I think my Navy plat actually is my lowest , i believe 16.99% even though its tied for my lowest cl with Penfed Promise who i think ranks third behind my Discover.
Besides just bettering your credit profile with good payment history and thickening of profile, with certain cards you can request them every couple months i think. Got my first ever with Boa recently, Citi said thanks for your interest, pun intended lol, but you're not worthy right now
Besides just bettering your credit profile with good payment history and thickening of profile, with certain cards you can request them every couple months i think. Got my first ever with Boa recently, Citi said thanks for your interest, pun intended lol, but you're not worthy right now
Lowest APR:
USAA Student Card (10.40%)
Age: 16 months
This card was designed for students and had a locked-in rate of Prime+6.65%, which was likely why it was discontinued. Probably not the most profitable concept to give people new to credit such a low APR to entice them to carry a balance 
I would say that my true lowest APR was from Discover, which is 15.24%. This account is 6 months old.
My lowest APR card of the ones that are currently available in my collection is my BEFCU VISA, at 5.49% F. I have several other low-APR cards that I am also quite fond of IIRC, I was approved for the BEFCU card just a few months ago.
ETA: OP please feel free to PM me, if you have any questions about how to obtain the BEFCU card or other similar-range cards with low APRs, like the Unify FCU card as low as 5.49%/5.74% V, or the PACU card, as low as 7.50% F.
Chase Sapphire Reserve 8.99 %
@trant3 wrote:Chase Sapphire Reserve 8.99 %
Mind sharing how that is possible? Was this a PC from another very old Chase card? As lowest APR for the CSR is 16.x and Chase doesn't give or known for APR reductions so guessing it was a PC of a very old card?
Amex ED is my lowest at 8.x APR (variable) followed by Penfed Platinum then several in the 13-16 range being Fidelity, HHonors, Costco, etc..
@CreditCuriousity wrote:
@trant3 wrote:Chase Sapphire Reserve 8.99 %
Mind sharing how that is possible? Was this a PC from another very old Chase card? As lowest APR for the CSR is 16.x and Chase doesn't give or known for APR reductions so guessing it was a PC of a very old card?
Amex ED is my lowest at 8.x APR (variable) followed by Penfed Platinum then several in the 13-16 range being Fidelity, HHonors, Costco, etc..
How did you get a APR so low with amex for your ED card??? (I have a ED to)
@Isacking97 wrote:
@CreditCuriousity wrote:
@trant3 wrote:Chase Sapphire Reserve 8.99 %
Mind sharing how that is possible? Was this a PC from another very old Chase card? As lowest APR for the CSR is 16.x and Chase doesn't give or known for APR reductions so guessing it was a PC of a very old card?
Amex ED is my lowest at 8.x APR (variable) followed by Penfed Platinum then several in the 13-16 range being Fidelity, HHonors, Costco, etc..
How did you get a APR so low with amex for your ED card??? (I have a ED to)
Account is several years old and just ask by chatting every few months and got it down there from 19.x or whatever it started at after the intro 0% apr was over .