Upon looking at the second statement on my BOA Travel Rewards card, the 22.90% APR really annoyed me. So I called the number on the back of the card and spoke with an account manager about an APR reduction. She was able to reduce the APR down to 11.90% . She also reminded me to call back a couple months later to check for rate reduction.

Just wanted to share my exp. You may want to call in and ask if you have sky high rate with them