// APR Intelligence
APR Intelligence
Most issuers will lower your APR if you ask. We tell you when, what to say, and what they offered last quarter.
Live APR tracker
Track your effective rate across cards. See market benchmarks.
Negotiation scripts
Word-for-word scripts proven to lower APRs by 2–6 points.
Re-evaluation alerts
We remind you to re-negotiate after rate hikes or score improvements.