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The Penny Hoarder versus Bankrate — Compare Mortgage Rates & Financial Products
Compare	The Penny Hoarder	Bankrate — Compare Mortgage Rates & Financial Products
Verdict	Depends	Worth it
Best for	Side-hustle idea browsing	Mortgage and refi shoppers
Who it's not for	Anyone wanting unbiased product recommendations	Anyone unwilling to receive lender sales calls after rate requests
Privacy	No known public vulnerabilities found in the sources reviewed.¹⁰	No known public vulnerabilities found in the sources reviewed.¹⁶
Support quality	No support evidence in sources	No support evidence in sources
Public sentiment	User sentiment is sharply negative: a 2.2/5 Trustpilot score and Reddit threads accusing it of misleading advice since it stopped being an independent blog.^²	Reviews are polarized: the mortgage calculator draws strong praise while some WalletHub reviewers allege billing problems.¹²
Biggest gotcha	Recommendations route to partners that pay the site; it earns when you convert.^¹	WalletHub reviewers claim charges taken from accounts; scrutinize anything you enroll in.¹³

Pick The Penny Hoarder when

Side-hustle idea browsing
Beginner saving and budgeting tips
Class-action settlement deadline tracking

When The Penny Hoarder is not a fit

Anyone wanting unbiased product recommendations
People needing actual money-management software
Readers allergic to clickbait listicles
Sophisticated investors

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

Sources

The Penny Hoarder homepagethepennyhoarder.com
official
The Penny Hoarder Reviews . Trustpilottrustpilot.com
review
Reddit: The Penny Hoarder criticism threadreddit.com
review
Reddit: Freecash earnings claim threadreddit.com
review
The Penny Hoarder . Google Play appplay.google.com
official
BBB Business Profile . Not accreditedbbb.org
news
Glassdoor reviews . 44% would recommendglassdoor.com
review
Clearlink acquires Penny.com for The Penny Hoarderjamesnames.com
news
Class-action settlements trackerthepennyhoarder.com
official
Security page scan . none foundthepennyhoarder.com
security
Bankrate official sitebankrate.com
official
Bankrate reviews on Trustpilottrustpilot.com
review
Bankrate Reviews: 16 User Ratings . WalletHubwallethub.com
review
Bankrate Review for 2026 . The Mortgage Reportsthemortgagereports.com
review
Bankrate Mortgage Review 2026 . U.S. Newsmoney.usnews.com
review
Bankrate.com Trust Score 95/100 . Gridinsoftgridinsoft.com
security