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Ryan Flanigan, CCC

Former Writer, Credit Cards
  • 5
    Years writing about credit cards
  • 3
    Years with Bankrate
CD Icon CREDENTIALS
  • Certified Credit Counselor
Ribbon Icon EXPERTISE
  • Rewards credit cards
  • Travel credit cards
  • Cash back credit cards
  • Business credit cards
  • Credit card debt
Education Icon EDUCATION
  • Bachelor of Fine Arts, Point Park University

About the author

Ryan Flanigan is a former Bankrate credit cards writer and Certified Credit Counselor with the National Association of Certified Credit Counselors. He has more than 10 years of experience using credit cards to help people reach their travel goals. Before he began writing about maximizing credit card points, Ryan performed worldwide as an entertainer, which grew his love of travel.

Before Bankrate, Ryan spent the past three years as a freelance writer for AwardWallet and Miles To Memories, discussing beginning to advanced strategies.

In his free time, he enjoys traveling with his family, watching sports and creating memories with his son.

Ryan wants you to know

Don’t be afraid of using credit cards to help put money back in your pocket. Whether in miles, points, or cash back, as long as you have the discipline to use credit cards responsibly, you can reap significant rewards to make your dreams come true.

My miles and points philosophy can be summed up in three words — earn and burn.

— Ryan Flanigan, CCC

Ryan's latest articles

  • Best Capital One Credit Cards for May 2026

    These are Bankrate's top picks for the best Capital One credit cards to add to your wallet. Read our expert advice and compare the latest offers from Capital One.

    12 min read May 12, 2026

  • Best Credit Cards for Excellent Credit in May 2026

    With excellent credit, you will qualify for the best credit card offers on the market in 2025. The experts at Bankrate have chosen the best credit cards for excellent credit available from our partners.

    9 min read May 12, 2026

  • Best Hotel Credit Cards for May 2026

    For consumers who travel frequently, a good hotel credit card is a must-have. With generous sign-up bonuses and competitive rewards rates, these are the best hotel rewards cards available from Bankrate's credit card partners.

    13 min read May 06, 2026

  • United Explorer Card Review

    The United Explorer card helps you earn frequent flyer miles with every purchase. Read more to learn how you can boost your travels with the Explorer card.

    6 min read May 05, 2026