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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

  • American Express Platinum Card® review

    The Amex Platinum Card cements its best-in-class status with more elite rewards and benefits for travelers than ever before, but at a higher price.

    8 min read Mar 26, 2026

  • Best Hotel Credit Cards for March 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 Mar 26, 2026

  • Capital One Spark Cash review

    The Capital One Spark Cash is a flat-rate rewards credit card for businesses with great initial value, but might fizzle out after the first year.

    9 min read Mar 26, 2026

  • Credit One Bank® Platinum Visa® Review

    Other student and secured cards are probably better options in order to avoid the limited rewards and slew of fees buried in this card’s terms.

    8 min read Mar 26, 2026

  • Discover it Cash Back Credit Card Review

    It’s one of the best no-annual-fee cards for low rates and fees, cash back, first-year value and customer service if you don’t mind rotating categories.

    10 min read Mar 26, 2026

  • Ramp Business Card review

    This no-personal-guarantee business card is great for expense tools, but you might look elsewhere for deeper rewards.

    4 min read Mar 26, 2026