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One year and two days after my last APR reduction on my Travel Rewards card, I called BofA to request another. I was hoping for a point or two. They brought it down by four points, from 17.99% to 13.99.
13.99 is currently the lowest published rate on this card. I thought their lowest was 16.99 a few months ago, but I can't find any indication of when they lowered it.
I had requested an APR reduction about a month ago, but they told me I wasn't eligible then. So it seems like once per year is the limit.
Congrats on your on BoA Travel Rewards APR reduction . . . I really need to do the same on a few of my cards!!!
Looks like you found the bottom. I'm at 14.99. Of course you never should carry a balance and therefore never benefit from the lower rate.
Im at 12.24. But to be fair--I think they offered to morph me to Travel rewards from something else I was ready to cancel (maybe Virgin Atlantic a while ago - I can't remember) and I think my APR came over too.