What APR rate is way too high for you to consider taking out the card, no matter how good the rewards program is?

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Don’t carry a balance and it won’t matter.

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Anyone who even knows/cares about their APR doesn't deserve a credit card. I have no clue what any of my dozen cards are. Auto-pay in full every month and enjoy the free travel.

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Exactly

If your APR impacts you, you shouldn’t be using a credit card

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Credit cards offer perks to lure people in, there's absolutely no credit card that gives more than what they EXPECT to get from you. What they actually get from you is up to you.

I suscribe every of the previous comments, I don't even know what's the APR on my credit cards, and if you are seeking a lower APR, then you either have a secret investment that returns 27% guaranteed, or you should not be looking at points. Address your financial situation first, then your relationship to debt, and then look into points.

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APR rate shouldn’t matter. Pay in full on time. I couldn’t tell you what the rate is on any of my cards

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Pay it in full at the EOM and no issues. You can have an APR of 1000% and it doesn’t matter

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I haven't paid attention to APR for years.

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