I do not know what my APR is becaue I pay it off every month. Crazy, I know.

How the heck can you let the balance roll and get hammered like that ??? It is like throwing money away.

I have one card that gets miles and I pay it off every month so, the APR doesn't even matter. And if you get caught in a bad spell, you can call them and tell them you are going elswhere unless they lower the rate.