Ryan Wilcox

Full-Time Personal Finance Writer | TMFRyanWilcox

Expertise

Credit cards, banking, investing, insurance, personal loans

NUMBER OF PUBLICATIONS: 333 | LAST PUBLISH DATE: 07-31-2026

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

• Citi Double Cash® Card vs. Amex Blue Cash Preferred
  Jun 23, 2026
  Learn how the Citi Double Cash and Amex Blue Cash Preferred compare on rewards, welcome bonuses, and more to see which is right for you.
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• Top High-Yield Savings Accounts Offering up to 5.00% APY Today, June 23, 2026
  Jun 23, 2026
  The Fed concluded its June meeting last week with no change to rates. Top HYSAs continue to offer up to 5.00% APY.
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• This Is the Top High-Yield Savings Account Right Now (It Pays up to 4.00%)
  Jun 22, 2026
  Earn more on your money today with LendingClub's high-yield savings account. See how much more you could be making today.
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• Best High-Yield Savings Rates Today, June 22, 2026: Up to 5.00% APY Still on Offer
  Jun 22, 2026
  The best high-yield savings accounts continue to offer up to 5.00% APY after the Fed held rates steady again this month. Find out more.
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• How Often Should You Apply for a New Credit Card?
  Jun 21, 2026
  There's no universal rule for how often you should land a new credit card -- but there are a few important things to consider. Here's …
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• Best Savings Accounts Rates Today, June 20, 2026: Up to 5.00% APY
  Jun 20, 2026
  Today's best high-yield savings accounts offer up to 5.00% APY -- see top rates and choose the perfect place to help your money grow faster …
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• Top High-Yield Savings Accounts Offering up to 5.00% APY Right Now, June 19, 2026
  Jun 19, 2026
  Top high-yield savings accounts are still paying up to 5.00% APY, but those yields could change as we head toward the back half of 2026.
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• Best High-Yield Savings Accounts Today, June 18, 2026: Up to 5.00% APY Still on the Table
  Jun 18, 2026
  The Fed has held rates steady four times so far in 2026. As a result, today's top high-yield savings accounts continue to offer up to …
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• Top High-Yield Savings Accounts Offering up to 5.00% APY Today, June 17, 2026
  Jun 17, 2026
  The best high-yield savings accounts continue to offer up to 5.00% APY -- for now. The Fed concludes its latest meeting later today, with no …
  Read More
• Amex Gold vs. Chase Sapphire Preferred
  Jun 15, 2026
  Trying to decide between the Amex Gold Card and Chase Sapphire Preferred? I'll break down the key differences to help you choose the best card …
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• 5 Ways to Invest $1,000 Right Now
  Jun 14, 2026
  Have $1,000 to invest? Here are five smart ways to put it to work, from index funds to high-yield savings, that can earn you real …
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• Don't Keep Cash at Home. Here Are 3 Easy Places to Put It Instead
  Jun 13, 2026
  Keeping cash at home means losing money to inflation every day. Here are three better places to park it -- and actually earn something.
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• Best Brokers for SPCX Stock in June 2026
  Jun 12, 2026
  Want to take part in the largest IPO in stock market history? Here are three great places to grab a piece of SpaceX today.
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• Here's What Actually Changes When Your Credit Score Hits 800
  Jun 11, 2026
  Hitting an 800 credit score is a big accomplishment, but it's not the end-all, be-all. Here's what actually changes when you do it -- and …
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• Guide to Wells Fargo Rewards
  Jun 9, 2026
  Read our guide to Wells Fargo Rewards to learn the pros and cons of its credit card program and how to redeem your points and …
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• Here's What Happens When You Keep a Credit Card Open for Over 10 Years
  Jun 9, 2026
  Keeping a credit card open for a decade does more for your finances than you might think. Here's what actually changes (and what doesn't).
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• Here's Why You'll Probably Never Hit a 'Perfect' 850 Credit Score
  Jun 5, 2026
  A perfect 850 credit score sounds great in theory, but chasing it is mostly a waste of energy. Here's why -- and the number to …
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• Bank Without Worry at the 10 Safest Banks in the U.S.
  Jun 3, 2026
  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.
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• Synchrony Bank High Yield Savings Review
  May 19, 2026
  The Synchrony Bank High Yield Savings account is one of the easiest ways to earn more on your cash. Here's our full review and how …
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• My Friend's Credit Score Dropped 50 Points Overnight. Here's Why
  May 16, 2026
  Your credit score can drop quickly without warning -- but there's always a reason. Here's what can happen and how to diagnose the problem fast.
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• Here's What Happens When You Only Use Credit Cards
  May 11, 2026
  What actually happens when you ditch cash and debit entirely for credit cards? I tried it. Here's what I learned: the good, the bad, and …
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• Why Closing a Credit Card 'Responsibly' Can Still Hurt You a Decade Later
  May 9, 2026
  Closing a credit card the "right way" doesn't protect you from the long-term credit damage that can follow. Here's what most guides won't tell you.
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• Here's What Happens When You Open 5 Credit Cards in One Year
  May 8, 2026
  Opening five credit cards in one year is a bold move. Here's what actually happens to your credit score, rewards, and finances when you do …
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• 4 Reasons You Can Get Denied for a Credit Card That Have Nothing to Do With Your Score
  Apr 25, 2026
  Think an 800+ credit score guarantees card approval? Here are four reasons you can still get denied for a card that have nothing to do …
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• Here's What to Do When a Card's Annual Fee Is No Longer Worth It
  Apr 23, 2026
  Got a credit card that's not pulling its weight? Here's what to do about it -- and when canceling might not be the best idea.
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