← Analyze a URL · Tested sites

www.bankrate.com

Report from 8/8/2026, 11:14:44 AM https://www.bankrate.com
Latest run · lab, cold cache
84
8/8/2026
28-day score · p75 · the standard
84
26 runs
CRR100%latest
SSD79%latest
TC791 toklatest
TTFUT20 ms28-day p75

Scored by v3 · source-of-truth hashes: score db860d6ac94e · thresholds e94f8b33e500 — verifiable against the canonical scorer.

The 28-day score is the p75 of nightly runs — the stable number to cite. Deterministic metrics (CRR/SSD/TC) show their latest value (they move only when the site changes); timing (TTFUT) and answer-fidelity (AF) are smoothed by 28-day p75 — the same lab-vs-field split Core Web Vitals uses. Synthetic daily measurement, not real-user field data.

Core Agent Vitals badge  Embed this badge

Show your agent-readiness score anywhere — it links back to this report.

[![Core Agent Vitals](https://agentvitals.dev/badge/bankrate.com.svg)](https://agentvitals.dev/results?url=https%3A%2F%2Fwww.bankrate.com)
<a href="https://agentvitals.dev/results?url=https%3A%2F%2Fwww.bankrate.com"><img src="https://agentvitals.dev/badge/bankrate.com.svg" alt="Core Agent Vitals" height="20"></a>
What AI tells your customers about youAgent confidence: MEDIUM
✅Business nameBank Rate
✅CategoryOrganization
🟡Price$3,34 · guessed from page text (no structured data)
✅Location1645 Palm Beach Lakes Blvd. Suite 1200, West Palm Beach, FL, 33401
❌Hoursnot found
❌Productsnot found
🟡DescriptionCompare 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. · guessed from page text (no structured data)

An agent gets the basics but will guess on the gaps. 3/7 applicable facts come from machine-readable structured data.

DesktopMobile
84
Overall score
weighted CAV (0–100)
PASS
0–4950–8990–100

Metrics

100%
CRR Content Recovery Good
0.79
SSD Semantic Signal Density Good
791 tok
TC Token Cost Good
6 ms
TTFUT Time to First Useful Token N/A

Token Cost breakdown

Where the page's tokens go (≈9,020 across regions). 81% is non-content — chrome and boilerplate an agent pays for. Add landmark roles (main/nav/header/footer) so agents can skip it.

Content
19.6% · 1,764
Chrome (nav / header / footer)
72.9% · 6,573
Boilerplate (cookie / ad)
0% · 0
Other
7.6% · 683

Final screenshot

Final screenshot of https://www.bankrate.com

Diagnostics

high TC 80.4% of tokens are non-content (boilerplate/chrome)

agent representation — token decomposition

EvidenceToken decomposition: content 19.6%, chrome 72.9%, boilerplate 0%, other 7.6%. Only 19.599999999999994% of the agent's tokens are real content.
ImpactAn agent pays for boilerplate on every request and has less context left for the real content.
Effort30–90 min

Fix: Strip repeated nav/header/footer/cookie chrome from the agent-visible output; wrap content in <main>/<article> so the extractor keeps signal and drops boilerplate.

Rendered profile: headless

Agent Discoverability 84/100 · Agent Ready

Access & discovery checks — separate from the gated CAV metrics above. Click an issue for business impact, what we measured, and how to fix. · Take the Agent Readiness course →

Agent files & endpoints

✓ llms.txt Found at /llms.txt Learn →
✓ robots.txt (AI bots) Major AI bots allowed Learn →
✗ sitemap.xml No /sitemap.xml Learn →
✓ JSON-LD structured data Types: WebPage, Organization Learn →
~ agents.json Absent (emerging standard) Learn →
~ WebMCP endpoint Absent (emerging standard) Learn →
~ OpenAPI / API docs No OpenAPI/Swagger found Learn →

Issues (5)

~ No content-blocking cookie wall medium impact Consent platform: onetrust (verify it doesn't block content)

Business impact A consent wall that hides content until a click is invisible to agents — they cannot click 'Accept'.

What we measured We fingerprint OneTrust, Cookiebot, Usercentrics and similar managers and flag content-blocking ones.

How to fix Use an overlay banner that leaves content in the DOM, not a blocking interstitial.

Spec: https://gdpr.eu/cookies/

✗ XML sitemap present medium impact No /sitemap.xml

Business impact A sitemap is your table of contents for AI crawlers. Without it agents follow homepage links and miss deep pages (products, docs, pricing) — shrinking what they can recommend.

What we measured We fetch /sitemap.xml (and /sitemap_index.xml), confirm valid XML with <loc> entries, and check <lastmod> freshness.

How to fix Generate an XML sitemap of all public pages with current lastmod dates and reference it in robots.txt.

Learn how to implement →

# robots.txt
Sitemap: https://example.com/sitemap.xml

Spec: https://www.sitemaps.org/

~ agents.json discovery low impact Absent (emerging standard)

Business impact agents.json describes what your site can DO for agents (services, endpoints, capabilities) — an emerging discovery standard. Early adopters get native agent integration.

What we measured We check /agents.json and /.well-known/agents.json for a valid configuration.

How to fix Publish /agents.json describing your site's capabilities and actions.

Learn how to implement →

Spec: https://github.com/wild-card-ai/agents-json

~ WebMCP endpoint low impact Absent (emerging standard)

Business impact WebMCP lets agents call actions on your site directly (book, buy, query) instead of scraping the DOM. Early adopters get native AI-agent interoperability.

What we measured We check /.well-known/webmcp and /webmcp.json for a valid actions array.

How to fix Add a WebMCP endpoint exposing your key actions to agents.

Learn how to implement →

Spec: https://webmcp.org

~ API documentation low impact No OpenAPI/Swagger found

Business impact Programmatic agents prefer a typed API. An OpenAPI/Swagger spec lets them integrate without scraping.

What we measured We probe /openapi.json, /swagger.json, /api-docs and /.well-known/openapi.json.

How to fix Publish an OpenAPI spec at a well-known path.

Learn how to implement →

Spec: https://www.openapis.org/

Passed audits (7)

✓ robots.txt allows AI bots✓ No CAPTCHA wall✓ Machine-readable prices✓ llms.txt present + valid✓ No login wall on public content✓ Structured data (JSON-LD)✓ Server response (TTFB)

Transport & Trust (SEC 1.0.0)

HTTPS, HSTS, CSP, sniffing, referrer and CORS posture. Diagnostic only — this does not affect the CAV score. A security header does not make a page more legible to an agent, so scoring it would reward a CDN toggle that changes nothing an agent can recover. We measure it and say so.

39Transport posture (0–100, unscored)
1pass
2warn
3fail
Per-header findings (6)
HeaderEvidence
✅ HTTPSserved over HTTPS
⚠️ HSTSmax-age=300 is below the 180-day baseline
❌ Content-Security-Policyno content-security-policy header
❌ X-Content-Type-Optionsmissing nosniff
⚠️ Referrer-Policyno referrer-policy header (browser default applies)
❌ CORS exposureaccess-control-allow-origin: * WITH allow-credentials: true — invalid and unsafe
Full profile — how to improve · unused JS · network · timing

How to improve

mediumSplit the heaviest unused bundle

otBannerSdk.js — 136 KiB transferred, 70.4% unused (third-party)

EvidenceCDP JS coverage: 96 KiB of this bundle is never executed on load.
Impact~-96 KiB transfer; lower Token Cost + faster agent parse.
Effort30–90 min
FixDynamic-import() the below-the-fold parts of otBannerSdk.js, or drop unused dependencies. It is third-party — lazy-load or remove it.
mediumCut third-party weight

googletagmanager.com — 558 KiB, 3 requests, 409 ms main-thread

EvidenceThird-party is 48.9% of total transfer (116 requests); googletagmanager.com is the largest.
ImpactFewer bytes + main-thread stalls before your content settles for an agent.
Effort1–3 h
FixLazy-load, self-host, or remove googletagmanager.com; defer non-critical third-party scripts.
mediumBreak up long main-thread tasks

longest task 204 ms (10 total)

EvidenceMain thread blocked 204 ms by the longest task.
ImpactFaster interactivity + content settling.
Effort1–4 h
FixSplit heavy work, defer third-party scripts, move compute off the main thread.
mediumCut total transfer weight

2.8 MB total

Evidence2.8 MB transferred.
ImpactCheaper, faster fetch on slow links.
Effort1–3 h
FixEnable Brotli, serve WebP/AVIF images, defer non-critical resources.

Third-party impact

116 third-party requests · 1395 KiB (48.9% of transfer) · 1139 ms main-thread — code an agent must also fetch/run before your content settles. Fewer, lazier third-parties = faster, cheaper agent reads.

Third-party domainReqsTransferMain-thread
googletagmanager.com3558 KiB409 ms
facebook.net4239 KiB190 ms
cookielaw.org5179 KiB—
tiktok.com7161 KiB75 ms
ofgreencolumn.com855 KiB56 ms
taboola.com1645 KiB263 ms
licdn.com239 KiB—
newrelic.com132 KiB80 ms
google-analytics.com322 KiB—
bing.com617 KiB—
quora.com215 KiB—
doubleclick.net89 KiB—

Wasted JavaScript (by bundle)

Transfer-accurate — each bundle's transfer size × its unused %, ranked by wasted bytes (the biggest code-splitting wins). Unused JS also inflates Token Cost (TC).

BundleTransferUnusedWasted
https://cdn.cookielaw.org/scripttemplates/202606.1.0/otBannerSdk.js 3P136 KiB70.4%96 KiB
https://www.bankrate.com/v8.23.4/next/build/assets/fountain-B7bfTkfH.js191 KiB43.6%83 KiB
https://www.googletagmanager.com/gtag/js?id=G-FY8QTRES9L&cx=c&gtm=4e6841h1 3P188 KiB42.8%80 KiB
https://www.googletagmanager.com/gtag/js?id=AW-1069166532&cx=c&gtm=4e6841h1 3P156 KiB46.8%73 KiB
https://www.googletagmanager.com/gtm.js?id=GTM-N74D8C 3P214 KiB31.2%67 KiB
https://analytics.tiktok.com/i18n/pixel/static/main.MTAwMWEwYTFlMQ.js 3P115 KiB58%67 KiB
https://www.bankrate.com/v8.23.4/next/build/assets/ripple-B49aDgBR.js83 KiB80.1%67 KiB
https://connect.facebook.net/en_US/fbevents.js 3P104 KiB43.9%46 KiB
https://www.bankrate.com/nextapps/brand-identity-pages-app/v1.85.0/_next/static/chunks/0g1lsn086mun3.js69 KiB62.2%43 KiB
https://ob.ofgreencolumn.com/i/7df672d92b7d11494afd621358f32494.js 3P52 KiB51.8%27 KiB
https://www.bankrate.com/nextapps/brand-identity-pages-app/v1.85.0/_next/static/chunks/38sy9juiu11tx.js37 KiB57.8%21 KiB
https://connect.facebook.net/signals/config/1564326531369118?v=2.9.370&r=stable&domain=www.bankrate.com&hme=589ca7d2e122c6385be4e33d0bc38dace8e88b62db3f4bee0e6f01d386858e70&ex_m=108%2C210%2C160%2C22%2C73%2C74%2C151%2C69%2C68%2C11%2C169%2C93%2C16%2C143%2C131%2C39%2C76%2C81%2C139%2C165%2C171%2C26%2C27%2C28%2C30%2C48%2C152%2C78%2C116%2C18%2C20%2C44%2C40%2C42%2C41%2C86%2C95%2C99%2C114%2C150%2C153%2C46%2C115%2C24%2C21%2C123%2C70%2C36%2C155%2C154%2C156%2C147%2C145%2C25%2C35%2C59%2C113%2C167%2C71%2C17%2C158%2C118%2C84%2C67%2C19%2C88%2C89%2C120%2C87%2C141%2C140%2C144%2C100%2C166%2C34%2C49%2C117%2C47%2C8%2C4%2C5%2C7%2C6%2C3%2C94%2C105%2C172%2C177%2C224%2C75%2C237%2C236%2C235%2C23%2C33%2C55%2C107%2C61%2C10%2C64%2C101%2C102%2C103%2C109%2C134%2C31%2C29%2C136%2C137%2C138%2C133%2C132%2C161%2C77%2C164%2C162%2C163%2C50%2C60%2C127%2C15%2C168%2C45%2C281%2C282%2C280%2C295%2C313%2C217%2C206%2C62%2C207%2C205%2C316%2C307%2C52%2C218%2C111%2C135%2C83%2C125%2C54%2C124%2C130%2C129%2C58%2C65%2C63%2C157%2C79%2C80%2C119%2C37%2C32%2C53%2C56%2C104%2C170%2C1%2C128%2C14%2C126%2C12%2C2%2C57%2C96%2C66%2C122%2C92%2C91%2C173%2C174%2C97%2C98%2C9%2C106%2C51%2C148%2C90%2C82%2C72%2C121%2C110%2C43%2C149%2C0%2C85%2C142%2C146%2C159%2C38%2C112%2C13%2C175%2C198%2C192%2C196%2C197%2C195%2C190%2C201%2C193%2C194%2C220%2C191%2C189%2C296%2C204%2C203%2C202%2C241%2C211%2C187%2C188%2C186%2C336%2C328%2C329%2C320%2C325%2C322%2C324%2C323%2C321%2C330%2C332%2C327%2C333%2C326%2C331%2C319%2C199 3P85 KiB24.8%21 KiB
https://www.bankrate.com/cohesion/cohesion-latest.min.js?cDomain=.bankrate.com35 KiB53.4%19 KiB
https://js-agent.newrelic.com/nr-spa-1.319.0.min.js 3P32 KiB44.3%14 KiB
https://analytics.tiktok.com/i18n/pixel/static/identify_ea043f1c.js 3P40 KiB33.3%13 KiB

Network

200Requests
2852 KiBTransferred
71Scripts
48.9%3rd-party
10Long tasks
Script (71)
1927 KiB
Document (2)
338 KiB
Fetch (29)
236 KiB
Image (29)
160 KiB
Stylesheet (5)
88 KiB
Font (2)
60 KiB
XHR (34)
19 KiB
Other (7)
19 KiB
Ping (21)
5 KiB
Heaviest requests (30)
URLTypeStatusTransfer
https://www.bankrate.com/Document200338 KiB
https://www.googletagmanager.com/gtm.js?id=GTM-N74D8CScript200214 KiB
https://www.bankrate.com/mortgages/mortgage-rates/?_rsc=5CB68i4pnAekjehfFetch200194 KiB
https://www.bankrate.com/v8.23.4/next/build/assets/fountain-B7bfTkfH.jsScript200191 KiB
https://www.googletagmanager.com/gtag/js?id=G-FY8QTRES9L&cx=c&gtm=4e6841h1Script200188 KiB
https://www.googletagmanager.com/gtag/js?id=AW-1069166532&cx=c&gtm=4e6841h1Script200156 KiB
https://cdn.cookielaw.org/scripttemplates/202606.1.0/otBannerSdk.jsScript200136 KiB
https://analytics.tiktok.com/i18n/pixel/static/main.MTAwMWEwYTFlMQ.jsScript200115 KiB
https://connect.facebook.net/en_US/fbevents.jsScript200104 KiB
https://connect.facebook.net/signals/config/1564326531369118?v=2.9.370&r=stable&domain=www.bankrate.com&hme=589ca7d2e122c6385be4e33d0bc38dace8e88b62db3f4bee0e6f01d386858e70&ex_m=108%2C210%2C160%2C22%2C73%2C74%2C151%2C69%2C68%2C11%2C169%2C93%2C16%2C143%2C131%2C39%2C76%2C81%2C139%2C165%2C171%2C26%2C27%2C28%2C30%2C48%2C152%2C78%2C116%2C18%2C20%2C44%2C40%2C42%2C41%2C86%2C95%2C99%2C114%2C150%2C153%2C46%2C115%2C24%2C21%2C123%2C70%2C36%2C155%2C154%2C156%2C147%2C145%2C25%2C35%2C59%2C113%2C167%2C71%2C17%2C158%2C118%2C84%2C67%2C19%2C88%2C89%2C120%2C87%2C141%2C140%2C144%2C100%2C166%2C34%2C49%2C117%2C47%2C8%2C4%2C5%2C7%2C6%2C3%2C94%2C105%2C172%2C177%2C224%2C75%2C237%2C236%2C235%2C23%2C33%2C55%2C107%2C61%2C10%2C64%2C101%2C102%2C103%2C109%2C134%2C31%2C29%2C136%2C137%2C138%2C133%2C132%2C161%2C77%2C164%2C162%2C163%2C50%2C60%2C127%2C15%2C168%2C45%2C281%2C282%2C280%2C295%2C313%2C217%2C206%2C62%2C207%2C205%2C316%2C307%2C52%2C218%2C111%2C135%2C83%2C125%2C54%2C124%2C130%2C129%2C58%2C65%2C63%2C157%2C79%2C80%2C119%2C37%2C32%2C53%2C56%2C104%2C170%2C1%2C128%2C14%2C126%2C12%2C2%2C57%2C96%2C66%2C122%2C92%2C91%2C173%2C174%2C97%2C98%2C9%2C106%2C51%2C148%2C90%2C82%2C72%2C121%2C110%2C43%2C149%2C0%2C85%2C142%2C146%2C159%2C38%2C112%2C13%2C175%2C198%2C192%2C196%2C197%2C195%2C190%2C201%2C193%2C194%2C220%2C191%2C189%2C296%2C204%2C203%2C202%2C241%2C211%2C187%2C188%2C186%2C336%2C328%2C329%2C320%2C325%2C322%2C324%2C323%2C321%2C330%2C332%2C327%2C333%2C326%2C331%2C319%2C199Script20085 KiB
https://www.bankrate.com/v8.23.4/next/build/assets/ripple-B49aDgBR.jsScript20083 KiB
https://www.bankrate.com/nextapps/brand-identity-pages-app/v1.85.0/_next/static/chunks/0g1lsn086mun3.jsScript20069 KiB
https://www.bankrate.com/nextapps/brand-identity-pages-app/v1.85.0/_next/static/media/section-bottom.11hufw7niyo_w.svgImage20058 KiB
https://www.bankrate.com/nextapps/brand-identity-pages-app/v1.85.0/_next/static/media/section-top.02pjz6uww_703.svgImage20055 KiB
https://ob.ofgreencolumn.com/i/7df672d92b7d11494afd621358f32494.jsScript20052 KiB
https://www.bankrate.com/v8.23.4/next/build/assets/fountain-utilities-s6ceR-ui.cssStylesheet20045 KiB
https://analytics.tiktok.com/i18n/pixel/static/identify_ea043f1c.jsScript20040 KiB
https://www.bankrate.com/nextapps/brand-identity-pages-app/v1.85.0/_next/static/chunks/38sy9juiu11tx.jsScript20037 KiB
https://www.bankrate.com/cohesion/cohesion-latest.min.js?cDomain=.bankrate.comScript20035 KiB
https://www.bankrate.com/nextapps/brand-identity-pages-app/v1.85.0/_next/static/media/who-we-are.0lgyyf38jcple.svgImage20035 KiB
https://connect.facebook.net/signals/config/1805085980359671?v=2.9.370&r=stable&domain=www.bankrate.com&hme=589ca7d2e122c6385be4e33d0bc38dace8e88b62db3f4bee0e6f01d386858e70&ex_m=108%2C210%2C160%2C22%2C73%2C74%2C151%2C69%2C68%2C11%2C169%2C93%2C16%2C143%2C131%2C39%2C76%2C81%2C139%2C165%2C171%2C26%2C27%2C28%2C30%2C48%2C152%2C78%2C116%2C18%2C20%2C44%2C40%2C42%2C41%2C86%2C95%2C99%2C114%2C150%2C153%2C46%2C115%2C24%2C21%2C123%2C70%2C36%2C155%2C154%2C156%2C147%2C145%2C25%2C35%2C59%2C113%2C167%2C71%2C17%2C158%2C118%2C84%2C67%2C19%2C88%2C89%2C120%2C87%2C141%2C140%2C144%2C100%2C166%2C34%2C49%2C117%2C47%2C8%2C4%2C5%2C7%2C6%2C3%2C94%2C105%2C172%2C177%2C224%2C75%2C237%2C236%2C235%2C23%2C33%2C55%2C107%2C61%2C10%2C64%2C101%2C102%2C103%2C109%2C134%2C31%2C29%2C136%2C137%2C138%2C133%2C132%2C161%2C77%2C164%2C162%2C163%2C50%2C60%2C127%2C15%2C168%2C45%2C281%2C282%2C280%2C295%2C313%2C217%2C206%2C62%2C207%2C205%2C316%2C307%2C52%2C218%2C111%2C135%2C83%2C125%2C54%2C124%2C130%2C129%2C58%2C65%2C63%2C157%2C79%2C80%2C119%2C37%2C32%2C53%2C56%2C104%2C170%2C1%2C128%2C14%2C126%2C12%2C2%2C57%2C96%2C66%2C122%2C92%2C91%2C173%2C174%2C97%2C98%2C9%2C106%2C51%2C148%2C90%2C82%2C72%2C121%2C110%2C43%2C149%2C0%2C85%2C142%2C146%2C159%2C38%2C112%2C13%2C175Script20035 KiB
https://js-agent.newrelic.com/nr-spa-1.319.0.min.jsScript20032 KiB
https://www.bankrate.com/static/fonts/RecifeText-VF.woff2Font20030 KiB
https://www.bankrate.com/nextapps/brand-identity-pages-app/v1.85.0/_next/static/media/f06bf9da926bae75-s.p.2874ccu1_u7jf.woff2Font20030 KiB
https://www.bankrate.com/nextapps/brand-identity-pages-app/v1.85.0/_next/static/chunks/0t4flu1upa33a.jsScript20030 KiB
https://www.bankrate.com/nextapps/brand-identity-pages-app/v1.85.0/_next/static/chunks/00o9-eb4sxpkl.cssStylesheet20029 KiB
https://cdn.taboola.com/libtrc/unip/1909101/tfa.jsScript20027 KiB
https://cdn.cookielaw.org/consent/09034832-9ea3-4f44-82ce-803550818ae2/019cb054-6c62-7dbe-81ee-b9b1a2215153/en.jsonFetch20026 KiB
https://www.google-analytics.com/analytics.jsScript20021 KiB
https://snap.licdn.com/li.lms-analytics/insight.min.jsScript20020 KiB

Long tasks (>50 ms)

StartDuration
2355 ms204 ms
1405 ms162 ms
3874 ms142 ms
2603 ms134 ms
1262 ms97 ms
4209 ms89 ms
3169 ms86 ms
2010 ms81 ms
1632 ms78 ms
3316 ms73 ms
Analyzing…
running mobile + desktop · ~30s