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

You're right, J.Crew credit card has a high regular APR. In addition, you can use this card only at J.Crew store. If you don't want to apply for their card, you can apply for a regular rewards card that offers a 0% intro APR on purchases and cash back. A good example is the Discover it® Cash Back credit card that allows you to earn up to 5% cash back on rotating category purchases, up to the quarterly maximum when you activate, and an unlimited 1% cash back on all other purchases. Discover will also match all the cash back you've earned at the end of your first year, automatically (if you are a new cardmember).

tags : Cash Back Rewards Program

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All rates and fees, and other terms and conditions of the products mentioned in this article/post are accurate as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.