, 2025
  The Chase Freedom Unlimited® card has an easy-to-earn welcome bonus and valuable ongoing perks. Learn why it's worth applying for today.
  Read More
• Don't Wait: Earn $200 in Bonus Cash With This No-Annual-Fee Card
  Sep 30, 2025
  The Wells Fargo Active Cash is one of the best flat-rate cash reward cards on the market. Learn how you can earn its valuable welcome …
  Read More
• My 'Forever' Wallet: 3 Credit Cards You Can Keep Forever
  Sep 30, 2025
  These three credit cards offer valuable ongoing rewards on travel, groceries, and everyday spending. Learn why they deserve a permanent spot in your wallet.
  Read More
• The 3 Safest Places to Park Your Cash in September 2025
  Sep 30, 2025
  Looking for a way to earn more while keeping your money safe? Learn why HYSAs, CDs, and index ETFs are all great options.
  Read More
• 3 Things to Know Before You Apply for the Amex Platinum Card
  Sep 29, 2025
  The Amex Platinum just got its biggest update in years -- and it's more valuable than ever. Here's what you need to know before you …
  Read More
• How I Make $760 a Year on My Cash Without Lifting a Finger
  Sep 28, 2025
  I moved my $20,000 from Wells Fargo to SoFi® -- now I'm earning $760 a year in interest without doing a thing. Here's how you …
  Read More
• The 3 Biggest Mistakes You Can Make When Investing in CDs
  Sep 27, 2025
  CDs can be a smart way to grow your money, but simple mistakes could cost you. Learn how to avoid the biggest CD pitfalls today.
  Read More
• Here's How Much Money You Can Make With $10,000 in a High-Yield Savings Account
  Sep 27, 2025
  Still keeping your $10,000 in a traditional savings account? Learn how one simple switch can earn you hundreds more in interest every year.
  Read More
• Have $50K in Savings? Here's What to Do With It
  Sep 26, 2025
  Keeping too much cash in your savings account could be costing you. Here's where to put your money instead.
  Read More