1. Security Service FCU Power Travel Rewards because it covers my two biggest spend categories (travel & dining) at 3.3% with no AF or fees of any kind and APR of 11%.
2. Sallie Mae because it covers my next 3 biggest categories (Amazon, gas, groceries) at 5%. Amazon card fits into this bucket as well because it allows me to go over $750 if I want.
Any spend that doesn't fall into those categories for me is pretty negligible and goes towards initial spend for sign-on bonuses.
I guess the SSFCU is my favorite because its awesome and it's kind of difficult to get so not many people have it. I would hate for the SM to go away though.
@Anonymous wrote:So, you are a new fav member on my list. I love that you focus so much on rates rather than limits! That is pretty nifty. You may as well deposit a few hundred bucks at BOA and improve your travel rewards rate.
How long did it take you to get the citi that low? I thought the lowest was 12.99? I have seen BOA go as low as 7.24%. Why did you go for the BOA TR, just curious? If you already had a card with better reward rates and nearly identical APR?
Thank you for the kind words and for your very nice compliments! 
In response to your questions: I originally received the Citi TYP WMC in 2008, which may have potentially different time for APRs generally speaking for lenders (i.e., pre-CARD Act), and so I have held onto it since then? The APRs of the new/current cards don't interest me as much tbh, b/c it can be harder to get single-digit rates, unfortunately. As far as the BoA TR card, it was a successful PC from a BoA Platinum Plus VISA (also received in 2008), but BoA doesn't seem to want to lower it much lower than that; I know b/c I tried lol, but no dice. At one point in time in the past, I actually had a BoA/FIA/MBNA card product with 7.90% F APR, but sadly, when I refinanced my mortgage some years ago, they kinda made me close out quite a few cards, and I ended up closing that card as a result (which now I really regret). I chose the BoA TR as a way of diversifying my card collection, since I already had a BoA Cash Rewards card in possession.
@longtimelurker wrote:So your no hassle miles card is like a no-AF Venture? That's useful!
Correct -- and thanks! Yes the No Hassle Miles card was one of the preceding cards that was available shortly before the Venture was released. In fact if I am hopefully remembering right, I received the pre-approved application for it, right around the time when the Venture was first being rolled out. It originally had an AF (later perma-waived by the Cap1 EO).
@galahad15 wrote:
@Anonymous wrote:So, you are a new fav member on my list. I love that you focus so much on rates rather than limits! That is pretty nifty. You may as well deposit a few hundred bucks at BOA and improve your travel rewards rate.
How long did it take you to get the citi that low? I thought the lowest was 12.99? I have seen BOA go as low as 7.24%. Why did you go for the BOA TR, just curious? If you already had a card with better reward rates and nearly identical APR?
Thank you for the kind words and for your very nice compliments!
+1
I agree with jfriend33; I'm actually more impressed with low APRs than huge credit lines, since while I don't realistically have a need for a huge credit line it's always nice to have a low APR to fall back on.
I don't say too much about my own rates on here, though, as they aren't that impressive (I'm keeping an old QS1 account open due to a 14.9% rate, if that tells you anything).
Hopefully as time goes on that will change, though! 