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American Express APR Reduction

Regular Contributor

American Express APR Reduction

I just finished chatting with AMEX online, and  I was pleasantly surprised that they lowered my APR on my BCP from 21.99% to 17.24%. My cash advance APR did not change however, from 25.24%. I've had the card for a year and five months.


How often is AMEX usually willing to give an APR reduction? Are they willing to lower the APR on multiple cards at the same time? I have an ED 21.99% that is a year and two months old, and a Delta 19.24% that's a month old. I definitely don't want to spook them in any way by asking for multiple APR reductions or asking too frequently.

Capital One QuickSilver - $13,000 | Chase Freedom - $19,000 | Barclays Ring - $8,450
Citi Double Cash - $8,800 | PNC CashBuilder - $2,000 | Discover IT - $8,100
AMEX EveryDay - $5,000 | Kohl's - $3,000
Amazon Store Card - $10,000 | Lowe’s - $35,000 | Walmart MasterCard - $7,500
Total Credit Limits: $125k
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Valued Contributor

Re: American Express APR Reduction

I don't know the answer to any of your questions because I'm still fairly new to Amex, but congratulations on the APR reduction!

Message 2 of 3
Regular Contributor

Re: American Express APR Reduction

OP this is already being discussed here:


Yes, you can request a reduction on multiple cards at the same time. I just did it earlier today.

Starting Score: EQ 675 | TU 688 | EX 702
Current Score: EQ 795 | TU 788 | EX 770
Goal Score: 750 (Across All 3)

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