The content is accurate at the time of publication and is subject to change.

This content is not provided by Citi. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the Citi.

The Victoria's Secret credit card is a basic store-branded card, which can only be used at all Victoria's Secret and PINK stores and at You won't be able to use this card anywhere else.

If you want a more versatile card with high rewards rate (at Victoria's Secret locations as well), you should apply for a general credit card. For example, the Discover it® Cash Back card gets you up to 5% cash back in rotating quarterly bonus categories on up to $1,500 of quarterly spending when you activate, and 1% back on other purchases. Plus, Discover will automatically match all the cash back you've earned at the end of your first year if you are a new cardholder.

To earn 2% back on eligible purchases all the time, you might want to consider the Citi Double Cash® Card (Citi is a advertising partner). This no-annual-fee credit card offers one of the best flat-rate cash back programs, and 18 months of intro 0% interest on balance transfers (when the introductory interest rate is over, the ongoing APR of 19.24% - 29.24% (Variable) will apply), which can help you pay off your current debt.