www.bankrate.com
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.
An agent gets the basics but will guess on the gaps. 3/7 applicable facts come from machine-readable structured data.
Metrics
Token Cost breakdown
Where the page's tokens go (≈8,878 across regions). 80% is non-content — chrome and boilerplate an agent pays for. Add landmark roles (main/nav/header/footer) so agents can skip it.
Final screenshot
Diagnostics
agent representation — token decomposition
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
Metrics
Token Cost breakdown
Where the page's tokens go (≈8,874 across regions). 80% is non-content — chrome and boilerplate an agent pays for. Add landmark roles (main/nav/header/footer) so agents can skip it.
Final screenshot
Diagnostics
agent representation — token decomposition
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
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
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.
# robots.txt
Sitemap: https://example.com/sitemap.xml
~ 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.
~ 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.
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.
Passed audits (7)
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.
Per-header findings (6)
| Header | Evidence |
|---|---|
| ✅ HTTPS | served over HTTPS |
| ⚠️ HSTS | max-age=300 is below the 180-day baseline |
| ❌ Content-Security-Policy | no content-security-policy header |
| ❌ X-Content-Type-Options | missing nosniff |
| ⚠️ Referrer-Policy | no referrer-policy header (browser default applies) |
| ❌ CORS exposure | access-control-allow-origin: * WITH allow-credentials: true — invalid and unsafe |
How to improve
otBannerSdk.js — 136 KiB transferred, 70.4% unused (third-party)
googletagmanager.com — 551 KiB, 3 requests, 346 ms main-thread
longest task 159 ms (10 total)
2.8 MB total
Third-party impact
113 third-party requests · 1419 KiB (49.2% of transfer) · 755 ms main-thread — code an agent must also fetch/run before your content settles. Fewer, lazier third-parties = faster, cheaper agent reads.
| Third-party domain | Reqs | Transfer | Main-thread |
|---|---|---|---|
| googletagmanager.com | 3 | 551 KiB | 346 ms |
| facebook.net | 4 | 274 KiB | 230 ms |
| cookielaw.org | 5 | 179 KiB | — |
| tiktok.com | 7 | 159 KiB | 143 ms |
| ofgreencolumn.com | 8 | 55 KiB | — |
| taboola.com | 16 | 45 KiB | — |
| licdn.com | 2 | 39 KiB | 18 ms |
| newrelic.com | 1 | 32 KiB | 18 ms |
| google-analytics.com | 3 | 22 KiB | — |
| bing.com | 6 | 17 KiB | — |
| quora.com | 2 | 15 KiB | — |
| doubleclick.net | 8 | 9 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).
| Bundle | Transfer | Unused | Wasted |
|---|---|---|---|
| https://cdn.cookielaw.org/scripttemplates/202606.1.0/otBannerSdk.js 3P | 136 KiB | 70.4% | 96 KiB |
| https://www.bankrate.com/v8.17.1/next/build/assets/fountain-BeKUc26O.js | 191 KiB | 43.4% | 83 KiB |
| https://www.googletagmanager.com/gtag/js?id=G-FY8QTRES9L&cx=c>m=4e67l1 3P | 185 KiB | 42% | 78 KiB |
| https://www.googletagmanager.com/gtag/js?id=AW-1069166532&cx=c>m=4e67l1 3P | 153 KiB | 46.3% | 71 KiB |
| https://www.googletagmanager.com/gtm.js?id=GTM-N74D8C 3P | 213 KiB | 31.3% | 67 KiB |
| https://www.bankrate.com/v8.17.1/next/build/assets/ripple-B49aDgBR.js | 83 KiB | 80.1% | 67 KiB |
| https://analytics.tiktok.com/i18n/pixel/static/main.MTA2MWE1OWMwMQ.js 3P | 114 KiB | 58.1% | 66 KiB |
| https://connect.facebook.net/en_US/fbevents.js 3P | 103 KiB | 44.5% | 46 KiB |
| https://www.bankrate.com/nextapps/brand-identity-pages-app/v1.80.0/_next/static/chunks/390w53s17a068.js | 69 KiB | 64% | 44 KiB |
| https://connect.facebook.net/signals/config/1564326531369118?v=2.9.360&r=stable&domain=www.bankrate.com&hme=eec000113e1e9f56e9fc6cdeb39d59ad805f76a48c77cf3d5c028dcf3b38ee7c&ex_m=108%2C209%2C159%2C22%2C73%2C74%2C150%2C69%2C68%2C11%2C168%2C93%2C16%2C142%2C131%2C39%2C76%2C81%2C138%2C164%2C170%2C26%2C27%2C28%2C30%2C48%2C151%2C78%2C116%2C18%2C20%2C44%2C40%2C42%2C41%2C86%2C95%2C99%2C114%2C149%2C152%2C46%2C115%2C24%2C21%2C123%2C70%2C36%2C154%2C153%2C155%2C146%2C144%2C25%2C35%2C59%2C113%2C166%2C71%2C17%2C157%2C118%2C84%2C67%2C19%2C88%2C89%2C120%2C87%2C140%2C139%2C143%2C100%2C165%2C34%2C49%2C117%2C47%2C8%2C4%2C5%2C7%2C6%2C3%2C94%2C105%2C171%2C176%2C223%2C75%2C236%2C235%2C234%2C23%2C33%2C55%2C107%2C61%2C10%2C64%2C101%2C102%2C103%2C109%2C134%2C31%2C29%2C136%2C137%2C133%2C132%2C160%2C77%2C163%2C161%2C162%2C50%2C60%2C127%2C15%2C167%2C45%2C281%2C282%2C280%2C295%2C311%2C216%2C205%2C62%2C206%2C204%2C314%2C305%2C52%2C217%2C111%2C135%2C83%2C125%2C54%2C124%2C130%2C129%2C58%2C65%2C63%2C156%2C79%2C80%2C119%2C37%2C32%2C53%2C56%2C104%2C169%2C1%2C128%2C14%2C126%2C12%2C2%2C57%2C96%2C66%2C122%2C92%2C91%2C172%2C173%2C97%2C98%2C9%2C106%2C51%2C147%2C90%2C82%2C72%2C121%2C110%2C43%2C148%2C0%2C85%2C141%2C145%2C158%2C38%2C112%2C13%2C174%2C197%2C191%2C195%2C196%2C194%2C189%2C335%2C200%2C192%2C193%2C219%2C190%2C188%2C296%2C203%2C202%2C201%2C240%2C210%2C186%2C187%2C185%2C334%2C326%2C327%2C318%2C323%2C320%2C322%2C321%2C319%2C328%2C330%2C325%2C331%2C324%2C329%2C317%2C198 3P | 118 KiB | 29.3% | 35 KiB |
| https://ob.ofgreencolumn.com/i/7df672d92b7d11494afd621358f32494.js 3P | 52 KiB | 51.7% | 27 KiB |
| https://www.bankrate.com/nextapps/brand-identity-pages-app/v1.80.0/_next/static/chunks/2eylxoo7awi5c.js | 37 KiB | 57.7% | 22 KiB |
| https://www.bankrate.com/cohesion/cohesion-latest.min.js?cDomain=.bankrate.com | 36 KiB | 53.8% | 19 KiB |
| https://js-agent.newrelic.com/nr-spa-1.318.0.min.js 3P | 32 KiB | 51.4% | 16 KiB |
| https://connect.facebook.net/signals/config/1805085980359671?v=2.9.360&r=stable&domain=www.bankrate.com&hme=eec000113e1e9f56e9fc6cdeb39d59ad805f76a48c77cf3d5c028dcf3b38ee7c&ex_m=108%2C209%2C159%2C22%2C73%2C74%2C150%2C69%2C68%2C11%2C168%2C93%2C16%2C142%2C131%2C39%2C76%2C81%2C138%2C164%2C170%2C26%2C27%2C28%2C30%2C48%2C151%2C78%2C116%2C18%2C20%2C44%2C40%2C42%2C41%2C86%2C95%2C99%2C114%2C149%2C152%2C46%2C115%2C24%2C21%2C123%2C70%2C36%2C154%2C153%2C155%2C146%2C144%2C25%2C35%2C59%2C113%2C166%2C71%2C17%2C157%2C118%2C84%2C67%2C19%2C88%2C89%2C120%2C87%2C140%2C139%2C143%2C100%2C165%2C34%2C49%2C117%2C47%2C8%2C4%2C5%2C7%2C6%2C3%2C94%2C105%2C171%2C176%2C223%2C75%2C236%2C235%2C234%2C23%2C33%2C55%2C107%2C61%2C10%2C64%2C101%2C102%2C103%2C109%2C134%2C31%2C29%2C136%2C137%2C133%2C132%2C160%2C77%2C163%2C161%2C162%2C50%2C60%2C127%2C15%2C167%2C45%2C281%2C282%2C280%2C295%2C311%2C216%2C205%2C62%2C206%2C204%2C314%2C305%2C52%2C217%2C111%2C135%2C83%2C125%2C54%2C124%2C130%2C129%2C58%2C65%2C63%2C156%2C79%2C80%2C119%2C37%2C32%2C53%2C56%2C104%2C169%2C1%2C128%2C14%2C126%2C12%2C2%2C57%2C96%2C66%2C122%2C92%2C91%2C172%2C173%2C97%2C98%2C9%2C106%2C51%2C147%2C90%2C82%2C72%2C121%2C110%2C43%2C148%2C0%2C85%2C141%2C145%2C158%2C38%2C112%2C13%2C174 3P | 38 KiB | 39.7% | 15 KiB |
Network
Heaviest requests (30)
| URL | Type | Status | Transfer |
|---|---|---|---|
| https://www.bankrate.com/ | Document | 200 | 332 KiB |
| https://www.googletagmanager.com/gtm.js?id=GTM-N74D8C | Script | 200 | 213 KiB |
| https://www.bankrate.com/mortgages/mortgage-rates/?_rsc=5CB68i4pnAekjehf | Fetch | 200 | 207 KiB |
| https://www.bankrate.com/v8.17.1/next/build/assets/fountain-BeKUc26O.js | Script | 200 | 191 KiB |
| https://www.googletagmanager.com/gtag/js?id=G-FY8QTRES9L&cx=c>m=4e67l1 | Script | 200 | 185 KiB |
| https://www.googletagmanager.com/gtag/js?id=AW-1069166532&cx=c>m=4e67l1 | Script | 200 | 153 KiB |
| https://cdn.cookielaw.org/scripttemplates/202606.1.0/otBannerSdk.js | Script | 200 | 136 KiB |
| https://connect.facebook.net/signals/config/1564326531369118?v=2.9.360&r=stable&domain=www.bankrate.com&hme=eec000113e1e9f56e9fc6cdeb39d59ad805f76a48c77cf3d5c028dcf3b38ee7c&ex_m=108%2C209%2C159%2C22%2C73%2C74%2C150%2C69%2C68%2C11%2C168%2C93%2C16%2C142%2C131%2C39%2C76%2C81%2C138%2C164%2C170%2C26%2C27%2C28%2C30%2C48%2C151%2C78%2C116%2C18%2C20%2C44%2C40%2C42%2C41%2C86%2C95%2C99%2C114%2C149%2C152%2C46%2C115%2C24%2C21%2C123%2C70%2C36%2C154%2C153%2C155%2C146%2C144%2C25%2C35%2C59%2C113%2C166%2C71%2C17%2C157%2C118%2C84%2C67%2C19%2C88%2C89%2C120%2C87%2C140%2C139%2C143%2C100%2C165%2C34%2C49%2C117%2C47%2C8%2C4%2C5%2C7%2C6%2C3%2C94%2C105%2C171%2C176%2C223%2C75%2C236%2C235%2C234%2C23%2C33%2C55%2C107%2C61%2C10%2C64%2C101%2C102%2C103%2C109%2C134%2C31%2C29%2C136%2C137%2C133%2C132%2C160%2C77%2C163%2C161%2C162%2C50%2C60%2C127%2C15%2C167%2C45%2C281%2C282%2C280%2C295%2C311%2C216%2C205%2C62%2C206%2C204%2C314%2C305%2C52%2C217%2C111%2C135%2C83%2C125%2C54%2C124%2C130%2C129%2C58%2C65%2C63%2C156%2C79%2C80%2C119%2C37%2C32%2C53%2C56%2C104%2C169%2C1%2C128%2C14%2C126%2C12%2C2%2C57%2C96%2C66%2C122%2C92%2C91%2C172%2C173%2C97%2C98%2C9%2C106%2C51%2C147%2C90%2C82%2C72%2C121%2C110%2C43%2C148%2C0%2C85%2C141%2C145%2C158%2C38%2C112%2C13%2C174%2C197%2C191%2C195%2C196%2C194%2C189%2C335%2C200%2C192%2C193%2C219%2C190%2C188%2C296%2C203%2C202%2C201%2C240%2C210%2C186%2C187%2C185%2C334%2C326%2C327%2C318%2C323%2C320%2C322%2C321%2C319%2C328%2C330%2C325%2C331%2C324%2C329%2C317%2C198 | Script | 200 | 118 KiB |
| https://analytics.tiktok.com/i18n/pixel/static/main.MTA2MWE1OWMwMQ.js | Script | 200 | 114 KiB |
| https://connect.facebook.net/en_US/fbevents.js | Script | 200 | 103 KiB |
| https://www.bankrate.com/v8.17.1/next/build/assets/ripple-B49aDgBR.js | Script | 200 | 83 KiB |
| https://www.bankrate.com/nextapps/brand-identity-pages-app/v1.80.0/_next/static/chunks/390w53s17a068.js | Script | 200 | 69 KiB |
| https://www.bankrate.com/nextapps/brand-identity-pages-app/v1.80.0/_next/static/media/section-bottom.11hufw7niyo_w.svg | Image | 200 | 58 KiB |
| https://www.bankrate.com/nextapps/brand-identity-pages-app/v1.80.0/_next/static/media/section-top.02pjz6uww_703.svg | Image | 200 | 56 KiB |
| https://ob.ofgreencolumn.com/i/7df672d92b7d11494afd621358f32494.js | Script | 200 | 52 KiB |
| https://www.bankrate.com/v8.17.1/next/build/assets/fountain-utilities-Dh5k69tA.css | Stylesheet | 200 | 43 KiB |
| https://analytics.tiktok.com/i18n/pixel/static/identify_b8133453.js | Script | 200 | 40 KiB |
| https://connect.facebook.net/signals/config/1805085980359671?v=2.9.360&r=stable&domain=www.bankrate.com&hme=eec000113e1e9f56e9fc6cdeb39d59ad805f76a48c77cf3d5c028dcf3b38ee7c&ex_m=108%2C209%2C159%2C22%2C73%2C74%2C150%2C69%2C68%2C11%2C168%2C93%2C16%2C142%2C131%2C39%2C76%2C81%2C138%2C164%2C170%2C26%2C27%2C28%2C30%2C48%2C151%2C78%2C116%2C18%2C20%2C44%2C40%2C42%2C41%2C86%2C95%2C99%2C114%2C149%2C152%2C46%2C115%2C24%2C21%2C123%2C70%2C36%2C154%2C153%2C155%2C146%2C144%2C25%2C35%2C59%2C113%2C166%2C71%2C17%2C157%2C118%2C84%2C67%2C19%2C88%2C89%2C120%2C87%2C140%2C139%2C143%2C100%2C165%2C34%2C49%2C117%2C47%2C8%2C4%2C5%2C7%2C6%2C3%2C94%2C105%2C171%2C176%2C223%2C75%2C236%2C235%2C234%2C23%2C33%2C55%2C107%2C61%2C10%2C64%2C101%2C102%2C103%2C109%2C134%2C31%2C29%2C136%2C137%2C133%2C132%2C160%2C77%2C163%2C161%2C162%2C50%2C60%2C127%2C15%2C167%2C45%2C281%2C282%2C280%2C295%2C311%2C216%2C205%2C62%2C206%2C204%2C314%2C305%2C52%2C217%2C111%2C135%2C83%2C125%2C54%2C124%2C130%2C129%2C58%2C65%2C63%2C156%2C79%2C80%2C119%2C37%2C32%2C53%2C56%2C104%2C169%2C1%2C128%2C14%2C126%2C12%2C2%2C57%2C96%2C66%2C122%2C92%2C91%2C172%2C173%2C97%2C98%2C9%2C106%2C51%2C147%2C90%2C82%2C72%2C121%2C110%2C43%2C148%2C0%2C85%2C141%2C145%2C158%2C38%2C112%2C13%2C174 | Script | 200 | 38 KiB |
| https://www.bankrate.com/nextapps/brand-identity-pages-app/v1.80.0/_next/static/chunks/2eylxoo7awi5c.js | Script | 200 | 37 KiB |
| https://www.bankrate.com/cohesion/cohesion-latest.min.js?cDomain=.bankrate.com | Script | 200 | 36 KiB |
| https://www.bankrate.com/nextapps/brand-identity-pages-app/v1.80.0/_next/static/media/who-we-are.0lgyyf38jcple.svg | Image | 200 | 35 KiB |
| https://js-agent.newrelic.com/nr-spa-1.318.0.min.js | Script | 200 | 32 KiB |
| https://www.bankrate.com/static/fonts/RecifeText-VF.woff2 | Font | 200 | 30 KiB |
| https://www.bankrate.com/nextapps/brand-identity-pages-app/v1.80.0/_next/static/media/f06bf9da926bae75-s.p.2874ccu1_u7jf.woff2 | Font | 200 | 29 KiB |
| https://www.bankrate.com/nextapps/brand-identity-pages-app/v1.80.0/_next/static/chunks/3s-hragasz1_v.css | Stylesheet | 200 | 29 KiB |
| https://cdn.taboola.com/libtrc/unip/1909101/tfa.js | Script | 200 | 27 KiB |
| https://cdn.cookielaw.org/consent/09034832-9ea3-4f44-82ce-803550818ae2/019cb054-6c62-7dbe-81ee-b9b1a2215153/en.json | Fetch | 200 | 26 KiB |
| https://www.bankrate.com/nextapps/brand-identity-pages-app/v1.80.0/_next/static/chunks/2qj47vio9tfw8.js | Script | 200 | 21 KiB |
| https://www.google-analytics.com/analytics.js | Script | 200 | 21 KiB |
| https://snap.licdn.com/li.lms-analytics/insight.min.js | Script | 200 | 20 KiB |
Long tasks (>50 ms)
| Start | Duration |
|---|---|
| 3205 ms | 159 ms |
| 3632 ms | 143 ms |
| 3476 ms | 126 ms |
| 378 ms | 99 ms |
| 697 ms | 98 ms |
| 1648 ms | 90 ms |
| 284 ms | 86 ms |
| 2016 ms | 86 ms |
| 1398 ms | 81 ms |
| 596 ms | 79 ms |