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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

  • Mastercard® Titanium Card™

    The Mastercard Titanium Card comes with a steep annual fee and not enough rewards to justify it.

    3 min read Sep 26, 2025

  • Home Depot Credit Card Review

    The Home Depot Credit Card is one of a few big brand-name home improvement credit cards out there. Read a full review here.

    10 min read Sep 26, 2025

  • Choice Rewards World Mastercard® review

    The Choice Rewards World Mastercard’s best features are its low interest rate and $0 balance transfer fee — two standout features not found with traditional rewards cards.

    10 min read Sep 26, 2025

  • Marriott Bonvoy Boundless® Credit Card Review

    The Marriott Bonvoy Boundless® Credit Card is replacing the Marriott Premier Plus Credit Card, and new cardholders have the chance to earn 100,000 bonus points after spending $3,000 on purchases within the first three months after account activation (for a limited time).

    3 min read Sep 25, 2025

  • USAA® Rewards™ American Express® Card Review

    The USAA® Rewards™ American Express® Card combines the earnings potential of a traditional rewards card with perks and benefits specifically tailored to consumers serving in the military.

    11 min read Sep 23, 2025