- Motley Fool Money Authors
- Ryan Wilcox
Ryan Wilcox
Full-Time Personal Finance Writer | TMFRyanWilcox
Expertise
Credit cards, banking, investing, insurance, personal loans
NUMBER OF PUBLICATIONS: 214 | LAST PUBLISH DATE: 12-23-2025
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
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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.
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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.
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$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 …
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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.
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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 …
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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 …
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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 …
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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.
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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 …
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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.
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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 …
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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.
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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.
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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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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 …
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Chase Freedom Unlimited vs. Discover It Cash Back
Nov 18, 2025
Learn how the Chase Freedom Unlimited and Discover it Cash Back compare on rewards, welcome bonuses, and more to see which is right for you.
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Why $50K in Savings Is Probably Too Much
Nov 15, 2025
If you've built up a solid emergency fund, a standard savings account is one of the worst places for your extra cash. Here's where to …
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I Review Bank Accounts for a Living. Here's Where I'd Put $10,000
Nov 14, 2025
High-yield savings accounts are the best place for your cash in 2025. Here are a few of my favorites based on APY, additional perks, and …
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Best Premium and Luxury Credit Cards
Oct 15, 2025
Find a premium card that fits your lifestyle. Check out our list of the best luxury credit cards for travel and valuable rewards.
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If You Withdraw $10,000, the Government Is Going to Know About It. Here's Why
Nov 13, 2025
The government finds out when you withdraw $10,000 from your bank account. Here's why -- and what you should (or shouldn't) do about it.
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$50K in the Bank? Here's When It's Too Much -- and What to Do Instead
Nov 13, 2025
Keeping too much money in your bank account could be costing you in the long run. Here's what to do with your extra cash instead.
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3 Savings Accounts Crushing Chase on Interest Rates
Nov 13, 2025
Interest rates are expected to fall soon, but SoFi®, CIT, and Axos are still offering savings accounts with strong APYs. Learn which one's right for …
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What Happens When You Reach an 850 Credit Score? It's Not What You Think
Nov 12, 2025
Having a perfect 850 credit score might sound impressive -- but what does it really get you? Here's the truth in 2025.
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