Bankrate's 2025 Credit Card Award Winners
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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.
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
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If you’re a foodie and have a passion for everything from fine-dining to drive-throughs, this card is for you.
This no-personal-guarantee business card is great for expense tools, but you might look elsewhere for deeper rewards.
The best cash back business credit cards come with no annual fee.
United-enthusiasts will love the The New United Club℠ Card, which offers 4x miles on all United Airlines purchases with a generous welcome offer.
It’s a solid no-annual-fee hotel card, but doesn’t provide enough value for regular travelers.
Start-up and expanding business owners may appreciate the lengthy intro APR that the U.S. Bank Business Platinum Card offers
Learn which metal credit cards offer the best benefits and perks. Read our comprehensive breakdown to find which metal card is right for you.
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