APR
Can you reduce the APR for the Apple Card?
APR is variable, based on the prime rate. There is also a variable rate associated with your accounts when you applied, that is based on your risk and other factors.
The only way I’m aware of lowering the rate is for active military personnel. Are you active military?
The other way that may possibly lower your APR is to close your current and then in 30 days reapply for a new account.
Closing your account and reapplying has several issues and no guarantees. This only works if your credit profile and report have significantly improved from when you first applied. Reapplying has no guarantee of approval and you certainly may be declined for a new account.
