Our AI Stance

How Bankrate uses artificial intelligence

We’ve been using AI, learning from it, and thinking carefully about where it helps us better serve our original mission — and where it doesn’t.

Last updated: June 2026

Bankrate was founded on a simple premise: ordinary people deserve access to the same financial information that institutions have. For more than four decades, that mission has meant publishing helpful advice, accurate data, independent reporting, and honest reviews. Above all else, our work must always put people first.

Artificial intelligence is reshaping how information is found, created, and delivered. We’ve been using it, learning from it, and thinking carefully about where it helps us better serve that original mission.

We know people have mixed feelings about AI. Research consistently shows that even as people find AI tools useful, a significant share feel uncertain or uneasy about them. These feelings are heightened when the subject is as consequential as their financial wellbeing.

This page explains our approach: what we do, what we don’t do, and why.

Our Principles

Our 5 principles

These principles apply across Bankrate, regardless of where or how AI is used.

1
AI must serve people’s financial interests.
Our business model is built to align our incentives with the people we serve. AI use should support that, not undermine it.
2
Human accountability is non-negotiable.
Behind everything we publish, every product decision we make, and every line of code we ship, there is a person who stands behind it – human oversight.
3
AI should make us more helpful, not just more efficient.
We use AI when it genuinely helps us serve our users better, such as by surfacing better information faster, identifying gaps in our coverage, or building tools that give users more useful experiences.
4
Transparency is a commitment, not a compliance checkbox.
This policy in-and-of itself aims to shed light on our utilization of AI, and welcome your questions or feedback.
5
This is a living policy, backed by real governance.
AI is changing quickly. Our approach will evolve as the technology, the regulatory environment, and our own understanding develop. We will update this page/statement as our approach evolves.

Editorial

AI in our editorial coverage

Our editorial team creates journalism, guides, reviews, and data reporting our readers rely on. AI supports that work by helping writers identify trends in data, organizing interview notes, and assisting with research, drafting, and editing. It doesn’t replace it.

Every article, guide, and review on Bankrate has a member of our editorial team behind it — someone accountable for its accuracy, fairness, and quality. We don’t publish content written and edited exclusively by AI, and AI tools have no influence over our editorial – what we cover, how we rank or review financial products, or what we recommend.

Product

AI in our products

We are building AI features designed to enhance how users find and understand financial information. Examples include things like conversational rate lookup, natural-language site search, and financial scenario modeling that helps people compare their options.

Because hallucination and accuracy risks are real, any AI feature that touches financial data or surfaces information to users includes verification layers. We don’t surface AI-generated financial outputs without review and quality controls in place.

Operations

AI across our business

Beyond editorial and our consumer-facing products, AI plays a broad role across Bankrate’s engineering and product development, data and analytics, design and UX, marketing, finance, and more.

Across these teams, AI tools help us build faster, analyze more effectively, and make everyday work easier. The same core standards apply everywhere: human accountability, responsible data handling.

Privacy

Data privacy and security

Where AI tools are used in our products, they operate within our existing privacy policy.

We consider data security and compliance before adopting AI tools. We deliberately avoid over-reliance on any single AI vendor, maintaining flexibility across providers to reduce concentration risk and preserve our ability to choose the tools that best serve our users.

Get in touch

Questions or feedback?

We’re committed to getting this right, and we’re still learning. If you have questions about how we use AI, we’d like to hear from you.