Congrats on being able to pay off your CC balance monthly !
I could be misunderstanding but if you're paying off your CC balance monthly to avoid any interest charges, then the % APR shouldn't matter, unless you ever need the card for a much larger emergency purchase that couldn't be paid off by the end of the month.
We use credit cards for grocery and other shopping as well as buying gas but completely pay off the cards before payment is due each month so no interest is charged, but we actually make some money using the cards because of the reward points we earn !
Two of our vehicles have been paid off for a good while, still paying on our 2020 car but we round up the amount we pay each month to more than the minimum due and have even made a double payment which we plan to do occasionally to get it paid off a good bit sooner then normal. (we made sure there was no penalty for paying off the loan early) Also, when we bought the car we managed to negotiate a 0% interest rate on the car loan, so we still don't pay any interest no matter what, but still want to pay it off sooner.