How To Get A Lower Interest Rate APR On Your Current Card

How can I get a lower interest rate APR on my current card?

The easiest way to get a lower rate on your credit card is to call your credit card issuer and ask for one. Especially if you're a customer in good standing i.e. you pay your bills on time every month, you dont borrow too much on the credit card. They are really going to want to keep your business. It's a very competitive industry out there and if you say, "look I'm a good customer of yours", especially if you've gotten something in the mail from another credit card issuer that wants your business, you can say to them, "so-and-so is going to give me x percent on my credit card - what can you do for me?" Again, if they really want to keep you as a customer, they will lower your rate.