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Bankrate — Compare Mortgage Rates & Financial Products Review

Worth it

Should I use Bankrate — Compare Mortgage Rates & Financial Products?

Compare today's mortgage rates, savings accounts, credit cards, and more. Bankrate helps you find the best rates from hundreds of banks and credit unions — free, unbiased, and updated daily. - bankrate.com

· 1 month ago

Use it if you're shopping mortgage, refi, savings, or credit card rates — it's free and well-regarded for comparison. Skip it if you won't share contact details; submitting a rate request invites lender follow-up.

Confidence

Medium. Based on ~10 usable public sources; many indexed pages were low-quality spam mirrors and were discounted.

Ratings

  • Value for money
  • Ease of use
  • Feature depth
  • Support qualityNo support evidence in sources
  • Security posture

Pricing

$0

Free for consumers

ModelNot disclosed
Monthly feesNot disclosed
HardwareNot disclosed
Free tierYes

Best for

  • Mortgage and refi shoppers
  • Savings and CD rate hunters
  • First-time buyers leaning on calculators

Not for

  • Anyone unwilling to receive lender sales calls after rate requests
  • People expecting Bankrate to hold accounts — it's a marketplace, not a bank
  • Thin-credit borrowers assuming headline rates are their real quotes
  • Businesses seeking a financial product — this is consumer-only

Gotchas - check before you buy

high

WalletHub reviewers claim charges taken from accounts; scrutinize anything you enroll in.

medium

Submitting a rate request typically triggers calls and emails from multiple lenders.

medium

Shown rates are sample averages; your real rate depends on credit and finances.

medium

The free model is lender-funded; sponsored placements can influence which offers surface.

Pros and cons

Pros

  • Free access to rates from 100+ lenders
  • Mortgage calculator earns strong user praise for accuracy
  • Marketplace filters let you narrow lenders by criteria
  • Mostly positive reviews from external mortgage-industry reviewers

Cons

  • Some reviewers allege unauthorized charges taken from accounts
  • Rate requests pass your info to lenders; expect outreach
  • Headline rates aren't personalized until you share details

Sources & method

- 6 sources - No known vulnerabilities found in the sources reviewed.

official x1review x4security x1

Key stats

  • Value for money: 5/5

    Rating

  • $0

    Starting price

  • 6

    Sources

  • Analyzed

  • Value for money: 5/5. Free to shoppers; lenders pay
  • Ease of use: 4/5. Calculator praised as accurate by users
  • Feature depth: 4/5. Filtered marketplace plus calculators across products
  • Support quality. No support evidence in sources
  • Security posture: 4/5. 95/100 Gridinsoft trust score
  • 100+ Lenders in marketplace Competing for your loan
  • 95/100 Gridinsoft trust score Safety scan of bankrate.com
  • $0 Cost to consumers Free; lender-funded marketplace
  • 16 WalletHub user ratings Small, polarized sample

Pricing

Free for consumers

$0

  • Compare 100+ lenders
  • Calculators and guides
  • No paid tiers for shoppers

Security

No known vulnerabilities found in the sources reviewed.

What users say

Reviews are polarized: the mortgage calculator draws strong praise while some WalletHub reviewers allege billing problems.

“This is the BEST most Accurate Mortgage Calculator I have ever experienced”
Trustpilot reviewer
“Bankrate is a scam; don't use them. They will take money from your account and”
WalletHub reviewer

Alternatives

Compare Bankrate — Compare Mortgage Rates & Financial Products with each alternative.

Full analysis

Based on ~10 usable public sources; many indexed pages were low-quality spam mirrors and were discounted.

Free, legit rate-comparison for mortgages, savings, and cards — useful for shopping, but expect lender calls after submitting info.

Methodology

Based on ~10 usable public sources; many indexed pages were low-quality spam mirrors and were discounted.

Read how a report is made.

Sources

  1. Bankrate official sitebankrate.com
    official
  2. Bankrate reviews on Trustpilottrustpilot.com
    review
  3. Bankrate Reviews: 16 User Ratings — WalletHubwallethub.com
    review
  4. Bankrate Review for 2026 — The Mortgage Reportsthemortgagereports.com
    review
  5. Bankrate Mortgage Review 2026 — U.S. Newsmoney.usnews.com
    review
  6. Bankrate.com Trust Score 95/100 — Gridinsoftgridinsoft.com
    security

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