The “Rate Bowl” is a college football postseason bowl game played in Phoenix, Arizona, featuring teams from the Big Ten and Big 12 conferences and sponsored by the mortgage company Rate (formerly Guaranteed Rate). In recent seasons it has been held at Chase Field and broadcast nationally on ESPN as part of the FBS bowl schedule.

What is the Rate Bowl?

  • The Rate Bowl is an annual NCAA FBS bowl game, currently the only postseason matchup that regularly pairs a Big Ten team against a Big 12 team.
  • The game has existed for decades under different sponsor names and is now branded around Rate, a major U.S. retail mortgage lender.

Recent editions and timing

  • The 2025 Rate Bowl was played on December 26, 2025, at Chase Field in downtown Phoenix, Arizona, as part of the 2025–26 college football bowl season.
  • The game typically kicks off in the afternoon local time and is televised nationally by ESPN’s TV and digital platforms.

Conferences and history

  • Over its history, the bowl has hosted teams from several conferences (Big 12, Big Ten, Pac-12, and others), but its current tie‑ins are centered on Big Ten vs. Big 12.
  • Across 36 games through 2025, Big 12 and Big Ten teams have combined for the majority of appearances, with the Big 12 owning one of the strongest win percentages in this bowl.

Notable records

  • High‑scoring games are common: for example, Colorado once scored 62 points in a single Rate Bowl, and a California–Virginia Tech matchup produced a combined 101 points.
  • Individual records include over 500 passing yards in a game and multiple receiving and defensive marks, reflecting the bowl’s reputation for offensive fireworks.

Meta description

The Rate Bowl is a Phoenix‑based college football postseason game matching Big Ten and Big 12 teams, sponsored by mortgage lender Rate, known for high‑scoring contests and national ESPN coverage.

Information gathered from public forums or data available on the internet and portrayed here.