Bankrate — Compare Mortgage Rates & Financial Products
Worth it
Confidence: Medium
Use it if you're shopping mortgage, refi, savings, or credit card rates . it's free and well-regarded for comparison.
Comparison
Bankrate — Compare Mortgage Rates & Financial Products vs NerdWallet
Bankrate — Compare Mortgage Rates & Financial Products and NerdWallet both land on Worth it.
NerdWallet
Worth it
Confidence: Medium
Use it if you want a free Mint-style money tracker plus card, loan, and savings comparisons.
| Compare | Bankrate — Compare Mortgage Rates & Financial Products | NerdWallet |
|---|---|---|
| Verdict | Worth it | Worth it |
| Best for | Mortgage and refi shoppers | Mint refugees wanting a free tracker |
| Who it's not for | Anyone unwilling to receive lender sales calls after rate requests | Power budgeters needing envelope or zero-based control . use YNAB |
| Privacy | No known public vulnerabilities found in the sources reviewed.⁶ | No known public vulnerabilities found in the sources reviewed.15 |
| Support quality | No support evidence in sources | BBB complaint history; churn threads exist |
| Public sentiment | Reviews are polarized: the mortgage calculator draws strong praise while some WalletHub reviewers allege billing problems.² | Reddit users broadly call it a trustworthy free Mint replacement, while a minority complain about advice quality and the web experience.⁷ |
| Biggest gotcha | WalletHub reviewers claim charges taken from accounts; scrutinize anything you enroll in.³ | It is free because card issuers and lenders pay for referrals and placement. |
Pick Bankrate — Compare Mortgage Rates & Financial Products when
- Mortgage and refi shoppers
- Savings and CD rate hunters
- First-time buyers leaning on calculators
When Bankrate — Compare Mortgage Rates & Financial Products is not a fit
- 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
Pick NerdWallet when
- Mint refugees wanting a free tracker
- First-time credit card shoppers
- Casual budgeters
- Credit score watchers
When NerdWallet is not a fit
- Power budgeters needing envelope or zero-based control . use YNAB
- Businesses shopping for software . this is consumer-only, not B2B
- Anyone wanting commission-free product advice
- People unwilling to link bank accounts to a third party
Sources
- Bankrate official sitebankrate.comofficial
- Bankrate reviews on Trustpilottrustpilot.comreview
- Bankrate Reviews: 16 User Ratings . WalletHubwallethub.comreview
- Bankrate Review for 2026 . The Mortgage Reportsthemortgagereports.comreview
- Bankrate Mortgage Review 2026 . U.S. Newsmoney.usnews.comreview
- Bankrate.com Trust Score 95/100 . Gridinsoftgridinsoft.comsecurity
review
- NerdWallet Reviews: Written By Customers . ConsumerAffairsconsumeraffairs.comreview
- NerdWallet Reviews . Trustpilot (3,543 reviews)trustpilot.comreview
- I'm done with Nerdwallet . myFICO Forumsficoforums.myfico.comreview
- NerdWallet BBB Complaintsbbb.orgreview
review
- NerdWallet Alternatives . Product Huntproducthunt.comreview
- How Secure is NerdWallet?nerdwallet.comsecurity
- NerdWallet Security Rating . UpGuardupguard.comsecurity