“They got my rate down and the annual fee waived on the same call. Same card, same points.”
Rosa B.
San Antonio, TX
Your Credit Card Costs More Than It Has To. We Fix That.
We ask your issuer for the rate cuts, fee waivers, and retention offers they don't advertise.
No upfront fees • Secure
How this one works
A quick verification call may be needed- Step 01
Tell us about the card.
Issuer, rate, and fees — no card number needed at this step.
- Step 02
We make the case.
Rate-reduction and retention requests with your issuer, using your payment history and current market offers as leverage.
- Step 03
You keep the card.
Same card, same rewards, same history — lower cost.
What we look for
Expert audit points
APR reduction requests
Retention offers & rate matches
Annual fee waivers
Late fee reversals
Hardship & assistance programs
Promotional rate eligibility
Pricing for credit card APR
A flat success-based fee that we show you before we start. If the math says a balance transfer would beat negotiation, we'll tell you that instead; any partner offers we ever show are always clearly labeled.
You pay $0 unless we save you at least $200.
Credit Card APR questions
You've got questions. We've got answers.
Will this affect my credit score?
Asking your issuer for a lower rate is a routine account request. Policies vary by issuer, so if anything in your case could involve a credit check, we flag it for your approval before proceeding — you stay in control.
Do I keep my card and rewards?
Yes. We negotiate the cost of the account you already have — your card, rewards, and credit history stay exactly where they are.
What if the issuer says no?
Then you pay nothing. We'll tell you what we tried, what the issuer said, and what your options are — including whether it's worth trying again after a few more months of payment history.
Reviews
Lower bills, happier wallets.
“Issuer said yes to a retention offer I didn't know existed. I'd never have asked.”
Kevin T.
St. Louis, MO
“Two late fees reversed and a lower rate going forward. Took me five minutes to hand off.”
Lena M.
Portland, OR
Savings vary by case and are not guaranteed
Twenty-four percent is a starting offer, not a rule.
Issuers reduce rates and waive fees every day — for the people who ask. We ask for you.
Lower My APRNo upfront fees • Secure
MoneyFinder negotiates pricing on your existing account. We do not repair credit, dispute credit reports, or provide credit advice.