TD Clear with $1,000 Credit Limit card review
The TD Bank Clear Platinum Visa with $1,000 Credit Limit's lack of an interest rate may be attractive, but watch out for the monthly fees.
9 min read
Oct 29, 2025
Ryan Flanigan, CCC
Former Writer, Credit Cards
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5Years writing about credit cards
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3Years with Bankrate
CREDENTIALS
- Certified Credit Counselor
EXPERTISE
- Rewards credit cards
- Travel credit cards
- Cash back credit cards
- Business credit cards
- Credit card debt
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
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Hotels.com® Rewards Visa® Credit Card Review
The Hotels.com credit card is a straightforward alternative for guests focused on flexible reward nights over brand loyalty perks.
7 min read Oct 27, 2025 -
Capital One Spark Cash Select for Good Credit review: Is the extended zero-interest worth it?
The Capital One Spark Cash Select was a part of the Capital One Spark Business that was split into two cards. Read to find out how this card compares, and if could be right for you.
2 min read Oct 01, 2025 -
The American Express Business Platinum Card has a 200,000-point offer. Here’s who should consider it.
The American Express Business Platinum Card is now offering a 200,000-point bonus.
4 min read Sep 30, 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 -
Comparing the Wells Fargo Autograph Journey: How does it stack up against other premium travel cards?
Discover how the Wells Fargo Autograph Journey card compares to travel cards.
9 min read Sep 24, 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 -
Best credit cards for international travel
These are the best credit cards to pack when it’s time for international travel
54 min read Sep 18, 2025
