Ryan Wilcox

Full-Time Personal Finance Writer | TMFRyanWilcox

Expertise

Credit cards, banking, investing, insurance, personal loans

NUMBER OF PUBLICATIONS: 217 | LAST PUBLISH DATE: 12-24-2025

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

• Here's What Happens When Your Credit Score Reaches a Perfect 850
  Oct 14, 2025
  Getting an 850 credit score might sound cool -- but is it necessary? Learn why getting a perfect score isn't as important as you might …
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• I'm Sick and Tired of Overdraft Fees. Here Are the 3 Best Banks Without Them
  Oct 11, 2025
  Looking for a savings account that won't eat into your cash with overdraft fees? Here are three of my favorite banks that don't charge them …
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• This Is What Really Happens When You Withdraw $10,000 From Your Bank Account
  Oct 11, 2025
  Thinking of taking $10,000 out of your savings account? Here's what happens when you do it -- and why the government will find out.
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• Why $50K in Savings Is Probably Too Much
  Oct 10, 2025
  Leaving too much cash in your savings account is costing you in the long run. Here's what to do instead.
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• 3 Savings Accounts Crushing Chase on Interest Rates
  Oct 10, 2025
  Interest rates are expected to fall soon, but SoFi®, CIT, and Barclays are still offering savings accounts with strong APYs. Find out which is right …
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• Why CDs Are a Great Place for Your Cash in October 2025
  Oct 8, 2025
  When interest rates fall, rates on all types of savings products fall, too. Learn why now's the perfect time to lock your money in a …
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• $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.
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• 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 …
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• 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.
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• 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.
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• 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.
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• 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 …
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• 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.
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• 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.
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• Every $10K You Keep in a Chase Savings Account Costs You a New Pair of AirPods Every Year
  Sep 29, 2025
  Learn how moving $10,000 out of your Chase savings account can earn you hundreds of dollars more a year in interest.
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• 3 Savings Accounts Crushing Wells Fargo on Interest Rates
  Sep 29, 2025
  Want to earn more than 0.01% on your savings? Here are three accounts that'll get you hundreds of times more in interest than Wells Fargo.
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• Kept $10K in a Wells Fargo Account for 5 Years? You Missed Out on Almost $2,000 in Interest
  Sep 29, 2025
  If you're keeping $10,000 in a Wells Fargo savings account, you're missing out on hundreds of dollars in interest a year. Learn how you can …
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• Most Americans Are Getting Ripped Off by Their Bank -- Are You One of Them?
  Sep 29, 2025
  Learn how moving your savings out of a big bank could earn you hundreds of dollars a year in additional interest.
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• If You're Parking More Than $25K in Your Savings Account, You're Doing It Wrong
  Sep 29, 2025
  Keeping more than a few months' worth of expenses in your savings account could cost you. Find out where you should put your cash instead.
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• Bank of America's Savings Account Might Be the Worst Place for Your Money
  Sep 29, 2025
  Bank of America's standard savings rate is just 0.01% APY. Here's how to switch to a high-yield savings account and earn hundreds more in interest …
  Read More
• Keeping $10,000 in a Bank of America Savings Account? You Could Be Earning $380 More a Year
  Sep 29, 2025
  Bank of America savings accounts earn next to nothing in interest. Here's how easy it is to earn hundreds more with a high-yield savings account.
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• If You Have More Than $5,000 in Savings, This Might Be the Best Bank Account for You
  Sep 29, 2025
  CIT Platinum Savings offers a sky-high APY on account balances of $5,000 or more. Here's why it's a great fit for anyone who keeps a …
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• Capital One 360 Performance Savings Review
  Sep 29, 2025
  Earn a competitive APY while enjoying in-person branch access with Capital One's 360 Performance Savings account. Learn if it's right for you today.
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• 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