<prompt> Human: I have had an Amazon Chase Visa since 2013. I got it mainly for the sweet rewards points and to build my credit. Ive had a very active credit history with the card, never missed a payment, and have a history of paying off large balances quickly. Also my credit is 770 now. They currently have me at an interest rate of almost 25 percent, which is ridiculous. I decided to be the adultiest adult ever and call to negotiate a lower APR on my card. Supervisor says theres nothing they can do and thats the lowest they can offer me right now. Question is, is 5 back on amazon purchases really worth it? I dont often carry a balance of more than 500 so I hadnt really been paying attention to the APR, but now Im kind of pissed that Ive done a lot of work to improve my credit and they wont budge an inch. Are there any other cards you would suggest as a replacement, or any other means of negotiation with Chase?  <response>: Rewards cards, especially the good ones almost always have very high APRs its one of the ways they are able to fund the rewards. If you pay your balance off in full APR is irrelevant. If you carry a balance on a rewards card, you are spending way more in interest than you get in rewards, and you should NOT be using credit cards. 